Date Received: 2023-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a credit card with capitalone at https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ SavorOne Rewards from Capital One Unlimited Rewards Earn unlimited 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$1000.00} on purchases within the first 3 months from account opening Low Intro APR 0 % intro APR for 15 months on purchases and balance transfers ; 19.74 % - 29.74 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months Annual Fee {$0.00} i was approved. I received an email with general apprval information and link to create an online account. Upon downloading paperwork i noticed that i was receiving A DIFFERENT CARD- the savor ( not savorone ) with a XXXX dollar annual fee i called the number on the website linked XXXX. They said there is nothing they can do. They told me to call new accounts at XXXX same response and different number provided to try for the applications department - XXXX i was told that if i wanted to get the card that i applied for, i would have to close the account i was approved for and re-apply but probably wouldn't get approved since it was so close in time to the prior approval. They told me that i would be getting a XXXX dollar charge as soon as i activated the card. so, my credit score was hit bc i chose to apply for a specific card. They approved me for " a better '' card because my credit score qualified me for the best in the savor line. This was automatic, they said. I applied for a no annual fee card, they signed me up on an XXXX dollar annual fee card. i have a screenshot, in case they change the landing page at the website address.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/2023 my mother had became ill and had a XXXX. my hours was reduced to twenty hours a week because i had to care for my mother. I was making small payments at the time which capital one was fine with. Reaching XXXX, XXXX capital one had reached me and asked me to make three payment arrangements-promise to pay. The representative at the time had told me that capital one wouldnt report me late to the credit bureaus since i hace mad a promise to pay and if i had paid as agreed. I have paid as agreed. In XXXX, XXXX, Capital one have reported me late to the credit bureaus, destroying my credit score. they have lied to me because they didnt keep their agreement as i have done. I have paid the payment plan and was current before they have reported.
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FFCRA these companies are in serious violations and should not be on my consumer reports. 1 ) Charge Off = 1099 C ( I have never received one ) 2 ) XXXX XXXX in the State of Ohio = I dont see any 3 ) Account has been permanently deleted from XXXX 4 ) 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFP
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Several credit cards have been opened in my name. Fraud alerts were placed on all credit bureaus. I am supposed to be called before any accounts are opened to verify that it is me applying for credit. These three companies failed to do so. They failed me as a consumer and I need this issue rectified immediately. XXXX XXXX XXXX XXXX XXXX XXXX Capital One
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, 2023 at around XXXX I deposited {$1900.00} into a capital one atm located in XXXX in the town of XXXX Massachusetts. I had planned on depositing {$2500.00}, I had counted it before I went into the store and right in front of the atm. So I split the cash to what looked to be half of it so I dont overstuff the atm all at once. Was planning to put 2 separate stacks into the atm. The stack I pulled aside was mostly {$20.00} bills so it looked like half. And when I counted it to deposit the rest into the atm it came out to {$540.00}. And saw on the screen the atm only counted {$1400.00} from the first stack I deposited which was absolutely wrong. It shouldve been {$1900.00} after I counted what was left over. so I was {$510.00} short. Now I thought the atm mightve mis-counted because I mightve put more bills then the atm can take at once. So I deposited the money even tho it was short and put the rest of the money I planned to deposit into my wallet so I didnt have any more problems and called capital one customer service the morning after because their website said that customer service was already closed that night. I received an email on XX/XX/XXXX at XXXX saying they received my claim. And on XX/XX/XXXX at XXXX they emailed me saying I have a temporary credit of {$510.00} in my account. So then the claim is made and on XX/XX/XXXX at XXXX I get an email saying that my atm claim was denied because our review of atm systems and records show the transaction posted correctly. So I called them the same day I believe on XX/XX/XXXX or XX/XX/XXXX for them to take another look and to send me what information they used to come to that conclusion. And on XX/XX/XXXX all they sent to me to show what they used to make the decision was the atm records which showed that I only deposited {$1400.00}. I dont think they looked at anything further then the reports and my thoughts are if the machine messed up my transaction obviously its gon na show what it told me on its records right? So again on XX/XX/XXXX I email them back asking to reopen the case and send me any new information they used to make there decision. On XX/XX/XXXX at XXXX I received an email from them stating, We finished looking into your dispute ( s ), and your claim has been denied because our review of ATM systems and records show the transaction posted correctly. I received this email with no documents attached to show me what additional resources or information they used. And received the exact same email again on XX/XX/XXXX at XXXX. With no documents attached. I called them on XX/XX/XXXX and spoke to them for almost an hour trying to get an explanation for it and asking why they are only going off the atm records. Hour of conversation went no where all they told me is they can not reopen the case and that theres nothing else they can do about it. And that I was wrong and they were right. I even spoke to a supervisor or a manager and they told me the same thing. No additional documents provided to show if they investigated the case any deeper. Im left hanging {$510.00} shorter then I should be.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: 1.Did n't renew my BJ 's Club for XXXX due XXXX concerns. Assumed BJ 's PERKS MC, # ending in XXXX, was also terminated. 2. This card was also used to renew our annual subscription to XXXX ( i.e. TICKETS, XXXX XXXX ). No renewals were made in XXXX & XXXX due XXXX SHUTDOWNS. The renewals were confirmed via email. 3. In XXXX of XXXX, XXXX charged our thought to be terminated MC for {$40.00}, & failed to notify us. When we received the XXXX statement we immediately called XXXX to inform we were no longer interested continuing our subscription, because : 3.1 We purchased a Fall-Spring occupancy home in Florida & could go to XXXX during these times ; & 3.2 I am XXXX XXXX XXXX & can no longer XXXX from XXXX XXXXXXXX, NY into XXXX. 4. Numerous calls to XXXX went nun answered, so we asked to BJ 's Perks MC to reverse the UNAUTHORIZED CHARGE of {$40.00}, contact XXXX to reverse it. 5.They said the would, but didn't. We were finally able to leave a message at XXXX, but no one called. Interest & were added. The account was taken over by Capital One, & in spite 5 or 6 calls have yet properly correct problem ( i.e. # -- XXXX ) with FEES & interest up to {$150.00} in the last statement. 6. We were finally able to reach XXXX CustomerService on-line. I believe they would reverse the charge if they could, but may not be able to unless CAPITAL ONE contacts them. 7. We have NOT tried to use the services provided by XXXX since XXXX!
