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: I disputed a charge with XXXX for which the merchant rebutted which was accepted by Capital One and they recharged my account for {$110.00}. XXXX said I had not cancelled a subscription. This would not have been possible since I had never applied for a subscription and knew nothing about it until I saw the charges on my credit card bill. Capital One argues that they can not approve my dispute without evidence that I canceled the subscription. This is an absurdity. XXXX submitted a list that apparently Capital One accepts as evidence that I had received additional car washes. I was at XXXX only once! I issued a complaint with the FTC about XXXX, but this complaint is against Capital One for a making a faulty investigation.
Company Response:
State: FL
Zip: 33435
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I submitted a lawful payment in good faith that was not applied to my account a week ago submitted by certified mail payment was received the following day and payment has not posted I submitted certified mail called to complain about the credits not posting to my acct they stated that the do not honor remittance coupon I was then transfered to a supervisor XXXX who stated that he would help I provided information to him as to what occured he stated that they don't honor remittance advised well submit my credit back if your not honoring advised I would make a complaint if my acct goes in default
Company Response:
State: WI
Zip: 53220
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: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Capital One Auto Finance calls me several times a day regarding a delinquent auto loan that is not mine. Capital One call back numbers are automated and require a loan number to gain access to problem resolution. I have no loan number, so the automated system bumps me out. It will not allow me request a person. Attempts to contact Capital One Auto via other phone numbers result in bumped calls, disconnects, and no resolution. Capital One Auto continues to harass me even though I do not owe them money, and I have never had an auto loan with them.
Company Response:
State: PA
Zip: 170XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They just closed the following complaint with out doing anything and provided false Information on their response. Last Complaint with XXXX Case # : XXXX I called XXXX and checked my transition account and they have no record of me having an account with Capital One so they can no assist me with disputing information I even called the Number by capital one and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.
Company Response:
State: ME
Zip: 040XX
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: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # 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 a 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 purpose. XXXX
Company Response:
State: PA
Zip: 19026
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 status incorrect
Consumer Complaint: I was enrolled into a debt management program with XXXX XXXX XXXX in XX/XX/2023. Capital one is one of the creditors on my payment plan and they have been receiving monthly payment from XXXX XXXX XXXX on my behalf since XX/XX/2023. Part of the debt management program rules is that the creditors must stop reporting my account past due but Capital One continues to mark me past due each month. Ive disputed this with the credit bureaus and they refused to correct it and denied my dispute.
Company Response:
State: MN
Zip: 561XX
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: Fraud at an auto shop ended in catastrophic damage. XXXX would not adjust the charges. Location is XXXX # XXXX XXXX in the amount of {$740.00}. XXXX contents that the issue was not resolved with in XXXX XXXX but after having worked with the vendor to seek indemnification XXXX XXXX passed before asking XXXX to help. Could you help as the damages they caused to the car are severe. Thanks XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
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: Reporting company used your report improperly
Consumer Complaint: Hello, This isin regards to Capital One Auto Finance. I financed a vehicle from them in XXXX, in XXXX when COVID hit I sent the vehicle back. I lost my job due to layoffs during COVID. When speaking with Capital One Auto Finance. they had a few relief program going on and with my car being brand new and only having it for so long they advised I can send it back no hassle, no penalty, no quested asked. Everything was fine brought the vehicle to the dealership turned it in no damages or anything. I received a check from them owing me money due to the car being so new and it being sent back in. Lienholders will not send you money back if you have a balance they will apply that to your balance. A year later in XXXX got a letter in the mail stating that my vehicle has now been reposed and to call them to make payments. I called them and the rep thought it was weird that I received a letter stating that when she is showing no repos and everything ok on their end.A year later I noticed that they placed this vehicle on my credit stating i owed them XXXX dollars. I had called Capital One Auto Finance spoken with many reps and a supervisor all stating that my car was never Capital One Auto Finance repo 'd nor do I owe them any money at all. They told me the only thing I can do is to dispute it with the credit agencies to which i did report it to all 3 credit agencies. After a few months it was no longer on my credit and the credit agencies never asked or reach out to me for anything. I assumed this fluke was resolved due to it not even being truthful but the fact that it was removed from my view of my credit report but also still damaged my credit score. here we are in XXXX Im being told no repo was ever done and that my account is perfect no blemishes or account balance on my end by Capital One Auto Finance. i go up to the dealership in XXXX to get a new car as I previous just flat out bought a junk car after covid and recently sold it. The dealership and banks are telling me that they can still see the repo as well as me owing Capital One Auto Finance that large sum. I got denied for a new/used vehicle for this reason alone with the dealership stating that its still showing up on the back end as being disputed. I again call Capital One who still state they have no record of a repo or an account balance. There is nothing on their end they can do when nothing of the sort ever happened. Its been a year since I disputed this with the credit reports as well as Capital One. The only thing Capital One can do is provide me with the account paid off letter showing there's no balance. There is no repo affidavit nor a Tow Condition report they can provide. There's no letter they can produce of course stating they never repo 'd my vehicle because it didn't happen. Capital One states they are not able to reach out to the credit reporting agencies to advised to them this is a mistake and they themselves aren't aware how this happened. neither one of the companies ( Credit and Capital One ) are doing anything to resolve this matter. i would honestly think if they were doing this dispute then a simple phone call to Capital One would of resolved this matter by now. I dont know who else to reach out to in this matter due to none of this actually happened and yet its was taken off from my view on my credit just sitting there on the backend of my credit for others to see. Its not right for a company to accidently report something that was not true to the credit agencies and to have my credit drop with denials for a new vehicle. the credit agencies are Cleary not following through with this dispute/fraud and its costing me alot of time, money, credit issues and lack of getting a new vehicle.
Company Response:
State: GA
Zip: 30082
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Capital one after many claims still has not sent me my money that belongs to me, they did a closeout check for XXXX cents when my account has XXXX XXXX dollars in the account. I don't see why you guys are saying there fraud when the check is in my name and was deposited to my account. Funds were accepted and then redeposited because the remitting bank wasn't allowed to get back the funds because it was outside capital ones allowable time frame. Now you guys here at Capital One are trying to keep my thousands of dollars and leave me on end with no answers and no info, here are the pictures that show u how much I had and the closeout amount of XXXX as well as my savings which were XXXX cents. I have yet to receive my check for the other amount of XXXX, I'm making a claim today to see if capital one can give me answers and when will I receive my check it's been months and months and nothing has came. Please respond accordingly I need my money capital one can bear a lost like this, but I can't, I need my money sent to me. Thank you again and hope to hear from you soon. My savings account says closeout by check and the checking just says closeout. Where's my check?
Company Response:
State: CA
Zip: 91744
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: I have inquiries on my credit report that are not of me and Im trying to buy a home
Company Response:
State: GA
Zip: 31721
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A