Date Received: 2023-06-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I was charged by XXXX {$240.00} for a hotel reservation for XX/XX/XXXX. On XX/XX/XXXX, I was charged by the XXXX XXXX XXXX XXXX for {$240.00}. When I spoke with someone in the accounting department of that hotel, they said they had not received my payment to XXXX. XXXX has said for almost a month now that they are waiting for their Accounting department to get back to them with more info. As a result of waiting and due to the charge being in XXXX XXXX, I am unable to dispute this with my credit card company. Clearly this was a double charge as I had already paid XXXX far in advance for this hotel room.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX account was opened I didnt do they used my person bank account to open i disputed all accounts with capital one and they just now closed it and sent money to my bank that was closed due to fraud activity told them its been well over 90 days XX/XX/XXXX now and they cant give me no information as the capital one credit card account was closed I have proof they sent it but now they say they cant use my new bank account I was promised 90 days Id see my money now 9 months still got nothing I need my {$250.00} and I need my money
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One Account # XXXX is a fraudulent account and has been reported multiple times to Capital One and XXXX telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again Capital One refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet Capital One claims it has been charged off. I want to see the evidence that you have.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Places where I have used my card since unlocked. XXXX on XX/XX/2023. Amount. {$150.00} its on autopay, so any XXXX is me. XXXX on XX/XX/2023 amount {$180.00} Lastly. XXXX XXXX. XX/XX/2023 amount {$20.00}
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXXXXXX XXXX Capital One Bank sent email that they had put a restriction on my accounts, due to suspicious activity. Phones several times and sent many emails begging them to please release my money. No response. On XX/XX/XXXX I logged in to check status of account and it showed a XXXX balance. Checking further, I saw the money had been sent with an electronic transfer. The transfer has not shown up in my XXXX XXXX account. Called Capital One to find out where the sent my money. Was told to leave a message and if they thought it necessary They would call me. Before I could say a word the call was disconnected. Called back and got to leaves a message. That was 2 days ago. Still no response. Sent private message on XXXX 2 days ago, Still no resonse. The amount of money involved is {$7100.00}. I am an XXXX XXXX XXXX XXXX and I do not need this kind of treatment as it has caused a lot of stress.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX I received a CC from Capital One for a CC I never applied for. I called the fraud dept and they were very difficult to deal with as i was hesitant to provide my personal info due to multiple times of identity theft. I told the rep I want the card closed immediately as this is not a card I want or applied for. I ran a credit report today, and it is reflected on it but does not appear any action on it has occurred. The rep told me they will open a claim but would not confirm they would close the card! Captial One makes it extremely difficult to find an address pertaining to fraud as I wanted to send a certified letter to them to put them on notice to cancel the card. IMO they are violating the law and I am suspicious they may sent me the card to attempt to get me to activate. Looking at the poor reviews online it would not surprise me. The card # is XXXX XXXX XXXX XXXX Any additional info you might need please contact me
Company Response:
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Company Response:
State: TX
Zip: 75159
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A