Date Received: 2023-07-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: With the help of my sister I managed to get a Capital One Quick Silver credit card to be used on my travel to XXXX XXXX XXXXXXXX XXXX to attend to business matters that had been pending since Covid in 2020. On arrival in XXXX I tried to get some foreign currency at an ATM and was denied. I later learned from my sister who is more familiar with banking policies that I probably should not have tried to get any foreign currency. After I took a taxi to my hotel in XXXX I could not use my card even for a regular transaction nor could I use it anywhere else. Repeated calls to Capital resulted in denial since they required proof of who I was that required me to photograph not only my Drivers license and my U. S. Passport, but my actual social security card which I, and for that matter, anyone else I know would ever consider taking on a trip unless informed and even then I would have reservations since it is so integral to security of my identity as a U. S. citizen. It has meant that my sister has had to put money in my bank account since my own finances have been pretty meager due to Covid. I explained all this to various employees and supervisor who all stonewalled when I explained the impossibility of producing my social security card but having no reservations for submitting other types of documents to their scrutiny. They claimed that that was their policy and there were no exceptions under any circumstances even when I explained and my sister confirmed from NY that not to do so would mean I could not use their card and would require a lot of effort on the part of my sister to help me out under the circumstances.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A dispute was closed as part of a recent CFPB complaint with monetary relief resulting in a credit balance on the account on XXXX XX/XX/2023. I called to request a credit balance refund on XXXX XX/XX/2023 as I'd paid the disputed amount pending the outcome to protect my credit. Upon requesting a refund, I was told that the case was still pending and I could not be refunded until it was closed. I asked to speak to a supervisor which I did not get. I got another associate who processed the request. I still had not received a credit balance refund, so I contacted credit card department again XXXX XX/XX/2023 and XXXX indicated that it was denied because of open disputes on the account. I asked for the case number and she replied that she could not find one. Associates continue to suggest I swipe the card to use the balance which I don't have to do and there are few purchases I would like to make without consumer protections which Capital One clearly does not provide.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Capital One is using my name to report information to XXXX, XXXX, and XXXX and they do not have my permission to do so. I have a XXXX XXXX, financing statement, and XXXX XXXX filed against my commercial property that Capital One is violating. It is also on public record since XX/XX/2006 that I own all rights to my commercial property not limited to name but also social security numbers, birth certificates, and any state licenses I may hold.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/ 2023 I went into XXXX XXXX in XXXX to purchase a car. My credit score with both XXXX and XXXX is XXXX - XXXX. I was told by car salesman, XXXX that my score was XXXX. I believed that a XXXX invoice may have contributed to the XXXX score. As a result, the finance charge was HUGE. When came home, I realized they had used an outdated credit score from XXXX which offered the XXXX score. The next day after reviewing my XXXX and XXXX scores, I requested they re-do the finance part with the updated credit scores XXXX or XXXX but they refused. It is my contention XXXX XXXX obtained finance through fraud. They have means to manipulate credit scores through a company called XXXX in their office. I am a XXXX and I believe I have been taken advantage of. An {$8000.00} car became an {$18000.00} debt. This outlandish. They secured financing through Capital One based on outdated information.
Company Response:
State: NV
Zip: 89512
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was sent a bill from Capital One Quick Silver a few months back. I was told they would do an investigation. The amount back then was over XXXX XXXX dollars. I never ordered a card in my name. I believe I am the victim of identity theft due to certain information about my college, date of birth, and work activity and my face was on XXXX.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by Capital One on XX/XX/2023 for a credit card application that I did not submit. I contacted Capital one and reported this fraudulent application. Capital one cancelled the fraudulent application and will contact XXXX XXXX and XXXX to remove the hard inquiry. Capital One advised me to follow up with a complaint to the credit bureau. Capital One also asked me to allow XXXX business days for this complaint to be complete. And XXXX days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.
Company Response:
State: NH
Zip: 03038
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The phone number XXXX called me and gave me an application number and asked me to call them back. When I called and provided the application number they started asking for more personal information so I said no and hung up. Then I called the XXXX number for Capital one and asked if I had an application in process and they said no.
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/2023, XXXX XXXX, XXXX sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. Capital One late pay, XXXX XXXX XXXX account that says its in collections. Thank you
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A