Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone has Capital one bank account in my name the checking account that's not mine. Also I believe someone has stolen my inherentance money and houses
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a CAPITOL ONE credit card. I was issued a denial on XX/XX/2023. CAPITOL ONE stated they denied me based off of non-consented information on my consumer credit report. On XX/XX/2023 CAPITOL ONE was in receipt of MY notice not to deny me MY RIGHT to credit. I also informed CAPITOL ONEs CFO that my application was a transferable security and any use of my personal non public information such as my Social Security Number attached to my application, is unauthorized use if CAPITOL ONE denied me my rights. The CFO was also put on Notice that I may make application for such amounts of credit thus applied for and in exchange, CAPITOL ONE would be compensated by the Federal Reserve dollar for dollar in return for my collateral security via certified mail : XXXX On XX/XX/2023 CAPITOL ONE notified me by Mail that CAPITOL ONE will remain willfully noncompliant to my request & decided to continue in denying me my right to credit. This action tells me that CAPITOL ONE does not abide by The Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of protected categories. This means that creditors can not refuse to give me credit, discourage you from applying for credit, or give me less favorable terms on a credit account because I exercised any of my credit rights. I am to be given an equal access to credit, regardless of my protected characteristics, because I applied in good faith and to better my personal, family, & households situations.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Im not sure if I submitted under the right category, but I am dealing with capital one auto finance, that unfortunately my car had became repossessed I had been going under extreme hardship. I had been going to court for legal matters due to my landlord at the time of the repo. I did not have a stapled home for me or my children I had called capital one immediately. When I noticed my car was Repo I had spoke to them and informed them that I will be reinstating my vehicle, they gave me two extensions car got picked up on XX/XX/XXXX and I got it reinstated by XX/XX/XXXX of XXXX. They had reassured me that my personal belongings which were going to be in my vehicle. Now when I arrived to XXXX XXXX XXXX Department in XXXX Ca. On XXXX XXXX at XXXXXXXX XXXX I had to wait about 1 1/2 hr to get informed that my key wasn't registering to my vehicle so I had informed XXXX at the front window if its OK that I go to the store and Ill be back she said yes I then arrive roughly about 45 minutes later walk into the facility and XXXX informs me that they are barely going to look at my vehicle. I said OK Ill be in my car, I get a phone call that they are stating my car does not want to start that my key is not working and that they made a key to see if it was a key issue and their key was not working as well. I then got on the phone with my financial company Capital One, which they transfer me to a higher escalation, got a hold of a XXXX that told me he was going to put me on hold as he called the facility, they had informed him the same issue, and that they had made a key for the vehicle as well. They wanted me to tow the car to a dealership to find out what was wrong with it, and I strongly believe that I am not responsible for towing a vehicle to the dealership to find out what is wrong with my car that worked 100 % never once did any of my check engine light. Nothing major has happened to that car before getting it repo. My vehicle ran perfectly fine never had one issue with it until now. When I told XXXX from XXXX about someone making another key for the vehicle. She told me no one made another key to the vehicle. I told him how is that even possible why would you guys inform my financial company that you guys made a key not only that I was informed by this lady XXXX that they made another key. My understanding is that once I sign the paper stating that I am taking the vehicle, they will no longer have any responsibilities whatsoever for damages that have been done to the vehicle. I refused to take it off their lot after finding out my car did not start. I had asked if I can speak to the mechanic that looked at my car. I was told by XXXX that they do not know what mechanic looked at my vehicle not only that she offered to bring the vehicle to the front and that once its in the front it is my responsibility to remove it off their property as they did, they brought it to the front and I was beyond angry. Once I seen my vehicle vehicle has damages that on the outside of the car all of my personal belongings which is very valuable stuff had been gone. It looks like somebody literally broke into the car. I then proceeded with upsetting conversations, and informed them that I would like the condition report to my vehicle, they refuse to give it to me because I am not the customer. They do not deal with me. They deal with capital one capital one is the one that will have to request for this form, I found it very funny that I had a similar situation with a friend that had a vehicle in the same location and they were more than happy to present them with a condition report XXXX XXXX XXXX stated that thats the way my vehicle came in which is absolutely incorrect. I refused that he has false information the way everything went. I highly believe that they are hiding something mind you I left the car there because high security name. XXXX stated he will go ahead and take over this situation. He will investigate what is going on and he will take care of me. I left at XXXXXXXX XXXX and called the next day to XXXX and asked to get a copy of the condition report. Nobody wanted to provide it to me. I wanted to find out who called me at XXXXXXXX XXXX on XX/XX/XXXX when I was on my way to pick up my vehicle because the night before which was XX/XX/XXXX, I called to verify if my personal belongings were still in the vehicle I also brought this up on the conversation when the situation arises when I notice that all my personal belongings were gone they stated to me that they dont know who