Date Received: 2023-06-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am being charged an interest rate for a credit card that exceeds the legal limit set by my state, on my Kohls store credit card. My interest rate exceeds XXXX XXXX %, the limit in NJ. I am being charged on 30.74 % on purchases. The criminal usury limitations ( N.J.S.A. 2C:21-19 ). In New Jersey, it is considered criminal usury if a lender charges an interest rate of 30 % or more to an individual, or 50 % or more on an entity ( a corporation, limited liability corporation, etc. )
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital One Fraud department called me on Sunday XX/XX/2023 and left a VM that they were following up with me regarding opening up an account. Capital one also called my mother and left the same VM. The card is a credit card. On Monday XX/XX/2023 I called Capital One Fraud department and they advised that someone fraudulently completed an application in my name.
Company Response:
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 an 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.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681Section 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 an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card as late for any purpose.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: In XXXX my car with all personal belongings including credit card, debit card, and phone were stolen. Charges were racked up. I made a dispute that was later denied after supplying FTC id theft reports and police reports concerning the matter. The company refuses to honor my fraud claim, and have not gave me a detailed explanation in how they verified the information
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A payment was made on XXXX XXXX by a friend they paid off the full balance XXXX the payment went through my credit was available. Capital One approved the amount. I started using my credit card. On XX/XX/XXXX the payment was return I called my bank and they stated the person called their bank and cancel the payment saying it was fraud. The person made the payment by themselves they shouldnt be able to call and says its fraud if they were the one that made the payment so now my balance is over its limit XXXX and other pending charges keep going out. I try contacting the person they not responding. I didnt call their bank I have a XXXX job. This person made the payment themselves with their own account. I dont have access to their account. They are closing my account but said I need to pay the balance
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am a healthcare worker and due to XXXX XXXX and XXXX I became overwhelmed in my position during the summer of XXXX. I met with my manager on different forms of therapy and counseling that were open to me which eventually lead to me having to leave my position. I still had a family to care for so I contacted another healthcare team for a position. As i started working there issues with XXXX and XXXX became an issue and after a month I lost my income due to a hostile environment and XXXX ; this was XX/XX/XXXX. It turned out the effects of my employment, diet, and stress of not being able to provide for my family took a toll on my body and I became very ill with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX XXXX. I contacted all of my creditors because I wanted my credit to remain at least fair during this time. I was told by them all, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX that they would work with me and asked what i could pay, they updated my accounts on my condition or so I was told. I tried the minimal but I didn't have enough income coming in. There was no XXXX or holiday season for me or my family but we were happy I was still alive. I contacted them all once again in XX/XX/XXXX and was told my accounts would be on something like a forbearance hold until I could pay and not report my accounts until I could get back on my feet, I was told they would update my accounts. XXXX creditors asked how long it would be before i could pay again and I gave an estimated XXXX to XXXX months because I lost my health insurance and had to find a provider that would take XXXX to help with my conditions and possible procedures needed. I changed my eating habits/diet, excercised, and lost XXXX lbs. within XXXX months. I continued to communicate with my creditors and even applied for unemployment but it was only enough to barely pay my rent. I applied for XXXX Assitance and XXXX for food but was denied because I wasnt employed. I eventually found a provider an hour away which was good but my XXXX procedure was only able to be performed a month out in XXXX on the XXXX in XXXX. I was patient. XXXX was still providing. I looked for new employment positions because I was falling far behind and I had a student graduating and going to college that I had to prepare for. I found the position which was {$2.00} over minimum wage at XXXX XXXX, a block away from my home, and started a week after my XXXX procedure on XX/XX/XXXX in training with less than XXXX hours.I was supposed to go slow ; I wasn't pulling or moving much and I had stents in my sides but I needed the funds. I contacted my creditors to update them on my employment but found out it was too late for some by this time, they had reported my accounts at least 30 days past due and closed them after they told me they wouldn't. I have no idea how to get my credit repaired or pay bills. I'm constantly getting calls from collection agencies but don't give my information. XXXX XXXX worked with me and started a payment plan for XX/XX/XXXX with no interest or fees. That gave me hope but my credit is now shot. I am not finacially stable with this new position but I could've made payments and at least wanted to get back on my feet to good credit and health. Please can you help? I just found out about Consumer Finance.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: they are still on my credit report they will not take them off
Company Response:
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: they are still on my credit report they will not take them off
Company Response:
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
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/2023 I filed a dispute against Walmart with Capital One over an XXXX car battery that I purchased at Walmart. Under the law, Walmart is required to charge a refundable battery core charge which is refunded when the customer brings in an old battery to recycle. Walmart refused to return the core charge to me at customer service - I even called their XXXX number and nobody would help me, so I reached out to Capital One to file a dispute to recover the core charge. Capital One denied my claim when I provided all of the documentation that I had from Walmart. The problem is that Walmart commingles the core charge in with the sales tax on the receipt. I provided Capital One with my breakdowns on the receipt with the subtotal, along with the PA state mandated sales tax of XXXX XXXX. The difference in sales tax between my calculation and Walmart 's number is exactly {$12.00}, which is the refundable battery core charge. Capital One told me my claim was denied because I needed to get a receipt from Walmart with the actual breakdown. How am I supposed to get a receipt with the sales tax breakdown when Walmart doesn't respond to me or want to work with me? Isn't that the point of having credit card protections in the first place??? I also wasted XXXX cents sending my claim in to Capital One because nothing with the claims process was done online, adding more time onto the process. I am asking that Capital One refund me the {$12.00} that they are supposed to as it appears they did not even bother to work with Walmart to fix this issue.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A