Date Received: 2023-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In late XXXX I opened a XXXX XXXX XXXX XXXX. Which at the time on their website claimed i would receive a {$200.00} sign up bonus if i spent {$500.00} within 3 months I complied with the terms, spent my {$500.00} and paid it off. I never received my bonus after spending the {$500.00}. Over the next 2 months following I ended up spending over {$800.00}. After some googling some people claimed it took 3 complete billing cycles to have the bonus credited. I waited 4 months, and never got said bonus. I contacted capital one today ( XX/XX/2023 ) through a phone call and they informed me that the bonus is " not real '' and that on their end does not exist. I ended up, requesting to speak to a supervisor which was the highest escalation point, according to her, and the supervisor claimed she did not see the sign up bonus on her end, and it took me having to give her the entire URL to see it in which she informed me that there's nothing she can do about it after informing her that that's illegal to offer it and not grant it. Upon further inspection of their website, it seems like they raised the minimum from {$500.00} to XXXX which does not matter as I paid {$1300.00} over the course of the three months using the card. My phone call lasted 28 minutes and I was told that I was speaking to the highest point of contact that I possibly can. During the course of the call, the woman I was speaking to was rude, unprofessional, condescending and offered no resolution to the issue. Not even giving me a point of contact to reach out through to email. My phone call was at XXXX and lasted 28 minutes total. The link to their website is https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ I have screen recordings and screenshots to verify that the URL is legitimate and that at the time of me submitting this complaint, the offer is still on their website, but they are not giving it to anybody which is false advertising.
Company Response:
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Capital One account open account settled and closed. Yet still wrongfully reporting amount due
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance With The Fair Credit Reporting Act XXXX Capital One account # XXXX on XX/XX/2021 has violated my rights. 15 U.S. Code 6802 B A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a {$40.00} late fee on my Capital One Credit Card on XX/XX/2023. My due date was XX/XX/XXXX, and I have made 2 payments on the XXXX. A payment of {$94.00} ( minimum required ) + a payment of {$100.00}. The first payment was made online, and the second payment was made over the phone with a Capital One employee. I called Capital One about this fee, and they said they charged me because it is their policy to consider any payment made after XXXX " late ''. My first payment was made at XXXX according to them. And the second payment after XXXX. Capital One is refusing to remove the fee. I would like to dispute this charge because it is unfair given the fact that I made my payments on the XXXX. Thank you,
Company Response:
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am behind on my account. On XX/XX/2023 I entered into a payment arrangement to pay {$130.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 to bring the account current. On XX/XX/2023 I was charged a {$40.00} late fee. I called them today to find out why I was charged a late fee if I am on a payment plan. They stated they will still charge late fees because the account is past due. If the account wasn't past due, I would not need a payment plan. It was not disclosed to me that I would still be charged a late fee after entering the payment plan. This is a deceptive practice and falls under UDAAP.
Company Response:
State: TX
Zip: 77657
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2023 I requested a balance transfer for {$18000.00} from Capital One to be sent directly to XXXX to pay off one credit card. The total available balance on the Capital One at the time was {$20000.00}. XX/XX/2023 I had realized that the balance that I had requested was over what was owed on XXXX by {$3100.00}. I called Capital One to speak to an agent about cancelling the transfer with the full intention of requesting four new transfers to consolidate current credit debt. The agent I spoke to stayed on the line while she contacted a supervisor named XXXX to complete the cancellation. I was told that the transfer was still in a pending status since balance transfers typically can take anywhere from 3-5 business days. This matched what I was looking at on my Capital One account as well. At the end of the phone call, I was assured that I could proceed with my request for the new transfers because my current balance on the card was set back to {$0.00}, and my credit available was once again {$20000.00}. This was also reflected on my Capital One app. After the phone call I immediately requested the four new balance transfers. The total amount of the new transfers was {$19000.00}. This was the total amount available for me to transfer due to there also being a 3 % fee on each transfer. The transfer amounts and fees for all of the transfers are as listed. XXXX XXXX : ( {$3100.00} ) and ( {$1100.00} ) { These were on two separate cards. } Fees- ( {$95.00} ) and ( {$34.00} ) XXXX : ( {$13000.00} ) Fees- ( {$400.00} ) XXXX XXXX : ( {$1600.00} ) Fees- ( {$49.00} ) XXXX