Date Received: 2023-06-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My rewards balance remain constantly the same {$17.00} for months. I use capital one shopping and activate offers, but somehow rewards are not changing. I have contatcted capital one shopping in XXXX and received response that it may take up to 90 days for rewards to show up in my account. I did however check a timeline and it has been much longer than that, I did reach out again to capitalone shopping rewards again and I did includ full statement of all purchases, but so far I have not received any response. This is an email I contacted XXXX. Person name is XXXX who replied once. I do hope you will assist me
Company Response:
State: FL
Zip: XXXXX
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My credit card ( Capital One Spark Visa ) is not willing to move forward with a chargeback request under Rule 13.1 of the Visa Chargeback Guide, pertaining to the non-receipt of a service that was promised to me by a merchant. I am seeking resolution and reimbursement for the payment made through my Capital One Visa credit card. Details of the Transaction : - Merchant Name : XXXX XXXX XXXX - Transaction Date XXXX XXXX XXXX XXXX XXXX Transaction Amount : {$2100.00} and {$6300.00}. - Disputed Amount : Total : {$8500.00} - Case Number : XXXX and XXXX at Capital One - Expected Delivery Date : XX/XX/XXXX I entered into a transaction with the XXXX merchant for the purchase of wedding photography. The agreed-upon terms included the promise of receiving the service ( i.e., photographs ) by an initially specified timeframe of 6 months from the Wedding that took place on XX/XX/XXXX. As per the vendor ( XXXX XXXX ) and wedding planner ( XXXX XXXX XXXX ) would fall on XX/XX/XXXX. On XXXX we had reached out to the Wedding planner ( XXXXXXXX XXXX XXXX ) via text asking about the photographs and she stated she had spoke to the vendor ( XXXX XXXX ) that she was expecting the photos in a few weeks, specifically stating during the month of XXXX as she had literally spoken to them this week regarding date of arrival. On XX/XX/XXXX, we had asked for an update and the wedding planner stated, hey photographer said next week. This was the last correspondence we have had with her as she is no longer communicating with us. This also is the last expected date of delivery for services that were prepaid. It was not until XX/XX/XXXX, when the vendor ( XXXX XXXX ) reached back to me stating they could not give me the photos because the wedding planner has not paid him in full despite at numerous times claiming she would pay him. She has essentially stolen our money. I believe the chargeback time limit should start on the last date of expected delivery which would be XXXX as this is a case in which delivery of goods or services can be reasonable expected after the actual transaction date. Per Visas chargeback rules ( 13.1 ) for Services not provided or goods not received, The dispute must be processed either : Within 120 days of the last date the cardholder expects to receive the goods or services ( not to exceed 540 calendar days from transaction ). OR Within 120 days of the date the cardholder was informed that the goods/services would not be provided ( not to exceed 540 calendar days from transaction ). Regrettably, despite the passage of time, I have not received the service within the promised timeframe. I have made multiple attempts to contact the merchant, but my efforts have been in vain, as they have not responded to any of my inquiries. This lack of communication has left me with no alternative but to seek a chargeback through my Visa credit card company. As per Rule 13.1, a chargeback is warranted when a service is not provided within the agreed-upon timeframe. In this case, the merchant failed to fulfill their contractual obligation by not delivering the service as promised. I have fulfilled my part of the agreement by providing payment through my Visa credit card. Therefore, I request that you hold Capital One Visa accountable in moving forward with the chargeback process to investigate this matter and reimburse me for the disputed amount.
Company Response:
State: TX
Zip: 79701
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Friday, XX/XX/XXXX, I attempted to transfer funds to my wife using XXXX via Capital One 360. The funds never arrived in my wife 's account. Literally vanished into the ether. I called multiple times and was put on hold for over 20 minutes the first time and over 40 the second time. The bank will not help correct the situation. I am being told the missing {$500.00} will be investigated in a 45 day timeframe. I believe this to be a violation of UDAAP regulations on the part of Capital One 360 and perhaps XXXX as well. Not sure about Reg E, but probably some violation there as well. I asked to speak to a supervisor and was put on endless hold. Literally just took my money. Very aggravating. Not helpful.
Company Response:
State: NJ
Zip: 07728
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: 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: XX/XX/XXXX while sitting in my office in XXXX MI Capital One called me and stated that there were 6 charges being made right now at a XXXX store in XXXX XXXX MI. Total amount {$3000.00} The total was done as follows : {$500.00} {$500.00} {$530.00} {$500.00} {$500.00} {$500.00} Of course it was fraud I said shut it down. They removed the charges only to put them back on because when a Capital One representative and myself spoke to a XXXX fraud representative he argued the credit card had a chip so the charges could not be fraud. An actual card was used. That means nothing. Cards can be made and are not checked against ID at this retailer. Since XXXX I have had this on my statement. They refuse to remove charges permanently. I have talked to both XXXX and Capital One without resolution and without the removal from my statement and credit.
Company Response:
State: MI
Zip: 49009
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Kohl 's Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response:
State: NY
Zip: 10940
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: 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 bought a XXXX XXXX on line for {$220.00}. The watch they send me is fake and not working, just a toy. I sent them a notice to refund my money on XX/XX/XXXX XXXX. Requested them to send me the refund authorization, They refused and offered me a partial refund of 10 %. I refused and requested to refund me the full amount. Then I contacted my Credit Card co and dispute the charges. Credit card co they gave me the credit. Later on they debited my account telling me that I have missed the opportunity to respond their inquiry in a timely manner. I requested them that for one month I was in XXXX and had not received their inquiry. I have provide all correspondence and proof of purchase with the supplier. Credit card co should help me to provide refund not the Fraud co and encouraging them to continue doing fraud. Supplier Co : XXXX Credit Card : Capital One, Account No : XXXX XXXX Case Ref : XXXX
Company Response:
State: TX
Zip: 77478
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that XXXX XXXX XXXX was representing capital one for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that XXXX had obtain a judgement. I sent that document to XXXX. I also reached out to XXXX to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that XXXX would not work with them because I owned that debt. I keep receiving notifications that XXXX has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. I can not get help from XXXX and XXXX wont speak with XXXX.
Company Response:
State: AZ
Zip: 85225
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 15 U.S.C 1681 section 602 A. : 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 permission in written instruction. 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Company Response:
State: GA
Zip: 30815
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/23 Please review attached. Capital One " cooked the books '' on my XXXX credit card account ledgers # XXXX and # XXXX aka FRAUD. Wire fraud and false line entries. Capital One also overcharged me interest and charging me interest on their FRAUD is illegal. Wire fraud and false line entries See attached laws. ARS 44-1522 AZ Consumer Fraud law attached as well. Capital One owes me interest credit on # XXXX {$19.00} plus more until they credit my # XXXX credit card. Capital One owes me interest credit on # XXXX {$86.00} plus more until they credit my # XXXX credit card.
Company Response:
State: AZ
Zip: 85258
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: My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) Capital One / Inquiry Date : XX/XX/2023 XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023.
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A