Date Received: 2023-06-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital One Charged me XXXX fees that shouldnt be charged. XXXX - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXX XXXX - {$25.00} fee XXXX - XX/XX/XXXX - which was on Saturday not a business day. {$25.00} fee Total for refund : {$50.00} I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. Capital one with finance ( XXXX ) Capital one Bank ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/2023 my Capital One Credit Cards ending in XXXX, XXXX, XXXX, and XXXX were all close due to a glitch on their end. I removed a bank account and closed it but Capital One continue to try and pull funds from the account although I added my XXXX XXXX XXXX account and they were receiving payments in full every month. I would like my accounts reopened immediately.
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was laid off due to covid during the time of the late payments. 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 and purpose
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide XXXX or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was in a car accident and car was paid off. Yet creditor is still reporting as derogatory. Reports are shown that account is derogatory. XXXX and XXXX are currently reporting derogatory account. This is currently incorrect and needs to be removed from credit report for job
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Bank USA N.A., Account number XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666 B : 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: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Capital One credit card application was filed fraudulently and soon after approved without my consent. I was notified by a credit report monitoring service that a hard inquiry was reported to XXXX and XXXX. I called Capital One multiple times with very little success in closing the newly opened account. Ive been told each time that the credit card account is open but the representative will close it. I call in the next day to follow up and the account is still open and that representative closes it. This is the cycle of dealing with over seas customer service. The people that stole my identity have opened online banking with a credit card at Capital One. No idea how this happened never lost my wallet, never leave it unsecured, or misplaced.
Company Response:
State: WA
Zip: 98229
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX an auto payment was made. It sat in the account processing until XX/XX/XXXX, then it was returned ( I wasnt notified it was returned ), so I thought it went through. When I checked again on the XXXX and saw it didnt go through I immediately paid it. Afterwards I was charged interest for the days it sat processing in my account. I called customer service and they wouldnt do anything about it. It seems incredibly unethical to let the payment sit processing and then charge me interest without telling me it hadnt gone through on the XXXX. I have paid my bill in full every month for several years.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
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: On XX/XX/XXXX I went to XXXX hair salon located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX for the first time. I made an appointment for a XXXX XXXX retouch. The stylist did not use a barrier cream on my hairline, ears and neck. The stylist messed my hair line with XXXX XXXX, including over my ears and back of my neck. They tried to remove the excess XXXX off my skin at the shampoo bowl but was unsuccessful, they told me XXXX XXXX stains and it will come off within XXXX weeks. I was not happy being messed up all over my forehead, ears and back of my neck. I came home, called the store manger and asked for a full refund, she threatened me and said she was going to call the police as that is theft, I told her I was not happy with this service and this is a dispute. She was very rude to me. I then filed a XXXX review which contained pics of the XXXX XXXX XXXX which shows areas that was messed. I also told her I paid for a professional service and it should have been done professionally. I filed a dispute with my credit card Capital One. They sent me a letter from the merchant stating that they would have corrected it within 7 days, however that was not offered to me and further more I did not need more XXXX on my skin, the stylist merely messed my XXXX retouch up with XXXX XXXX, I wasnt able to attend a birthday due to the XXXX stain over my ears, back of my neck and my hairline on my forehead. I have pictures as proof of my XXXX XXXX mishap. I also have a copy of my XXXX XXXX to show I contacted the merchant on XX/XX/XXXX as well as Capital one customer service on XX/XX/XXXX but Capital One said I have to wait for the transaction to post to my account then only they can try and dispute it. The total charged is as {$95.00}, {$79.00} for XXXX XXXX services, {$16.00} tip which I didnt think the stylist deserved for such an awful job of messing peoples skin up with XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 45440
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A