Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act has Capital One has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer plan late for any purpose
Company Response:
State: NY
Zip: 14616
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX XXXX. Please resolve this manner as soon as possible thank you
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is a XXXX XXXX scam run by CapitalOne. They offer a 0 % for 12 month card. I have a credit score of XXXX and no late debts, with only 1 % of my credit in use. I applied for the card and was instantly denied. What followed was a lengthy ad for all of their other credit cards, with a promise to send me other options to select. The card I select had many benefits I can use - I did not apply for another card but they are trying to force them on me. They will send a letter explaining the denial in 7-10 days. It's a XXXX scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCEXXXX XX/XX/XXXX. All these inquiries were not made by me.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It says I am an authorized user and i never applied for that card.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCE- XX/XX/XXXX. All these inquiries were not made by me.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is inaccurate information on my report regarding the account XXXX from capital one
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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 have an ongoing dispute with Capital One for a purchase I made with my Quicksilver card from a business I found to be fraudulent -- I actually never even received the merchandise I purchased. I made the complaint to Capital One immediately after the purchase was made, which led Capital One to provide me with a temporary credit and get in touch with the vendor for supporting documentation. According to them, such supporting documentation was provided by the vendor ( which is ironic given this vendor doesn't seem to respond to customer inquiries ), and the charge was put back on my account on XX/XX/XXXX. Capital One stated that if I wished to continue to dispute the charge, I would need to provide them with supporting documentation by XX/XX/XXXX. I got in touch with them to find out how I could provide them with such documentation, and they said they'd send me a link to a website where I could upload all the supporting evidence I had for the dispute. I received such link on XX/XX/XXXX stating I had 14 days to upload the documentation, as seen below : " XXXX XXXX To finish processing your recent request, we need some supporting documents : Additional Information Form Proof of Return/Cancellation Copy of Invoice or Sales receipt Response to the Merchant 's Documentation Any additional information related to your dispute You can upload and submit your documents by using our secure link. Dont reply to this email. Youll need digital copies of your documents on your computer or device before you can submit them to us. If you have paper documents, you can scan them or take pictures and save them to your computer or device. This link will be valid for 14 days. After that, you can contact us if you need assistance at XXXX, anytime, 7 days a week. '' I tried uploading the documents as instructed but got multiple error messages. I got in touch with their phone support, they asked me to retry some other time. I did so in a couple of days, and again got errors. I reached out to them again and they told me they would send me a new link, which they did on XX/XX/XXXX. Those still didn't work. I got in touch with them again, and they told me the other two options would be to FAX the info to them ( frankly, I'm surprised anyone still has Faxes in XXXX ) or to mail them a detailed letter and all the supporting material for their review. Nothing was said about a deadline throughout this ordeal -- as a matter of fact, by the time they instructed me to mail all of this material to them it was already past the 14 days from when they had sent me the original link ( which in turn also not in compliance with the original deadline of XX/XX/XXXX. I wrote the following letter and mailed them all the documentation on XX/XX/XXXX, via registered mail. " I am sending this document in reference to case # XXXX in support of my dispute of the charges associated with a purchase I made at XXXX, totaling {$120.00}, with my Capital One Visa Quicksilver card. I purchased a soccer jersey at XXXX XXXX CST on XX/XX/XXXX. I regretted completing the transaction almost immediately as I felt there was something wrong with the store I had made the purchase at basically, the soccer jersey I had bought, had been sold out everywhere, but available here in all sizes and with different customization options. It felt almost too good to be true. I immediately checked their FAQ section to find what their cancellation policy was and read that you could cancel a purchase if the order hadnt begun being processed. I followed the instructions, which had me go to a page and press the button CANCEL next to the purchase. I did so but received no confirmation it was canceled. Instead, the button disappeared ( I cant even find that page nowadays ), and soon after I received an email stating the order had begun being processed. Remember this is now XX/XX/XXXX, when most businesses are closed. I sent their customer service an email citing I had done as instructed to cancel the purchase prior to being notified that my order had been processed but received no answer from them. I then tried