Date Received: 2023-06-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Capital One is engaging in harassment in order to collect a debt. I have been receiving excessive calls and texts daily and multiple times throughout the day. This constitutes unreasonable/unwanted contact.
Company Response:
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One has been doing multi inquiries on credit report. I have not authorized Capital One to due any inquiries on my behalf. Three times month is unnecessary.
Company Response:
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been a customer of Capital One for 4 years. I have never been late, I have never been over the credit limit. Most of my payments were in full. This summer I would like to purchase a used vehicle in cash, so I decided to pay less on my credit cards and keep more cash. On XX/XX/2023, all 3 of my accounts were restricted without warning. They claim that the " fraud department '' needs me to submit 3 recent bank statements to confirm my identity. This does not make sense, and there is no reason to do so. Is this because I'm not paying my balance in full anymore? Is this because it took several tries for me to obtain a cash advance since customer service kept giving poor instructions on how to do so each time I called? When I called the " fraud department '' on XX/XX/2023, the rep was very evasive. Since I didn't receive any response to my letter, I called the " fraud department '' to follow up today XX/XX/2023. I spoke with the 1st rep who acknowledged the letter, and then was transferred to her manager who claimed that she didn't see any letters. Then this same manager hung up on me! She informed me that I was be recorded, ( which is perfectly fine and expected ), and I told her I was recording her as well. She stated I couldn't record her and hung up on me. I would like for the recording of this conversation to be part of this investigation. Since my tendency has always been to use the credit cards for daily use to avoid my debit number from being overly exposed, I now have the burden of figuring out what auto-bills I need to change over to different account numbers. I'm attaching the letter, a snapshot of my accounts, a snapshot of my XXXX XXXX profile showing that I have a 100 % on time payment history on ALL credit terms with ALL credit companies, and proof of the letter I sent that the manager denied receiving.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Im filing this because XXXX XXXX will not help during this time that Im going through a financial hardship, I lost my job and I cant make any payments, I have tried to call and get help but hung up on constantly, transferred, im very much struggling, im trying with every effort I can to get back in my feet and Im asking XXXX XXXX to help and give me some help so I dont get behind I dont want to lose my XXXX XXXX XXXX or XXXX XXXX , im sorry the company I worked for went out of business, I need assistance with my payments not fees that wont help, im trying to get work but it has been that hard for me, I really care about being a customer of XXXX XXXX Im just going through a hard time and want and need help.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see my previous Case Number for - XXXX. Capital one said the inquires on my account will be removed but it still hasnt for my XXXX XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows capital one inquires on all my credit reports. please see attached letter you sent me. am in the middle of applying for my mortgage so please set urgency.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX Made a Payment To Capital One For ( XXXX ) On XX/XX/XXXX ) That Was Returned Never got it Returned To My Account? Then I Went Paid XXXX XXXX & XXXX XXXX TO CAPITAL ONE THEY BOTH GOT RETURNED CAUSE CAPITAL ONE DIDNT EXCEPT MY XXXX XXXX XXXX? An thats what I thought My payment Got Returned? Thats a lot of money Gone? So I went an closed my account they shut off without any reason? Deleted my XXXX XXXX no Reason Nothin so I Cant Have No report on My Accounts I had? Ive got A lot Of Screenshots Of Everything from the XXXX Payments To Capital One?
