Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act Capital One Acct ending in 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I received letters that both my quicksilver card and platinum credit cards are closed due to too many returned payments. I was never notified of this prior and nothing states the card can be closed due to such thing. I made Payments on time even paying in full and my payments returned because capital one does not take payments from savings accounts and I was also not aware. This is a simple miscommunication and I would like my accounts reopened!
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.
Company Response:
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I spoke with a representative by the name of XXXX with Capital One regarding the interest charge on my account. Ive paid {$1800.00} the balance in full and Capital One received it on XX/XX/XXXX but didnt post it until XX/XX/XXXX which caused a higher interest charge. The automated system verified the date of payment received.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: Contacted CapitalOne and advised I needed to dispute a charge from XXXX for Case Number : XXXX AMZN Mktp XXXX billed on XX/XX/2023 for {$120.00}. After several attempts back and forth with capital one they continue to tell me to work it out with the merchant which I am unable to do. XXXX has closed that account and is not willing to assist in refunding the charge for the returned merchandise, proof of return and receipt that XXXX has merchandise back has been sent to capital one. Capital one has advised me XXXX has sent documentation to support the claim which capital one has not provided me. I have provided a written statement as well as proof of return to capital one and they continue to not assist in the matter. Capital one supervisor advised me via phone the first agent submitted the case with the incorrect reason code in which I was asked to write the written statement. Still I have no resolution.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX XXXX I submitted a complaint to the CFPB about CAPITAL ONE refunding me for my credit balance on an account ending in XXXX. They sent me a check with a coupon attached and I requested a refund of my credit balance of {$2000.00} which I endorsed with my signature as the beneficiary on the back. The certified mail number is # XXXX. As a consumer, I made the request as my RIGHT as a consumer after I extended my credit for an open-end credit plan. I reported a billing error and in return, my account was closed on XX/XX/XXXX. I did not have my billing error resolved and therefore CAPITAL ONE is liable under 15 U.S.Code 1611 ( 1 ), 15 U.S.Code 1666d, and 12 C.F.R. 1026.13 ( d ) ( 1 ). These are my RIGHTS as a consumer according to the United States Congress for my protection.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Tuesday, XX/XX/XXXX, I initiated a Real Time transfer from my personal bank account with XXXX to my other personal bank account with Capital One. XXXX 's system stated the transaction went through successfully ( Transaction # XXXX. ) From here, I didn't think anything of it as I have completed numerous transactions before from XXXX to Capital One using this method. On Monday, XX/XX/XXXX, I noticed the funds were removed from my XXXX account as expected, but had not been received by my Capital One account. I called Capital One card services at XXXX XXXX XXXX to find out if there was a transaction that was pending and basically where my funds were. They stated they did not receive any transfers and I need to contact the sending bank to have my issue resolved. This call lasted 6 minutes. I immediately called XXXX at XXXX XXXX XXXX to find out what had happened. Once connected with someone, I was told the transaction went through successfully. I was also provided the transaction number for the transfer ( above. ) This call lasted 18 minutes. After finishing with XXXX, I call Capital One back at XXXX XXXX XXXX to provide the information I received from XXXX to Capital One. Capital One took my information, however they stated they may not be able to do anything with the transaction number and needed a 15 digit trace number. The individual I spoke with created a case for me. I received the reply to this case on Wednesday, XX/XX/XXXX. During the call with Capital One, I requested to do a 3-way call between myself, a Capital One Representative, and a XXXX representative in hopes that between the two of them, they would be able to locate my funds. The Capital One representative stated they need a 15 digit trace number to locate the transfer, but the XXXX representative responded stating that real time transfers do not produce trace numbers because it is not an ACH transfer. If it was an ACH transfer, there would be a trace number to locate it. They went back and forth for a bit, and the XXXX representative provided the transaction number ( above ) to the Capital One representative. The XXXX representative stated they were going to create a case number on their end to investigate this issue ( Case # XXXX ) We then ended the call. This call lasted 34 minutes. On Tuesday, XX/XX/XXXX I received a response from XXXX via their documents portal stating no actions will be taken and the inquiry is now resolved. There was no further information. On Wednesday, XX/XX/XXXX, I received a response from the Capital One case stating their records did not show an incoming deposit number and requested 15 digit trace number ( Ref : XXXX. ) I then called Capital One again to find out what is needed to find my funds, which they stated again the 15 digit trace number. This call lasted 13 minutes. On Thursday XX/XX/XXXX, I called XXXX at XXXX XXXX XXXX requesting the 15 digit trace number, in hopes someone else would be able to provide the information to me. They did not provide the trace number, but instead provided me the transaction number. This call lasted 21 minutes. I then called Capital One to ask if there were any other methods of tracking transactions without a trace number. They explained to me that for transfers, there should be a 15 digit trace number. To summarize the rest of the calls, it was basically repeats of the same conversation from above on XX/XX/XXXX. I was on the phone between various parties from XXXX XXXX XXXX to XXXX XXXX XXXX. I have attached banking statements of the month that the issue happened.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: My name is XXXX XXXX XXXX, and my account number is XXXX. I have been a satisfied and loyal customer of capital one for six years. Additionally, this account was my very first account I opened after graduating college. Your outstanding customer service provided is the reason I have remained a loyal customer. I considered it a priority to make all my payments on time for thirty-thre months. Unfortunately, I fell short of my standards when it came time for me to update my checking information for my automatic payments. During the time I opened my first credit card account establishing credit my account was suspended because I was in a car accident, and I was hospitalized for a month, while been hospitalized I had to replace my debit card because all my items were lost from the car accident. While being hospitalized I was not able to update my payment information and my account had fell past due for missed payment. I realized it was still my responsibility to make my payments and update my information. Since then, I have recovered and made the payment following the account suspension. As a longtime customer and currently in good standing, I respectfully request that you apply a goodwill adjustment on the late payments from my file with all three credit reporting agencies, as im seeking to pay the account off in full XX/XX/2023. Thank you very much for your consideration. I look forward to continuing being a satisfied customer of capital one.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$280.00}. I am willing to pay off this account in the full amount of {$650.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by CAPITAL ONE to XXXX XXXX nor CREDIT WITH XXXX. I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A