Date Received: 2023-06-06
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: XX/XX/2023 To Whom May Concern, Im writing in regard to XXXX of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre XXXX different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another XXXX credit card with Capital One a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you!
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Here are the items to point out for the Capital One Account ending in XXXX : The account was closed, without proper notification to the consumer, although it was in good standing with a XXXX balance. A violation of the consumers right under CFPB Regulation B - Section 1002.9, which states, ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. The letter was mailed to the consumer in an envelope with a transparent window, which displays the company logo prominently. A violation of the consumers rights as noted in Regulation F of the CFPB, 1006.10 ( b ) ( 2 ) states ( 4 ) Not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;.. The communication with the consumer was at a time that was inconvenient, A violation as stated in 15 U.S. Code 1692c ( a ) ( 1 ) - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. The closed account status furnished by creditors to the credit bureaus for the above stated account negatively affected the consumers credit worthiness and reputation as reflected in all three credit reports causing credit applications to be denied. A violation as stated in 15 USC 1692d ( a ) ( 2 ) elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Since receiving and using my kohls card it has been set up to make the minimum monthly payment via autopay. This has never been changed. Today XXXX XXXX, Kohls withdrew {$260.00} from my checking account to apply to my charge card. This was the full statement balance. They were only authorized to take the minimum payment of {$29.00}. My account password was changed when I tried to review the account and then locked for 2 hours. When I contacted customer service they told me it was set to pay the full statement balance. This is false. My account has always been set to minimum payments since receiving the card well over a year ago. This is not the first time I have had an issue with this account. At one point they took off my autopay causing a late fee because the payment was not made, unbeknownst to me as autopay should still have been active as I have never changed it. I asked to have my funds reversed and the minimum payment withdrawn. They told me they could not do that. I will be filing a lawsuit against Kohls Credit for violation of my rights under FDCPA.
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I've had a savings account at Capitol .for many years. I wanted to add beneficiaries to the account. For some reason, they wanted social security numbers on my beneficiaries on a notarized statement. I wasn't comfortable, but I sent them this statement, certified mail, 3 months ago. After two months, I couldn't see where these beneficiaries were added, I called the bank. The person I spoke with didn't see where I had sent this information. I got a copy of the person that signed for this paperwork from the post office. I then sent this to the bank, in XXXX XXXX ( the beneficiary division ). I asked them to find these papers and contact me immediately. They have not. This was a month ago. Do I have any recourse? Thank you for your help. XXXX XXXX XXXX, NY
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I was scammed by an individual through XXXX XXXX, sending them {$220.00}. I contacted my bank and reported a dispute on that same day. On XX/XX/XXXX, my bank, Capital One, denied my claim.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied and was instantly approved for the Capital One Venture card on XX/XX/2023. The approval email said I would receive the card in XXXX days, and if I spend $ XXXX in the first 3 months, I will receive the sign-up bonus of XXXX rewards points. This is the primary reason I signed up for the card. After waiting XXXX weeks and not receiving the card, I called Capital One. They told me the card was lost because they didn't have my apartment number. Strange, since I am an existing customer, but I simply gave them my apartment number, confirmed the full address, and they said they would send a new card. ( All of these calls should be on record with Capital One ) After waiting another XXXX weeks and not receiving the card, I called back again. The rep went through the exact same conversation, and once again told me they had the incomplete address. I had to once again tell them the full address, and they would send another card. ( Again, I'm already a customer of Capital One, and this is not the first card that I've been shipped, not sure where the issue came from ). After waiting another few weeks and not getting the card, I called again and they told me that the address on record was correct, but the XXXX card was simply lost in the mail. I then gave them my brother 's address and they sent out a XXXX card. While waiting for the XXXX card, the XXXX card that was lost in the mail eventually made it to my mailbox. It is now nearly XXXX full months from the time of being approved. When I spoke to XXXX of the Capital One reps about this back in