Date Received: 2023-12-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/ 2023, I used my XXXX XXXX XXXX credit card to do a Balance Transfer to my existing high interest Capital One Venture Card. My husband did the same That transfer of about {$40000.00} went out of our XXXX XXXX account but it is still not showing up on Capital One account and now they have locked us out of the Capital One Account and frozen our rewards miles because they allege that there is some fraud lock out. They state that the only way to resolve this would be to send our Credit Card statement from XXXX XXXX to them. However, there is no credit card statement available since it is only 2 days since that account was activated. If we have to wait one more month to send the credit card statement, they will charge me interest at 24 % for the existing balance of XXXX. They are holding my funds from XXXX XXXXXXXX XXXX and at the same time charging me interest. Can you please help. We have paid XXXX XXXX a balance transfer fee of close to {$2500.00} ( Which by itself should not be charged ) and now we are paying a daily interest at 24 % for {$40000.00}. Can you please resolve this matter immediately. We are poor self-employed individuals who used the credit card during the XXXX season for purchases and now we are being penalized by the big banks.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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, at XXXXXXXX XXXX, I received a text alert from Capital One, notifying me of a declined transaction at XXXX XXXX for {$8400.00}. Quickly afterwards, I clicked on the link provided on my text message which prompted me to login into my Capital One account on the app, which showed the declined transaction to XXXX and also an unauthorized pending transaction of {$14000.00} at the XXXX store in XXXX XXXX, CA, on my Quicksilver card. Promptly, at XXXXXXXX XXXX on the same day, I reported both transactions as fraudulent by calling Capital One at XXXX. I emphasized my non-involvement, stating that I was physically in XXXX XXXXXXXX, NV, at the time of the purchases. Capital One acknowledged the fraud, assuring a full credit of {$14000.00}, and issued an official letter on XX/XX/, outlining corrective actions, including the dispatch of a new card. Unexpectedly, on XX/XX/, I received another letter from Capital One, indicating a lack of sufficient evidence and an impending offset adjustment charging me the full {$14000.00}. At XXXXXXXX XXXX on the same day, I called Capital One to dispute this decision, reiterating my physical absence during the XXXX XXXX transaction. Capital One maintained their stance, citing the physical swiping of the card as evidence against fraud. I believe they did not do a thorough investigation into this fraudulent crime that targeted me. Capital One did not check my geolocation at the time I opened the app via the link I received from the text message of the declined transaction on XX/XX/. This would have shown that I checked the app of this fraudulent transaction in XXXX XXXXXXXX, NV and I would not have been in CA to make this charge. In response, at XXXX XXXX on XX/XX/, I contacted XXXX to report fraud and initiate a case. Simultaneously, I called the XXXX XXXX in XXXX XXXX, CA, at XXXXXXXX XXXX, reporting the fraud and leaving my contact information for the manager. On XXXX XXXX, I filed a FBI case online of the fraud. Attached is the report file. Taking further action, on XX/XX/, I filed an official police report at my local station. I provided evidence of paper receipts to show the date, location, and timestamp of where I was on the day of the fraudulent actions, along with this, I provided the physical credit card that was charged. I had cut up the credit card that was supposedly charged on XX/XX/ as it was my possession. The police assured me that they would forward the report to the XXXX XXXX, CA, local police office for additional investigation. Despite receiving a letter on XX/XX/, from Capital One stating the case was resolved and I wasn't held responsible, the {$14000.00} charge persisted on my credit card balance. On XX/XX/, I called Capital One again, requesting a reopening of the case, as the previous resolution was not satisfactory. I emphasized the inaccuracies in the letter received on XX/XX/XXXX. I stated that at the time of the transaction on XX/XX/ that occurred in XXXX XXXX, CA, I was physically in Nevada and had possession of the card. Capitol One representative stated that as the card was in my possession at the time, I would be held responsible. I gave them evidence of receipts from local stores to show the date and timestamps of where I was in Nevada on the day of the fraudulent purchase on my Quicksilver card. They did not look further into this. As of XXXXXXXX XXXX, my credit score has dropped over XXXX points due to this fraudulent action.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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 account under an open end consumer credit plan as late for any purpose
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank USA NA, XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorized Capital One to perform an hard inquiry on my report, if someone try to open a capital one account, please shut down any transaction of decline the credit card. I did not apply for capital one under my name. Please take action and prevent any abuse on my record. Account was reported on XX/XX/ for a hard inquiry. Please investigate this and stop any capital one application.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Unable to convert/transfer my capital one venture X miles to an airline - loyalty program. Every time I attempted to transfer, it brought me to a verification page which is impossible to get verified. Have been calling and spoken to multiple customer services but unable to resolve the issue.
Company Response:
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: After disputing these fraudulent accounts with Capital One, Capital One Financing Corp has Account numbers XXXX | XXXX that is reporting to my account " XXXX XXXX XXXX ''. After contacting the Capital One Fraud Department, I was informed that this " company " refused '' to remove the " fraudulent account '' associated with my account. Based on the correspondence from Capital One fraud department ( letters attached ), each fraud case was closed for " lack of information '' disregarding faxed FTC letters and FTC reports submitted. As I stated in my previous claims, Capital One Financing Corp and it's third-party debt collecting affiliates are in violation of : 15 USC 6802 : Companies, corporations, CRA 's , etc need written instruction to make a consumer report by the consumer. Without written instruction this " company '' has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law, Capital One Financing Corp has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed must be DELETED.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2023 the amount {$250.00} was deducted from my XXXX XXXX checking account without my approval. This deduction caused my payment to my account at XXXX XXXX to be declined and subsequently my credit score dropped from a XXXX to a XXXX. Even though I have over draft protection on my account the charge was still declined. Corresponding with XXXX XXXX complaint # XXXX requested a letter from XXXX XXXX XXXX stating the error and XXXX would resend the Late payment from the XXXX credit reporting companies to restore my good credit. The problem is XXXX XXXX will not issue the letter even though they admit to the unauthorized deduction that Caused the initial problem
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: company are checking my credit more than once that i have allowed them only once and now its affecting how i am trying to work with my credit and giving my kids a chance to have a better future
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i requested an increase on my kohls credit card through the website and was called days later to verify i requested an increase, i informed them that i had requested an increase, at this time i had requested an increase at least 7 times prior and have never had a hard pull on my credit. within 5 minutes of getting off the phone with the rep i get a notification on my phone that kohls has gotten a copy of my credit report. i then call back and ask them why there was a hard pull and why would they not disclose to me that there would be a hard pull before my credit was run and they state to me that they never disclose if its a soft pull or a hard pull. at no time did i agree to have a hard pull as the previous times there was never a hard pull its always been soft, at this point i was sent to the credit department and they explained to me that there was nothing they could do
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A