Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : -Close the unauthorized account -Removeany charges on the unauthorized account, and -Takesteps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. -FTCIdentity Theft Report -Proof of identity -Notice to Furnishersof Information
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent.
Company Response:
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX you are in direct violation of the Fair Credit Reporting Act Capital one Account ending in 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to bring to your attention a matter of serious concern regarding discriminatory practices in the misappropriation of accounting of U.S. government property for a special deposit and discrimination in the extension of credit by fiduciary Capital One , National Association, FDIC XXXX # XXXX. I recently applied for a financial product offered by Capital One, financial institution, specifically the Quicksilver Card, and was subsequently denied the extension of credit. This denial, in my view, violates the provisions of the Equal Credit Opportunity Act and other relevant laws. As a natural person and card issuer, I completed the consumer financial product application in good faith, including my credit card ( social security card ) providing collateral security, to secure in advance the sum of all charges as disclosed under the omission of term " finance charge. '' This special deposit was intended for the fiduciary, XXXXapital One , National Association, an insured depository institution, granting them the authority to act on my behalf as beneficiary, non-citizen national of the United States and cardholder of the individual consumer. The adverse action taken against me by Capital One , National Association, as evident from the adverse action letter dated XX/XX/2023 ( Exhibit 1 ), is in direct violation of the Equal Credit Opportunity Act ( 15 USC 1691c ). Discriminating against a consumer based on protected characteristics is unlawful and may result in civil liability, as stipulated in 15 USC 1692k. Furthermore, the institution Capital One and it officers may face criminal liability under 15 USC 1691 for engaging in discriminatory practices. I also wish to highlight that Capital One , National Association is accountable for meeting statutory and regulatory requirements resulting from the importation of my nonpublic personal information. Despite this responsibility, your institution discriminated against me by denying the delivery of my asset and approval for the extension of credit, despite my application complying with the relevant provisions of the Equal Credit Opportunity Act and the Federal Reserve Act. Upon receiving the adverse action letter dated XX/XX/2023, I sought reconsideration from the fiduciary, requesting the credit value equal to the collateral I had provided in exchange for the recognized insurance coverage. However, my request was again discriminated me on account of national origin and race but purportedly based on unverifiable rumors, defamatory hearsay, false statements, and even obscene language, which were furnished with malice or willful intent to injure me as a consumer and to deprive me of my federally secured right to credit. Such actions may constitute violations of the Sherman Act. Please take note that statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. Furthermore, XXXXpital One , National Association appears to be in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002. I made a completed application in good faith reliance on the Truth in Lending Act, expecting credit to be issued. However, credit was not extended to me as guaranteed. Additionally, the unauthorized use of my credit card and the absence of any corresponding benefit to me demonstrate fraudulent activity and a violation of the Truth in Lending Act. The application terms provided by Capital One , National Association ( Exhibit 3 ) also unfairly and deceptively omit the required disclosure of the determination of the finance charge, contravening 15 U.S. Code 1605, 15 U.S. Code 1632 ( a ), and 15 U.S. Code 1637. Moreover, it has come to my attention that my social security account number ( credit card ) was misappropriated through the use of a deceptive application form, which excluded me as the participant original creditor and impeded my ability to make an informed decision on behalf of my consumer. This constitutes an illegal restraint of trade and deprives me of the secured right. I hereby revoke any and all electronic communication by any electronic agents with Capital One , National Association in accordance with the E-SIGN Act for handwritten response to my complaint under penalty of perjury for verification of review of my completed application. Furthermore, I enclose a copy of my U.S.A. passport credentials ( Exhibit 4 ) as appropriate proof of identity for verification and record-keeping purposes, as required by federal law. It is important to note that failure to comply with the aforementioned legal requirements and rectify the discriminatory actions taken against me will result in criminal and civil liability. I possess evidence that clearly demonstrates the discriminatory practices outlined in the adverse action letter I received from your institution ( Exhibit 1 and 2 ). I demand that Capital One , National Association takes immediate and reasonable measures to address this matter, including compensating me for the unauthorized use of my credit card and the denial of the extension of credit. Failure to do so will leave me with no choice but to pursue all available legal remedies to protect my rights as a consumer. I trust that you will give this matter the urgent attention it requires. Please respond to this complaint within 30 days of receiving this letter. Thank you for your immediate attention.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capital one is saying denying my credit line increase by saying there is legal action against me. This claim is false, I do not have any lawsuits against me or any pending.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