original transfer : ( {$18000.00} ) Fees- ( {$550.00} ) XX/XX/2023 I looked at my XXXX XXXX and noticed that I had a negative credit balance of {$3100.00}. Looking at the amount paid by Capital One to XXXX it was the original balance transfer that I had been told was cancelled. I immediately called Capital One to figure out what happened. I was on the phone with an agent for almost an hour just to be told that the original transfer of {$18000.00} did not show to be cancelled. I was told that she could see where I had previously called but there was no information as to what was done during the call. I then requested for the four transfers then to be cancelled so that I could ensure that the new transfers did not also process through. The only response I had gotten was that because it was over my credit limit after the original transfer there was no way the other balance transfers could even process, but they were unable to cancel from the stage that they were in. I was told to keep an eye on the accounts to make sure there were no further issues. Later that night I had a conversation with XXXX to refund the {$3100.00} to my account. I was told this could take around 14 days to show to my account. At the point of typing this, I have not yet received that refund. XX/XX/2023 The next morning, I checked my XXXX card to see that I now had a negative balance of {$16000.00}. The second transfer of {$13000.00} had now also been paid to my XXXX account. Looking at my XXXX XXXX cards those transfers have been paid as well. According to my Capital One account the XXXX XXXX has been paid, but I have yet to see it on my XXXX XXXX account. I immediately made another call to capital one, but it ended up disconnecting in the area I was in before anything could be done. I decided to call the next day when I was able to have better service. XX/XX/2023 This is where I am looking to reach out to you for assistance. I made a call at XXXX XXXX to Capital One with the concern that I am now {$19000.00} over my {$20000.00} credit limit. I am also now being charged a 3 % fee on balance transfers that I was told should not have ever even gone through. I have now called two different supervisors to try to resolve the issue. I have only been told that there is nothing they are able to assist me with because I called too late even though this has not been my first phone call to the company within the last week. My Capital One account now is at a balance of {$39000.00} when I only have that {$20000.00} limit. I was not given an answer as to how this could have even gone through their system in the first place. Since the phone calls, all I have done is make another call to XXXX to receive the remaining negative {$13000.00}. I am receiving this money within another 14 days with the full intention of sending it directly back to Capital One. I am at a loss now of how I have gotten charged well over my limit including a fee of {$550.00} on the original {$18000.00} that I had originally worked with Capital One to cancel before it appeared on my XXXX account.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I paid off the remainder of my balance with Capital One. It was just over {$800.00}. My balance became XXXX, and my autopay was cancelled. Shortly after, I was charged the {$95.00} annual fee for using the card. At that point, autopay was no longer active. Because I knew I had paid off the balance, and I hadn't used the card after that, I had no reason to go into the app. Well, a few months later I got onto the app just to check things out to find out that I was 2 payments behind. I was taken by surprise, because I knew I had paid it off, but then saw the {$95.00} fee, as well as a couple late fees. My problem is that I was never notified via email or the app that I had payments due or that my payments were late. When I talked to Capital One, they said that multiple emails went out to me, but I never received even one of them. Not in my inbox, not in my spam folder, not in my deleted folder, nothing. That is not an email that I would glance over if I received it. I am very upset at the way that Capital One handled the situation when I spoke to them. They seemed to not have a care in the world and just kept saying that it is the way it is and they can't do anything. Something happened along the way that prevented me from receiving the emails, and I don't know if it was their emails not sending or XXXX somehow blocking it. Because of all of this, I now have a delinquency on my credit score that will be there for 7 years. It dropped my score by XXXX points. All because I never received notification that I had a payment due. This was 100 % out of my control, and I need it fixed.
Company Response:
State: ID
Zip: 83402
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Capital One Auto Finance Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies received such tender and notification to credit/discharge the accounts for the beneficiary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hi Im having problems with capital one bank so I had an issue with an charge that was charged to my account and captain one send me a refund and then at the same time they withdraw the money from my account that made my account negative balance and they want me to pay a balance that they made my account negative and they still keep calling me and harassing me
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A