Date Received: 2023-06-02
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 was involved in an accident. capital one has put a late on my credit report. I spoke with them multiple times before and after. I was told my car is being paid off from my accident. Please call by this date in XXXX of 2023 to make sure there is no amount still owed on the car to not have a late on your credit. I called on the date I was told to and told to pay directly through my account not a card just to make sure payment goes through on time. My very last amount that insurance didnt cover. The late is on my credit and its stopping me from buying a home. I need this fixed please. Capital One doesnt do what they say and they are very rude about it.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I believe this was Discriminatory Closure. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX ( XXXX ) You have illegally closed by XXXX 's XXXX when I pay more than the minimum, have a 700+ Credit Rating, and am gainfully employed. This account was opened with XXXX XXXX and has been paid as agreed. I have not had a Capital One account of any kind in more than 12 years and was Discharged in Bankruptcy in 2016. My cell is XXXX I have complained to XXXX. I am filing a NYS Banking Department Complaint with the Federal Banking Regulators.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went to a local Kohls store In my area of XXXX, XXXX, and watched as a customer in front of me entered her phone number for the rewards program. I had previously used the Kohls cash program online and believed I could enter my phone number to get rewards. When I did so, the associate said that I didnt have a rewards account but she would create me one. She informed me to press the green button to accept the terms of the reward program, and enter my social and date of birth to link to my account. I provided all of this info without receiving any written or verbal notice of this being a credit application. in hindsight it makes sense, but now i feel that i have been taken advantage of. I realized this error when my transaction was completed, and I never used my current credit card. i then explained that this was not what i wanted, and her only source of solution was to tell me to cut up the card when i received it in the mail. I explained this was not what I wanted, and she told me I had read the terms and that I was confused. We looked again at the terms that she told me to hit enter on, and it said that I had received and reviewed the terms of the Program, which i did not in the course of the interaction. She kept insisting that the text on the screen were the terms, but there was nothing written about interest rates, fees, or other terms that would lead someone to associate with a credit card. Calling the online number allowed me to close this new credit line, and I will now have to dispute this on my credit report.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: someone stole my credit card and used it, it was a capital one credit card. Capital one took care of that immediately, but then on XX/XX/XXXX I got a capital one hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a customer in good standing with Capital One for quite some time. In XXXX of XXXX my email accounts and personal information was hacked. The hackers immediately accessed my bank accounts and credit card accounts, specifically Capital One by taking over the mobile app, setting up additional user names and using the virtual card to make fraudulent purchases. The hackers also used my bank account to make payments to Capital One I order to unlawfully use the virtual card. Although I have reported this to the XXXX XXXX and other law enforcement, however the hackers still are doing it. I have had several replacement cards from Capital One due to this and I have spent days attempting to get the hackers out of my account. Due to the hackers accessing my accounts and making payments on my credit card, I have had payments returned which is why Capital One closed my accounts I believe wrongfully. Each time the hackers accessed my accounts and made the payments I did not authorize I immediately made the payment after it was returned. After determining how the hackers were accessing my accounts I removed all online access and now have a bank account at a credit union without online access. The hackers have not hacked this account. Going forward if my account is re opened I can assure Capital One the payments made will not intercepted by the hackers.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Well, Ive had this account since XXXX and I havent had a problem with it up until XX/XX/XXXX. They cashed a check for me. It was a two party check that belong to a friend of mine that I had cash for him and they told me that it didnt scan or something like that if I was gon na put a hold on this account and closed it through the first of XX/XX/XXXX Ive tried everything to solve the problem but I cant do any thing other than what Ive already done about it. The guy that originally wrote the check is my boss and he cant recall the money because its in my bank and now my money and he cant take money from my account and the guy that I cash the check for Has passed away may the XXXX XXXX Ive give her phone numbers Ill give them addresses are done everything that they ask to get my money but its still locked up and theyre closing my account out please help me. I worked real hard {$750.00} for my money its about caused me to lose my car over this, I appreciate any help I can get in. Thank you.
