Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Capital One to help me figure out my points in my credit bureau. The only reason why I have a negative points on my credit bureu is because capitals ones customers service center in XXXX XXXX offered a credit card to me, which he said it would be monthly payments. An emergency came I used an amount of XXXX dollars when I tried paying my monthly they told me that I have to pay that XXXX in full, that is not the agreement I agreed to get the credit card. capital one called and said that I have to pay the full amount so at that time I couldnt make full payment and they put a bad point on my credit bureu their customer service lied to me to just to get me to sigh.when I confront capital one customer service said there isnt any notes how they explained to me about the monthly payments, I called back, I feel very unheard and hurt by the way, Capital one has treating me being that I am cooperating to pay the full amor of XXXX. I called one last time and they want to, be very aggressive with theyre speaking. They said they dont participate in figuring out a solution. They did not give me any options to figure something out. I tried working with them. I tried understanding what youre the agent was saying and it all does not make sense. I spoke to XXXX # XXXX she said I could not speak to anyone else she was in the highest position.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone used my card fraudulently and I was told while they investigated I would receive temp credit hasnt happen
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I did a points transfer of miles from my Venture XXXX card to XXXX XXXX. The transfer never went through and I made a case with Capital One about this. They still have not resolved this for me by crediting the points back. I'm more than frustrated. In addition, I went to XXXX in XXXX of XXXX and I had issues with a few merchants. I opened disputes regarding several transactions and even submitted documentation proving why I should be credited back. Capital One sided with the merchant multiple times and unfairly.
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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: Name of the merchant : Pottery Barn Purchase date XX/XX/XXXX Bill date XX/XX/XXXX using Pottery Barn Private Label Credit card serviced by Capital One. Credit card was billed and transaction was posted before delivery was received. Purchase total {$2800.00} I filed a dispute with Capital One on XX/XX/XXXX and the dispute was denied as they stated the disputed needed to be filed within 60 days of purchase. On XX/XX/XXXX received the modern farmhouse round pedestal extending dining table, however, the table had several imperfections upon delivery. I notified Pottery Barns customer service immediately via phone and provided pictures of the imperfections and damage to the table via email. They stated they would send me a new table in XX/XX/XXXX. The date of the replacement table continued to be pushed out and is now slated for XX/XX/XXXX, more than a year after I received the initial table. I asked for the table in my possession to be returned. They agreed to pick it up for a full refund. I have had to call several times to find out when the credit should show on my credit card. Each time I was given a different story. I was first told the refund had been released and it would be XXXX to 10 days. After 10 days I called back and they stated the card declined the return and stated they would try again. I asked if they needed the card number to reprocess and they said no. I asked if someone could call me back to let me know if the refund went through and they said they dont call back customers. I called back on XX/XX/XXXX as no credit was showing on the credit card and spoke to XXXX. She stated she opened a ticket for her supervisor to find out what was going on and they would give me a call back. I never received a call back. She provided me with this confirmation number during the call XXXX. I called back on XXXX/XXXX/XXXX and spoke to XXXX. She informed me needed the credit card to place the refund. I gave her the credit card information. She stated I would have to call back and follow up if I did not see the credit within XXXX days. I called back on XX/XX/XXXX and spoke to XXXX. She stated they were working still working on the refund and it would be XXXX business days. Are you able to help me with my refund? Thank you, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Its is XXXX to show any payment history on my credit report. Please have all of payment history information removed from my credit report immediately.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: We have reached out to multiple agencies and gotten little response and our finances are in ruins as well as my family up north because of my mothers ignorance and reluctance to see the truth of all the fraud this person has committed in her name and acts she may have done out of stupidity. My Mother has fallen in love with an online scammer and he is ruining us all. Please, Please help. She has sent this man pictures of our children, our home, car, my aunts ( her sister ) and told him personal information which has gained him access to all aspects of our lives because she believes he loves her. I have screen prints from one of her XXXX accounts stating many illegal acts and I reached out to some banks over the phone and in person to try to stop and recapture something. Since XXXX we all have had multiple issues regarding bank transfers, credit card accounts, Missing mail, cashed checks and various cards showing up on our credit or unusual transactions done between various accounts and charges appear on various statements over the past few years, plus XX/XX/XXXX my information was stolen on a layover at the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX at a Convenience Shop called XXXX XXXX XXXX ( Owner ) Police Report filed with XXXX Report # XXXXWhen I had realized a couple of cards had unusual charges and were missing i notified creditors we found reporting on our credit reports and banks immediately ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, Capital One XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX bc I had just been awarded my Unemployment settlement of XXXX and a majority of it was used and taken. My billing address was changed to a XXXX XXXX Location on some accounts, our emails were hacked or new ones similar to our own created, my XXXX information was accessed, XXXX transfers, XXXX transfers and so much more was invaded. Our life and credit have been destroyed, my XXXX XXXX and my Aunt were exposed and compromised by this online love interest my mother met in XXXX. We discovered that my Mother who lives with my XXXX has continued this online relationship with a XXXX profile claiming to be XXXX, a civil engineer out of XXXX. We have discovered this false persona had been deceiving my mother and acquiring all our personal info from her such as SS numbers, bank card and account information on all of the above mentioned. We have found correspondence online supporting these findings as well as wire transfer info from fictitious XXXX businesses and various names Sent to and from my mother over the last few years. XX/XX/XXXX or XXXX We had been contacted by a Florida detective w/Fraud Dept in XXXX XXXX XXXX XXXX XXXX. Regarding my mothers ss and name on accounts with over {$30.00} XXXX in wire transaction at a few banks down in Florida. I spoke to this Det again in XX/XX/XXXX and he claims another womens daughter like myself has claimed her mother has involved herself and her family is the exact situation we are experiencing. My mothers name had popped up in their investigation of business contacts with this Fl women and her XXXX. Also XX/XX/XXXX we discovered my mom was supposedly a member of XXXX XXXX XXXX XXXX and had received a substantially large wire transfer of {$67.00}, XXXX that was deposited XX/XX/XXXX into an account in her name that this xxxxxxx had opened for her to reallocate funds they managed to take from us and various other individuals by withdrawing via XXXX, XXXX, XXXX, atm withdrawals from other inviduals credit cards/atms, depositing checks, fraudulently collecting unemployment in my mothers name, and online transfers the list goes on an on. When i notified these creditors they sai they would investigate and did nothing or closed the account and said i owed even after i provided police reports and statements from the business owner confirming the fraud and theft had occured
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Capital One Credit Card, Since XX/XX/2023. Had to call them each month they trying to take out wrong amount for payment on auto pay turned off had to block account number because they took out double payments. Talk to supervisor each month to fix problem . Then same XXXX keeps happening each month. This month sent a check for XXXX. XXXX XXXX XXXX tried to tried to cash check for XXXX. Charge me late charges even though I sent check 6 days early. My bank again XXXX XXXX is filling a depute on what they are trying to do. Called Capital again supervisor file something for credit with them. Not sure if I will get the extra charges back, This happens every month since XXXX. Just have to see if I get a credit again.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital One is violating the Fair Credit Reporting Act, by reporting the incorrect balances for 2 charge off accounts. Per law, interest & fees are suppose to be waived when a balance is charged off
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 the following companies made inquires into my credit without my permission. XXXX XXXX Capital One XXXX
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A