called me and why would anybody call me to inform me that my personal belongings were in there so instead of calling the XXXX location, I called the Riverside location and XXXX location was more than happy to verify who called me on XX/XX/XXXX to inform me about my personal belongings. Mind you person explain to me what they were able to see in the pictures how could somebody explain to me what was in my vehicle if my vehicle came damaged and looking ransacked inside, makes no sense, they confirmed it. Was someone name XXXX, which XXXX was the one I was dealing with at the front window funny how she did not mention anything to me when I was asking who called me the following day which is XX/XX/XXXX I called and I wanted to speak with somebody that is higher than anybody in the facility manager a supervisor and they transferred me to the head security which is XXXX. I then approached him and said I wanted to follow up on the investigation. He tells me that he informed me he will let me know on the week of XXXX XXXX XXXX that he is on vacation, I said oh so they three-way do you heat then inform me no they called me on my cell phone I said OK can you transfer me back to the facility? He then said no I am on my cell phone I did not believe it so I had someone else called in asking for him and they had asked if XXXX is in they said yes got the phone call transferred and was questioned about the XXXX XXXX XXXX. He said is this XXXX the person who was on the phone with XXXX said no this is XXXX which is the cosigner to the XXXX XXXXXXXX XXXX He then said I am formed XXXX I am on vacation and that I will let her know the outcome on the week of XXXX of XXXX I find it very weird that when an employee is on vacation theyre able to transfer these calls to a employee that is on vacation. Mind you I have these calls are recorded and also recordings and videos of the day I picked up the vehicle. They were well aware because I informed them that these calls are being recorded for quality purposes and also they seen us recording my vehicle, I felt that I had no other choice and did not get any help and I was in desperate need of that condition report so I made up an email I called in and stated I was from capital one auto finance. I gave them a ID number that was just a random ID number and I requested for the condition report. I was able to get it now I understand that that is something I should not do, but I felt that I had no other choice because I am not allowing this to happen. I am not allowing them to get away with this, especially with my car not starting and all my important things that were in that car let alone my children Social Security cards are gone. I know these are items that should not be in a vehicle but at the time unfortunately I have no other choice, now when I receive this condition name report, I am able to verify that my items were still in the vehicle. My car did not look ransacked as I did when they brought it to me. I dont understand how XXXX XXXX XXXX is stating that my vehicle came in like that because on their pictures, it clearly shows it was not like that, I need someone to please help me. I have been calling everywhere and I am not getting anywhere. I feel that this is a matter that someone has to take action because it has happened to many people from this location as Ive noticed on their reviews and I feel that it is not right for them to be getting away with this, XXXX, the main security did mention that he is a retired cop either. Thats a lie, or he got fired because he is a crook. I paid capital one over XXXX to get my car back and to deal with this is extremely disappointing. I need help!!! Id appreciate help in my situation. Theres more to this but Id like to explain once I get the opportunity to speak to somebody from CFPB.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX XX/XX/XXXX, I contacted Capital One in regard to an error message that I received when trying to open a checking account. I contacted the Company and spoke with a XXXX representative. She wanted to verify my identity. In doing so, she asked did I open a checking. I told her no. She continued to ask me that and I finally stated, " Ma'am, if you see a checking account in my name then it's fraud ''. " I only have a credit card with Capital one ''. She put me on hold for a long time then came back and said everything was " fixed '' try again in XXXX XXXX. I asked questions and she just said I can't give you any information. On XXXX XXXX, I tried to login, this time the last 4 of someone else 's SSN popped up. So, I called, this time a XXXX representative repeatedly told me I can't give you any information. I explained it's fraud and I wanted to know more about the account that showed my name, address, email and phone number. He also stated, no account was open in your name, that's all I can tell you. Well since then I haven't been able to login my account. Today I called and spoke with a male representative on the credit card side, due to not being able to login my account. He tried many avenues to assist me in gaining access to no avail. He spoke with the banking side, and they told him it was fraud, and someone had in fact opened an account in my name, but it was " fixed '' however, I still can't login my account. He submitted a request for more information as to why. He transferred me to a " Manager '', the XXXX representative got on the phone and immediately said, " there an attempt for someone to open an account ''. When I asked for the information, such as when did this happen, he then stated, " I can't give you that information ''. I said if it was an attempt then why wasn't I contacted and how is it that their SSN shows up and not mine. As well as I still can't login my account due to this fraudulent SSN. My SSN has a fraud alert on due to my identity being stolen in XXXX. I informed him that no one asked me to verify myself as the legal owner. He told me that I had to fax to them a statement requesting information about the account, as well as documents verifying that I am who I am. I informed him that once the fraud was discovered I should have been notified in writing from them and that did not happen. This is very bad business practice for any banking institution.