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 was originally scheduled to stay at XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX for my honeymoon with my wife in XXXX XXXX XXXX. These bookings were made on Capital One travel. On XX/XX/XXXX we drove to XXXX XXXX and when we got there we were told that all bookings were cancelled weeks ago and refunded due to a sewage issue. I never received any email or refund for the room beforehand. Capital One never informed me or refunded me for this reservation beforehand. We drove hours out of our way only to find out that the only open rooms were at the XXXX XXXX XXXX, which was another 2 hours on the other side of the park. The woman at the XXXX XXXX XXXX XXXX check in desk was a XXXX female in her late twenties who told me that they would write in a note to XXXX, since I booked through them, to refund me for the XXXX XXXX XXXX reservation and for the original XXXX XXXX XXXX reservation. I wasn't able to check into my original XXXX XXXX XXXX room since that wing wasn't open for the season until XX/XX/XXXX. I was told they would book me for 4 nights in room XXXX at the XXXX XXXX XXXX so that I wouldn't be inconvenienced further by having to move rooms. I was assured I would be refunded for both my original reservations and told to call Capital One Travel. This conversation with hotel staff was around XXXX XXXX. I spoke with Capital One Travel at XXXX MST and the male agent reassured me I would be refunded for both bookings after I told him what happened and it would be in my account by Monday XX/XX/XXXX. We had to check in at the XXXX XXXX XXXX XXXX and I again spoke to the staff there about this issue and they again assured me that I would be refunded for the original 2 bookings. I spoke to a short haired woman and an older woman with glasses who was originally from Florida and they both said I would be refunded for those original bookings since I paid {$1600.00} for this new 4 night stay in room XXXX. This conversation was during my check in XXXX MST. I spoke to another older woman on XX/XX/XXXX at XXXX XXXX XXXX XXXX check in desk for reassurance. She took a XXXX of her computer screen on my phone behind check in to show the note she left for XXXX to refund me for the XXXX bookings just in case there was any issue. My wife and I spent XXXX to XXXX at XXXX XXXX XXXX XXXX, in the room we were told would replace the previous 2 bookings I had made due to the inconvenience. I checked in on this issue multiple days, with multiple staff members and was assured multiple times there would be no issue. The note was created on XX/XX/XXXX at XXXX MST. XXXX was taken at XXXX XX/XX/XXXX. It reads " Guest is staying in XXXX checking in XXXX checking out on XXXX. Please refund XXXX reservation due to miscommunication in XXXX closing - XXXX '' I have spoken to XXXX, XXXX customer service, and Capital One Travel multiple times. I had to pursue and call 3 times over 3 weeks before I got the refund for my XXXX XXXX reservation. I still have not received my {$790.00} refund for my original XXXX XXXX XXXX reservation despite their staff and Capital One assuring me I would. I spoke to Capital One Travel on XX/XX/XXXX XXXX EST for an hour and 9 minutes. The female agent told me that the hotel staff saw the note left and agreed to refund me my {$790.00}. She said to call back Wednesday XXXX for their accounts to process it. I called back today at XXXX EST and another female agent told me that my refund was denied again. The agent was very rude and completely dismissed the fact that I had been on the phone for over an hour last Saturday and that they had approved my refund then. I have spoken to Capital One Travel on the phone multiple times on the phone since my stay back in XXXX. Each time they have started by telling me I wasn't eligible for a refund despite the fact that I never checked in or stayed at that original reservation, the fact that I was assured I would be refunded for that initial {$790.00} by both XXXX staff and Capital One, and the fact that they just told me I was approved for the refund due to them seeing the note left in XXXX XXXX XXXX XXXX system and the XXXX I have. Every time I speak to Capital One they keep me on hold for hours and try to tell me that my reasoning wasn't clear or make up some other reason for why I am not eligible, but then when I tell them that I was assured by their staff and by XXXXXXXX XXXX staff and that I have proof on my phone of the note they tell me I am eligible for a refund, but I need to call back in a few days. I call back and they tell me that I am not eligible all over again. All of the calls should be recorded so they should be able to go back and listen to them when I was told I would be refunded on XX/XX/XXXX XXXX EST. They said their hotel partner sent over the paperwork to be signed off on, but now they tell me I am not being refunded. This entire experience has been horrible for me and my family. This was my wife and I 's first honeymoon and we have had this entire ordeal drawn out by Capital One Travel. There has been so much deception on their end and it has caused a great deal of XXXX on my family. I literally had a XXXX XXXX on the phone today while the agent was talking to me as if I was lying and demanding I give her names of employees despite me telling her the employee 's ID and code on the XXXX of the note. I have never dealt with such dishonesty in my life from a company. I hope that this report can do some good and help others who may be taken advantage of. I hope that I can get the {$790.00} refunded back to my account and I can finally put this behind me. I spoke to their XXXX XXXX XXXX number on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX - Check XXXX for {$3500.00} sent to XXXX XXXX XXXX at subcontracted consultants home. XXXX - Check cashed at XXXX XXXX XXXXXXXX ( not a XXXX XXXX has ever had account with ; signature she does not recognize. XXXX Consultant says she never received check. I call bank. They say check was cashed on XXXX at XXXX XXXX XXXX XXXX I was eft on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XXXX I spoke with XXXX at Capital One who tells me dispute is now an open investigation and they will get back to me within 15 days. XX/XX/XXXX - On phone, she tells me that she has sent an email to XXXX the Capital One investigator and that he will get back to me. Hes waiting to hear from XXXX XXXX XXXX. No affidavit needed. XX/XX/XXXX I get an email requesting affidavit from milestones XX/XX/XXXX I spoke with XXXX in person at XXXX XXXX Capital One branch XXXX He talked to person who talked to investigator. They said no timeframe for these things but theyre working on it and will get back to me. XX/XX/XXXX - Consultant fills out and sends me affidavit XXXX XXXX I receive affidavit ( filled out as Consultant not as XXXX ) XXXX - I scan and email affidavit and a document showing Consultant link to Milestones ) as requested to Capital One. XX/XX/XXXX I went to Capital One branch in XXXX XXXX and talked with XXXX. Put in a complaint. They said it could take a while. Maybe call on Friday. XXXX - On phone with XXXX and had to describe the whole situation again. She informed that Capitol One is waiting on XXXX XXXX XXXX to return the funds and they have opened their own investigation. No time frame. I told them I would file complaint with CFPB XXXX XXXX On phone with XXXX. He said that they acknowledge this as fraud and have submitted documents to Bank XXXX XXXX but have not heard back, and theres nothing more XXXX XXXX can do. I asked him to put pressure on XXXX XXXX XXXX. I asked him who I could talk to at XXXX XXXX XXXX and he said I could try calling their fraud department. I told him that this is between Capitol One and XXXX XXXX XXXXXXXX so why should I be robbed? If I didnt care about the security of sending {$3500.00}, I could have sent cash. Using their check is supposed to protect me from this. He tried to soothe me but said its up to XXXX XXXX XXXX. XX/XX/XXXX Initiated complaint with CFPB
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: Since XX/XX/XXXX I have been trying to make a wire transfer or access cashier checks. After at least 12 phone calls Capitol One will not allow me to have access to wire the money or order cashiers checks and the also will not send the money vis phone because I am not sending the money to a title company. I am trying to purchase a house for cash in Mexico but the wire transfer is from a XXXXXXXX XXXX to a XXXXXXXX XXXX. They will not tell me when they will release my ability to wire the money. On XX/XX/XXXX I went into default on the contract I signed and they still will not release my funds. They did allow me to make two {$11000.00} ( {$22000.00} total ) before locking me out. So now there is a very good chance I will lose my money because they are holding my money XXXX with no way for me to access it. I needed to make a {$89000.00} payment that they refuse to release for my protection. I will lose {$22000.00} because they are holding my funds for no reason and will not tell me when they will.
Company Response:
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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, XXXX rented a car for me from XXXX as XXXX did not have a part in stock to repair my car. The rental was returned to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX charged my credit card {$100.00}. stating that it was the unpaid balance. I immediately disputed the charge after a promise of a call back from the branch manager XXXX didn't occur when trying to settle the matter. XXXX submitted and invoice showing XXXX XXXX XXXX paid {$3700.00} and XXXX paid {$170.00}. Capital One ruled in XXXX 's favor. I opened a CFPB complaint and Capital One refunded my account " as a courtesy ''. At the time, I clearly indicated that I did not agree to pay ANYTHING to XXXX for this rental. On XXXX XXXX, XXXX, XXXX charged my account {$3700.00}. When I asked Capital One how they're allowing XXXX to charge me when they previously sent documentation stating that this amount was to be billed to XXXX, their response was that they could not use the merchant 's statements against them. I forwarded the conversation between XXXX XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX showing that XXXX acknowledges their error that I do not owe this amount and should never have been charged. XXXX also maintains they are unable to refund my card. However, on XX/XX/XXXX, XXXX refunded my card $ XXXX the amount of the previous dispute. Capital One responded that I have the burden of proof to show that XXXX was paid for the transaction even if I never agreed to pay it. I contacted Transaction Support. The agent agreed that it's clear I should have never been charged and the merchant knew something was wrong, but the person who created the claim classified it as " Paid by other means '' instead of " Merchant billed more than agreed '' and offered to transfer me to a supervisor, which I accepted. I spoke to XXXX and explained. I directed her attention to the documents I submitted which shows I checked " Merchant billed more than agreed '' which was {$0.00}. She conceded that she clearly sees I should have never been billed, but suggested I should demand the money from XXXX since they promised me the rental and that they perhaps gave XXXX my credit card information, which is not true. I would need to get a proof of payment from XXXX and submit proof they paid their bill. She told me she would not assist me further and pushed to end the conversation.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A