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan Payments : XX/XX/2023, {$1000.00} Principal Only not applied as requested, the interest of {$130.00} shows as reversed. Yet they seem to apply more daily compound interest for the next several days. XX/XX/2023, {$10000.00} Principal Only not applied as requested, the interest of {$17.00} was captured when requested to be reversed it has not been applied to date and again daily compounded interest is being captured by the bank. I have spoken to the Bank on several occasions and they have not corrected the interest charged for these payments every attempt I have made has not worked so I informed them I would be filing a complaint and seeking a reward of the interest and possibly more based on their negligence.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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 am disgusted with my experience with Capital One ( Venture card ) and its claim of XXXX fraud liability protection. This was NOT at all my experience with Capital One. I imagine Capital One employs an entire department of people dedicated to fraud protection and lawyers, and yet, I was left to defend myself against this case of fraud with NO help from Capital One over a period of months. Capital One was of no assistance and is refusing to consider this case as fraud, despite the fact that the price I had agreed to pay was not the amount I was actually charged by the merchant. I provided countless documents, screenshots, emails, etc, providing evidence of my claim and supporting documents to support my dispute. Each and every time, I was told Capital One then needed different documentation. I would then provide that documentation, and Capital One then stated they needed something else. I was left to research the merchant and repeatedly contact them on my own. I found numerous complaints on the XXXX website when I went to file my own case with the XXXX against the merchant. I discovered a class action lawsuit against the same merchant, from XXXX, citing the same six complaints that I described to Capital One. None of that was sufficient for Capital One to help me. I have been in repeated contact with Capital One for the past month ( since XX/XX/XXXX, the date of the adjustment reversal ) providing documentation, calling to clarify exactly what documentation they would need, then providing that documentation, and then asking why my claim was rejected. This process repeated for an entire month, until yesterday ( XX/XX/XXXX ) when I was told the newest reason for the rejection of my claim was that the deadline had passed, and despite my having provided the documentation that had Capital One requested, I had needed to submit that documentation by XX/XX/XXXX. Never before yesterday had I heard about a deadline from Capital One. And, I do not understand how a deadline would have passed if they had only reversed the purchase adjustment and requested documentation on XX/XX/XXXX. That would have only allowed me a few weeks to respond. Please listen to the recorded conversations and review the multiple sets of notes I requested to be put into the system regarding this case, as well as the numerous documents I have uploaded to support my case. Initially, I had a lengthy conversation with a Capital One employee named XXXX during the recorded call that I made on XX/XX/XXXX, ( the very same day that I both booked and cancelled this reservation, once I realized this was a fraudulent company impersonating the actual XXXX XXXX XXXX official website ), I explained the entire situation to the employee and then asked her to stop/block the transaction from posting. She informed me she was not able to prevent the charge from going through I explained to her that I had multiple screenshots of the entire experience that I was able to include as documentation. She informed me that was not necessary at the time, and that Capital One would initially refund the money and contact the merchant on my behalf. On XX/XX/XXXX. Capital One made a purchase adjustment for the total amount of the purchase ( {$5400.00} ) despite my only requesting {$4400.00} ( as I had already receive a refund from the merchant in the amount of {$970.00} ). At this point, I thought everything was fine, and I was not asked to submit any supporting documentation. Then, on XX/XX/XXXX, almost an entire month later, the purchase adjustment was reversed for the duplicate refund amount ( not contesting that transaction ), and a second transaction for the amount of the remaining balance ( {$4400.00} ). Since this reversal of the purchase adjustment, I have provided Capital One with numerous documents. screen shots, emails, and various other types of evidence to support my claim. Every time Capital One rejected my claim, they would say that if I had written evidence from the merchant agreeing to refund me the entire amount, that would be sufficient ( please listen to Capital Ones recorded phone calls ). Despite me believing this was impossible, because the merchant is a fraudulent, predatory company who would never put that in writing, I was so persistent that I actually got the merchant to send this documentation. When I submitted the very documentation that Capital One had been requesting, I was told by XXXX a Fraud and Dispute Manager with Capital One, that, while they had been requesting this exact