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital one credit card was opened in my name without my knowledge on XX/XX/2023.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have scheduled travel within the next 8 days and I wanted to open a credit card account with a promotional incentive on which to charge my travel expenses. I considered several cards and elected to choose Capital One. My foremost concern was the ability to receive the new card prior my travel upon approval of my application. In my due diligence... I decided to contact a Capital One Venture Rewards Credit Card Representative over the phone to confirm that I can get the card shipped to me on an expedited basis upon opening the new account. The representative told me that yes I could pay a {$16.00} fee to have the card expedited and shipped out within 3 days and I would have it in time. I said great and asked if he could take the application over the phone. He instructed me that I had to apply first online and get approved. I asked him how then would they know to expedite the card shipment and collect the fees? He said once the application is approved I can call back to this department at XXXX they would then look up the application and process the expedited delivery. PROBLEM : I completed the application, was approved and called back and after speaking with a representative and a supervisor I was told that they can not honor what I was told and that it would be 7-14 days before I got the card. This is a breach of their verbal agreement with me as the card is now useless for the purpose I intended. This application resulted in a Hard pull on my credit report a step I would have never taken with Capital One if I had known it would take 7-14 days to get the card. I would have simply searched for another creditor who could meet my objectives. Now I am still left with doing so and yet another hard pull on my credit. Capital One misrepresented their terms on credit card delivery to me, failed to deliver as promised and caused harm to my score and further caused me to unnecessarily open a new account with them. This is bait and switch. They should provide some restitution for this or deliver as promised. I last spoke with the supervisor ID # XXXX.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am trying to get copies of my Kohls billing statements for the past three months to see if they are correct as to purchases and returns. I was enrolled in paperless however, when I try to view statements on website I am not able to get to them. I called customer service number and did an online chat with customer service and they have not provided any assistance speaking to three people for over an hour. Further, I have two very large store credit gift cards from returning a purchase without a receipt ( which is allowed ) and they accepted the return giving me the lowest sale price. These are never supposed to expire and when I went to use it they were zeroed out. I called several times to resolve and the last time I spoke to someone at corporate I was told it was a loss to the store because some items I used kohls cash. So essentially, I paid for the returned items and did not get my money back. I asked to get copies or review statements to prove I made purchases earning the Kohls cash and regardless whether it was a store credit that I received when returning they gave me the lowest sale price and then essentially gave me nothing and kept the items I had returned.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account XX/XX/XXXX. I opened it online. I did XXXXwo mobile check deposits, totaling just over {$3100.00}. A few days later, i was emailed a security notice saying there was unusual activity on my account. I called Capitol One and was told the checks were made out incorrectly and that I had to have them cancelled and reissued. I thought this was a hassle, so I asked what else I could do. They said I could end the banking relationship and deposit the checks at another institution, as Capitol One had not submitted them for deposit. I said yes, I will do that. So, the account was closed. I asked my aunt, who issued the checks to me, to check to see if they had in fact, not been cashed. She called her bank and low and behold, Capitol One cashed the checks! In fact, the funds cleared prior to my call to Capital One. Its now nearly a month later and Capitol One will not return my calls, will not talk to me when I call them, and will only tell me that this account is under investigation and they have no idea IF or WHEN they will give me my money. I also know that Capitol One called my aunts bank on XX/XX/XXXX and that the branch did verify the validity of the checks. I have called them many times. They will not return my call, and they have hung up on me when I have called. I feel robbed. I have worked in Finance for 28 years. I have never heard of something like this happening. Its shocking and deplorable.
Company Response:
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Attempted to call all credit bureaus to delete fraudulent info from credit reports. I was advise to report here to submit proof as a supporting document.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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: XXXXXXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ONE ACCOUNT- XX/XX/XXXX - XX/XX/XXXX -- -- - ACCOUNT TWO -- XX/XX/XXXX -- XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General
Company Response:
State: TX
Zip: 76011
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A