XXXX, they told me to give them a call when I finally get the card, and they could extend my allotted 3 months to qualify for the sign up bonus. While I waited to get the card, they did not offer me expedited shipping on replacement cards, nor did they offer me the option to use a digital card and begin making purchases, so there was no way I could work towards the bonus that was offered. When I finally got the card on XX/XX/2023 I called Capital One and walked through this story again, and asked that they extend the sign-up bonus window, simply to align with the 3 month offer that was advertised. They denied my request. They allowed me to escalate the call to a senior rep, and they denied the request again. I did not ask for free bonus points, or anything special. I just wanted to have the normal 3 month window that's promised on the promotion. The delays were not because of anything I could control, and it seemed reasonable they should offer this extension. The bonus is worth XXXX points, which equates to an estimated {$1300.00}. This is a huge loss in value for me obviously, and seems like a deceptive practice. If you tell someone that they have 3 months to complete a requirement, and then they don't get the card until 2 months have already gone by, that feels like deceptive marketing.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XXXX XX/XX/XXXX, I received a suspicious phishing email with Capitol One font claiming the bank intended to close newly opened savings account. The next day, I called customer service and encountered a nightmare. A customer service person in the Fraud Department who identified himself as XXXX accused me of identity theft and fraudently opening an account. I immediately stated he had no right to make such a claim because Capital One had already verified my valid Washington State driving licence and social security number in addition to confirming that I already had a valid account from XXXX. XXXX proceeded to provide misleading and contradictory information about security protocol even after he had verified my personal information. The entire conversation devolved into a power struggle where XXXX continuously badgered me because he did not believe me and he refused to accept valid state and federally issued documents. Moreover, he did not provide any answers when queried about Capitol One 's demands for constant verification on new accounts and why did Capitol One threaten to close an account after I had verified all the requisite information. To add insult to injury none of the Capitol One customer service provided any detailed information to explain why the financial institution made the decision to flag my account and later accuse me of fraud. I will vigorously pursue all legal options to preserve my integrity and ensure that Capitol One immediately discontinues slandering my reputation with false accusations of fraud. Furthermore, since this issue has elements of a XXXX dynamic, I will enlist support of civil rights agencies to safeguard my rights and reputation.
Company Response:
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On or about XX/XX/XXXX, a check was sent from XXXX XXXX XXXX XXXX to Capitol One to pay off my auto loan. That check had the VIN number of the vehicle but not my name or account information. Capitol One states that this is not their error in processing the check. I called once I was informed that Capitol One had received the check to ensure the payment was going to be applied to my account. I then called multiple times between XXXX and XXXX as I was noticing on the Capitol One app that my account was not being paid off. On two occasions I was informed that they did indeed have the check and that it was being processed and that my account would soon show paid in full. I was even waived of a late fee as they could see the check being processed for my account. Towards the end of XXXX I started getting calls to make payments on my loan and I insisted that the check was being processed and I didn't need to make a payment I was told that XXXX XXXX had requested the money back, a bold face lie. This was compounded on the lies I had been told that my account was going to be paid off. Capitol One sent a check back to XXXXXXXX XXXX with the exact information that XXXXXXXX XXXX had sent. I asked the representative at Capitol One to call XXXXXXXX XXXX to get this taken care of and was told that they were a third part in this matter and couldn't do anything. I contacted XXXXXXXX XXXX and had XXXX call Capitol One. The representative at Capitol One told us that this is in no way their fault and that we needed to pay a higher amount than the original check was for. XXXX said we would make arrangements for this and would wire this amount over. When he sent this wire it was returned with a charge of {$45.00}. XXXX then reverified my account number to resend the wire transfer. He also asked me to verify the payoff amount so I checked the Capitol One app and saw that it stated my loan was paid off and I was getting a check for {$7600.00} for over payment. Since we hadn't had a payment processed yet, XXXX attempted the wire transfer again but again it was returned and I was charged {$45.00}. I called Capitol one as was informed that my loan was indeed paid in full on XX/XX/XXXX, and that I would get a check on