to get in touch with them through their website, and again nothing. As my fears started getting worse that I had been scammed, I started doing some research on the website. As it turns out, not only had XXXX been previously the target of local news articles about it being a scam website that sells fake soccer jerseys as though they were legitimate, but other online review websites also contained a multitude of customer complaints for trying to cancel orders or get a refund for orders that were never delivered, to no avail. The website will simply not respond to its customers and will essentially steal their money, often with the goods never being delivered at all. Finally, while they seemed to be very responsive to your request for supporting material from them on the legitimacy of the purchase, they quickly followed that up with an email letting me know they had rejected my order meaning, not only are they keeping my money but they also have no intention of ever sending me the jersey they are claiming I purchased. All of this is supported by the attached documentation of this entire ordeal. I hereby please ask that you reverse your decision and remove the charge from my account immediately, also noting the history on this account of honoring every purchase I make with my credit card. Finally, I had repeatedly tried to upload these documents to the link provided to me by email and kept getting an error which was somewhat frustrating considering I always saw Capital One as a leading technology company. It feels unreasonable that, in XXXX, the only other remedy to this is me mailing you all this documentation. '' I heard nothing from them and decided to call them in early XXXX. They acknowledged they had received the documentation but had no updates on the actual resolution. They said they would get back to me in a couple of weeks. That didn't happen, and so I decided to follow up today, XX/XX/XXXX, already frustrated by this whole ordeal. Today, when calling them, they decided to let me know there was nothing they could do about the charge because I had missed the original deadline. They said despite them providing me with links that wouldn't work to upload the necessary documentation, it was my responsibility to get it in time to them and that I could have faxed or mailed it to them instead. At this point, I am just fed up with the messy customer support they provided and want to break my ties with them. I used that credit card as my primary credit card for a long time, and can't believe they would opt to sever ties with a loyal customer rather than issue a {$120.00} credit for something I bought and never received. I hope people are aware that despite their image as a very customer-friendly company, Capital One is unable to be reasonable and get out of its own way when it matters most to its customers. Thanks, XXXX
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We have had the Capital One Venture card for over 5 years and assumed they would have our backs when we became victims of fraud. We received an alert one day to approve a purchase that we didn't make & when logging into our account to follow up we had over {$4000.00} of fraudulent charges. We called right away, they cancelled our card, assured us they would look into it & the money would be reimbursed to our account. A few days later we received a letter that their investigation didn't prove to be fraud, they believed we made the purchases & all of the charges were put back on our account. The type of purchases, locations & time of day where not normal for us and it seemed clear as day this wasn't us so we are shocked that Capital One said it was their final decision and we are responsible. All of the fraud was on my husbands card and he had it in his possession when this happened. He hasn't been using the card but made recent online purchases through XXXX XXXX this is when the fraud started. There was an attempt on his mothers card too ( she is an authorized user ), she lives in the XXXX but the attempted purchase was in the US, but we caught it in time & it was declined. Capital One is claiming the fraudsters where able to use the chip and that is why they declined our fraud claim. How is this possible?? I feel so frustrated & helpless!
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX, I inadvertently deposited a check from XXXX XXXX XXXX XXXX XXXX XXXX and made payable to XXXX XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$2900.00} ) Dollars into my personal checking account with Capital One. I am the owner of XXXX XXXX, a Rhode Island XXXX XXXX XXXX. I inadvertently deposited the check into his personal Capital One account instead of his business account. Funds were not available at any point after the deposit and CapitalOne froze my account. I immediately called Capital One and was provided a case number. The case number is XXXX. I called customer service several times referencing the Case Number and was told they were investigating the issue. In XX/XX/XXXX, my account opening balance was XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$3000.00} ) Dollars ; however, on or before XX/XX/XXXX, Capital One withdrew all funds and the account balance was XXXX and XXXX/XXXX ( {$0.00} ) Dollars. The funds were not returned to me and my account was closed by Capital One. I called customer service referencing the Case Number again and was told by Capital One that they could no longer talk to me about it because my account was closed.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A