documentation, the deadline had expired and I should have submitted it by XX/XX/XXXX. So he was once again not able to help me. The date of the initial purchase in question was on XX/XX/XXXX. The date of the purchase adjustment reversal was XX/XX/XXXX. I submitted the documentation Capital One had repeatedly requested on XX/XX/XXXX. From the date of the purchase adjustment reversal on, XX/XX/XXXX, I have lost hours of sleep stressing about this situation and losing a significant amount of money. I have spent many, many hours researching, contacting the merchant myself, contacting Capital One, contacting the FTC, contacting the XXXX, contacting Georgias Attorney General, and even contacting the XXXX XXXX XXXX to inquire about my case. Capital One will admit that this merchant is not legitimate, that this transaction does not sound legitimate, that there are many cases similar to mine, but Capital One then claims that it is not considered fraud and they can not help me. They would then ask for additional documentation, provide a link for me to submit that documentation, and then deny my claim for a different reason. Capital One claims to have zero fraud liability. However, when I dealt with a fraudulent, predatory company, Capital One did not protect or even attempt to help me. Again, there is an entire department dedicated to fraud and purchase disputes, there are lawyers retained by Capital One, and I am the one spending hours upon hours of my time, with nowhere near the resources available to Capital One. Initial Transaction Specifics : Guest Reservations is a third-party booking website that then uses another third-party booking service, XXXX, to actually book the reservation. Their information showed up as " XXXX XXXX '' on my credit card. ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, the very same day that I both booked and cancelled this reservation, once I realized this was a fraudulent, predatory company impersonating the actual XXXX XXXX XXXX official website, and I was unknowingly charged almost {$2000.00} in fees. These fees were not made known until AFTER I submitted the payment. On XX/XX/XXXX, I believed I was booking a reservation on the XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX ) official website. I found a hotel room for about $ XXXX night for 7 nights ( booked for the dates of XXXX XXXX, 3 months in advance ). It was not until AFTER I had entered my credit card information, and I had submitted my payment that a surprise service fee of almost {$2000.00} appeared on the receipt. I IMMEDIATELY contacted the company and requested a cancellation stating that I refused to pay a service fee that almost equaled the cost of the entire trip. The website stated that there was NO cancellation fee, or, at most, a {$25.00} cancellation fee ( see screenshot of policy stated on their website ). It was not until I cancelled my reservation that I received the cancellation email stating that there would be a {$4600.00} cancellation fee. Total, I was charged {$5400.00} and I was refunded {$970.00} instead of the entire amount. I had immediately realized this was a scam by a fraudulent company. As I am researching this company to dispute their charges, I have discovered there are HUNDREDS of identical experiences of customers getting a scammed by this company on the XXXX website. They impersonate an official hotel companys website, apply hidden charges that are not disclosed until after the transaction, and then charge an insanely inflated cancellation fee when the customer disputes the predatory booking process used by this company. Additionally, there is and has been a class action lawsuit against XXXX for their fraudulent and predatory practices. this company impersonates a legitimate hotel website when it is not one, this company does not disclose fees until after the fact ( as is what happened when I purchased the tickets ), this company has a history of misrepresentation, hidden fees, omission of information and fees, and other fraudulent practices specifically regarding their cancellation policy ( which is also fraudulent and predatory ). I have uploaded the entire class action lawsuit against the company. There are six different counts against this company.. I booked and cancelled the reservation in the same day because I immediately realized I had been scammed and taken advantage of by this company. An undisclosed {$2000.00} service fee is unacceptable, but a {$4500.00} cancellation fee is even worse. I did receive a refund amount of {$970.00} from the merchant, so I am requesting the remaining balance of {$4400.00}.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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: Hi there, on my credit report, XXXX shows that I have an open dispute with Capital One for an account that has a XXXX balance. When I call XXXX they say that there is a flag from Capital One is why they can't remove it instantly and that they have to open a dispute in order for Capital One to remove it. Can someone please help me? I am in the closing phase of purchasing a home and this is hindering the process please.
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act this account, XXXX 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 within 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 any purposes.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A