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive been receiving calls from capital one stating I have a outstanding balance of {$6000.00} credit card usage I did not authorize a capital one credit card in my name, and I want this off my credit
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: 1. Company sent me notification that my account was upgraded to a World Elite Mastercard ( WEM ). the upgrade was fake. my account was NOT recoded or upgraded to a WEM. i do not have the benefits and privileges of a WEM. I do not have the starting credit line of a WEM. My website interface does not match other cardholders who hold a Capital One WEM. i also do not have the company 's advertised services or upgraded contact/communication support that other Capital One cardholders have. 2. Company denied my request for CLI stating 2 untrue/false reasons as the reasons for denial : 1st false reason - account was just given a CLI. this is not true because i was given a CLI over 6 months ago of only {$100.00} from my starter credit line of {$500.00}. it was not a recent CLI, as company stated. 3. 2nd false reason is the use of my card was adequate. i have attached statements to show this reason stated by the company is also not true. 4. Malicious Capital One account managers have flagged my account for internal abuse and harrassment. Capital One 's internal operations blatantly discriminate against and mistreat customers. Capital One should be investigated to see if it is in compliance with federal laws.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, a payment was made to my Captial One Mastercard account from my mother 's checking account at XXXX XXXXXXXX XXXX I believe the payment was made online. In XXXX of XXXX, I had an abnormally high balance and decided to make an additional payment on my card on XX/XX/XXXX, for {$2500.00}. When I was completing the payment online, I saw that there were XXXX checking accounts connected to my Capital One account. I'd forgotten about my mother 's {$5000.00} payment last XXXX, and I immediately called Capital One to have the unrecognized linked account removed. The next day I spoke to my mother and asked her where she banked. When she said XXXX XXXX XXXX I realized that I'd made a mistake and called Capital One. They said they would note my account and credit my account. Then I was notified through the Capital One app that a payment adjustment ( debit ) of {$5000.00} had been applied to my account. I was never informed that was going to happen and it was in direct contradiction to what I'd been told. I called Capital One to explain the situation, and they told me the money had already been returned to XXXX XXXX XXXX. I called my mother and asked her to watch for a credit to her checking account for {$5000.00}. A week went by without the credit. I called Capital One who then told me it could take 1-2 billing cycles for the money to show up in her account. I asked why when a wire transfer takes 3-5 business days would the money take so long to appear in my mother 's account. At that time they told me that there was an ongoing investigation and that was the reason for the delay. Then I saw that there was a letter on my account dated XX/XX/XXXX, stating the investigation was complete. After another week passed, I didn't understand why the money wasn't in my mother 's account since it clearly didn't belong to them anymore. ( They'd debited my card and as a result, had been made whole. ) I called Capital One once again and they were very rude in insisting there was nothing more to be done than to wait. I spoke with supervisor after supervisor, retelling the story. After telling the story to a customer service representative a few nights ago, ( I believe it was the evening of XX/XX/XXXX ), and getting more and more frustrated by her lack of empathy and unprofessionalism, I was transferred to a supervisor who informed me that the money had been placed in an " unclaimed funds '' account. I'd never heard that term and the supervisor informed me that the funds were never going to be returned to my mother 's account. Now I got really furious because I realized that Capital One had essentially stolen {$5000.00} from my family. This supervisor actually had sympathy for me and completed a complaint form with me over the phone, apologizing profusely. Later that night I received some paperwork to complete on the Capital One app, and after 3 days my account was credited {$5000.00}. The whole situation took so much of my time and energy to resolve and I don't think what they did was professional or even legal.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 a scammer used the 'did not show for jury duty ' scam to scare me into paying {$2700.00} so my wife would not be arrested. It was a very sophisticated scam and I was forced to act within a specified time frame - I paid the requested amount with a debit card. We had second thoughts when the scammer tried to get more money from us and realized we were scammed - we confirmed it by contacting the sheriff. We notified the bank and our local police about 1 hour after the payment was made. Since then we have provide all requested information including the scammer 's emails, police report numbers, audio recordings, invoices, etc. The bank notified us by email that they denied the claim. The bank also sent a letter via mail disapproving the dispute dated 1 week BEFORE I sent them all the information they requested. After denying my claim I requested information and explanations from them regarding their investigation such as, who received payment, what was their policy on refunding scammed funds, how they justified the mailed letter stating their investigation was complete and denied my claim before they had all the details, and whether they thought I was trying to defraud them in this matter- they refused my request for all of that information/explanation.
Company Response:
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A