XX/XX/XXXX. However, there was a issue with an insurance check that had been deposited into my account in error and on XX/XX/XXXX that was fixed so my account was again showing due and I was assessed another late fee. I had XXXX contact Capitol One again to resolve the situation and after a few issues with customer service, I was finally able to talk to someone that was going to help. XXXX, from Capitol One asked us to send a check for the original amount from XXXX and over night it to get this paid off. He stated then I could call and have a quick conversation with someone to process the request for that amount to be honored. When I called today to have that occur, the representative stated mater of factly that they would not honor the request for that original amount and that I would have to pay the additional amount of XXXX to pay off the loan. Where XXXX was unsure about me getting the {$90.00} returned funds fee, this representative stated I just needed to provide the statements that show this and I would get this returned. Since I have been lied to this entire time during this process getting this taken care of I do not believe they will honor this payback either.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XX/XX/2023. I called Kohls in XX/XX/2023 to report that my husband was deceased and that I wanted the bill changed to my name. They said that because my husband opened the account, the bill had been addressed to XXXX XXXX, He and I both had a card I would have to reapply for the card and that I would have to reapply for a card and could no longer use the card until I received a new card. I received the bill and paid the balance off as I always did with this card. I tried to reapply for the car twice and the application did not go through. I went to the register to charge and told them the situation and they said go ahead and apply for card now. I did. Once again, the application did not go through. Each time I called them they said I did not receive a new card. A few months later, I received a letter from XXXX XXXXXXXX XXXX stating that my account was closed because I was deceased, I told them I was not deceased, They apologized and said to continue to use my card. In May. I received a letter from XXXX XXXX stating that my account was closed. I called them and they said that they had incorrect information that I was deceased. They gave me the number of XXXX to get more information on this wrong information about me. I ordered a report from XXXX. The credit report that I received today shows negative activity on my account, It shows XXXX stating that I was deceased under responsibility. Also the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are listed in hard inquiries. I pay my bills on time, including paying the bills in full, and have rarely been late with a payment. My credit report from my bank is XXXX. I want this lie off of my report.
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Capital One received payment from my XXXX XXXX XXXX account in the amount of {$280.00} ; and {$500.00} on XX/XX/2023. I was then informed the payment would not post to my account until XX/XX/2023. I indicated this was unacceptable and had I known, I would have kept my money in my checking account as I needed funds for the holiday weekend. When I reached out to capital one to confirm payment/ascertain status- capital one determined I could expedite the waiting period if I stayed on the phone with their fraud representative ( Agent name : XXXX ), while he connected with XXXX to confirm the payment went through. 40 Minutes later, we have confirmation from my bank XXXX XXXX, that yes I have paid the amount and it has gone through. Despite this, Capital One needed to clear this " internally. '' XXXX then begins the process of placing me on hold a number of times, trying to figure out what is wrong. XXXX then told me it had in fact processed ( check the phone logs ) and then doubles back and stated that in fact it hadn't and they simply could not figure out the internal mechanism holding up confirmation. He then informs me, though I am at work, If i get disconnected, they will not fund my payment/ make my credit available for another week because they can not " confirm my payment. '' However, if you have been following along, we had confirmed payment, XXXX minutes ago now. Despite this nice threat -- I was disconnected and decided I had to continue working my full time job. I called back two more times, to which capital one was aware of the situation but had no further substantive solutions. I ended the call, cordially. fast forward to XXXX. I received a letter from capital one telling me I have violated their terms of use, and they have closed my account. This badgering from a credit card company is beyond unacceptable. Not only is this company inept, they treat customers like XXXX. There inability to confirm payment processes for personal banking is negligent. Furthermore, tying up an individual 's funds because of the companies own ineptitude is wilfully negligent. I have noticed activity on my credit report as well. This company is predatory. If no accountability is taken here, I will file an actual lawsuit against this company. I look to the CFPB to intervene and protect consumer rights.
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A