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I made contact about a XXXX XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX through an online application ( XXXX ) on XXXX XX/XX/XXXX. The dealer address is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I traveled to enterprise car sales in XXXX XXXX the same day. I was informed that the XXXX was in was in XXXX XXXX and it would be {$1800.00} to transfer that vehicle to XXXX and could take up to a week for the vehicle 's arrival. The salesman had me look again on their site and I found a vehicle ( XXXX XXXX XXXX # XXXX ) which was located in XXXX XXXX The transfer fee was {$600.00} and advised it would arrive within 3-7days. I presumed that because Ohio was 6 hours or so from XXXX, I would have the vehicle sooner than later. on XXXX XXXX, I paid the transfer fee of {$600.00} and {$2500.00} deposit on the vehicle. I went to XXXX XXXX XXXX on the XXXX XXXX inquiring if the vehicle arrived or if they could find out where the vehicle was in-transit because I had only scheduled to have the rental vehicle for three days and was told that due to the holiday additional time was needed for the vehicle arrival but should be there by XXXX XXXX. The delayed time for vehicle arrival caused me to extend the time and cost of the rental vehicle. I was very disappointed with that information because the transfer fee of the vehicle says it was non-refundable! I had to return the rental vehicle early on XXXX XXXX because of the extended cost. I received a call around XXXX on XXXX XXXX advising that the vehicle had arrived but still unavailable for pickup because it was too late to complete XXXX Inspection which could be taken care of the following day. Requested that I come up and check out the exterior of the vehicle and pay {$2500.00} of the down payment. I traveled to the location and was only able to view the exterior of the vehicle and not take possession of the vehicle. I received a call the following day advising the vehicle was inspected and I got a ride over to the vehicle after I got off work on XXXX XXXX. I drove the vehicle for almost one day and the engine light came on the XXXX XXXX but XXXX XXXX sales was closed. I took the vehicle to an auto store and XXXX XXXX checked the engine code and XXXX indicator was highlighted. I traveled to XXXX XXXX XXXX and XXXX XXXX met me there to return the vehicle to the dealership on XXXX XXXX for them to get diagnostic and or repairs ( fix the issue ) of the engine light or keep the vehicle. One of their policies says a 7 day return ( they are closed on Sundays ) /1000 miles or less. Well, I was told to just run the vehicle over to XXXX in XXXX XXXX, XXXX to get the vehicle diagnosed since it was still under warranty. I presumed that it would be ok. I traveled over to XXXX XXXX XXXX and due to the time of day Nissan Rep advised me to either drop the vehicle the night of XXXX XXXX or bring the vehicle first thing on XXXX XXXX they in-take 830/0900. Due to having Military drill weekend on XXXX XXXX, I went to XXXX on XXXX XXXX and waited to have the vehicle checked-in. Unfortunately, I wasn't advised until XXXX XXXX that XXXX XXXX XXXX did not have a diesel mechanic to service the vehicle I purchased and that I would have to contact XXXX in XXXX XXXX, XXXX or XXXX in XXXX, XXXX. I contacted XXXX in XXXX and was advised that the diesel tech was on vacation but would return on XXXX XXXX and they set the appointment. I took the vehicle to the appointment, the vehicle was diagnosed with a having known issue with the catalytic converter and that the part was not available nationally, the engine code issue wasn't not new on that vehicle, and that engine light was being reset and the vehicle not being repaired but being resold. The vehicle was a lemon and needed to be returned to the dealer. I called the finance company ( I spoke with XXXX of the Funding department of Capital One Auto Finance ) advising that I was sold a lemon and had the documentation. I was advised that the dealership had to cancel the contract but she would annotate the account. I called the dealership and advised that I would be returning the vehicle because they needed to have the vehicle repaired or replaced. This problem substantially impaired both the use and value the vehicle. Therefore, if the dealer was unable to correct the problem in a reasonable number of attempts as defined in Maryland Automotive Warranty Enforcement Act ( Md. Code Ann., Com. Law II, 14-1502 ( d ) ), I would expect you to [ repurchase or replace ] the vehicle pursuant to 14-1502 ( c ) of the Act. The vehicle was repossessed and unrepaired. I mobilized to XXXX XXXX shortly after and was advised to submit a complaint under SCRA.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company use my information without my permission
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A