Date Received: 2023-05-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I am writing to file a formal complaint against Capital One for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. On XXXX, I sent a dispute letter to Capital One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. In my initial communication, I clearly articulated my concerns and requested that Capital One rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer rights and privacy. I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Capital One is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. I am seeking your assistance in resolving this matter and ensuring that [ Credit Card Company Name ] fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Capital One and any subsequent communication or lack thereof. I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have almost four years of Capital One membership, and during that time I have never missed a payment and have always paid the whole amount due. Capital One recently terminated my account without giving me any prior warning, and when they did, they reported the existing balance I had at the time to the credit bureaus. I have a credit score in the XXXX, and this caused it to plummet by about XXXX points. I called Capital One and requested that they make an update to my credit records to reflect that I currently have no debt. I explained that my unexpected decline in score may result in me losing my mortgage. They declined. I had only recently qualified for a mortgage. Section 623 of The Fair Credit Reporting Act, 15 U.S.Code 1681s2. Requires data furnishers to report accurate information and update inaccurate information if notified. It is the responsiblity of the data furnisher to update accounts after being notified of a inaccuracy and report financial information appropriately. You have been informed that the account is reporting inaccurate information and that you are breaking the law if you continue to do so. I am a litigious consumer. My ability to obtain loans, mortgages, housing opportunities, and employment offers that are firm may be affected by your reporting. If you don't change this to reflect my actual creditworthiness, i will pursue legal action.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX an authorized card holder for my account attempted to make a payment in the amount of {$2000.00}. The card was declined with the code " insufficient funds '' while I had more than $ XXXX in available credit. The card holder called in, and had a very poor experience with customer support. They made her reveal personal information about herself like her name, email, dob, last four of social, full card number, etc. After doing this they told her they need to speak to the primary card holder and it can't be helped. I then proceeded to speak to the gentleman who did not care at all that we have been customers with both personal and business credit since XXXX. He then required me to verify name, email, dob, last four of social, card number, etc. After this he then forced me to send my actual drivers license to the business. I asked to speak to a manager, after which I was required to send my drivers license a second time. After that, I was forced to provide every intrusive PII detail about myself, my business, and every card holder. This included ever phone number, email, address, and PII for all cardholders. Every data point on the account. The process took over 30 minutes. After this, the transaction was still declined with Capital One on the line. This took 56 minutes in all and three failed charges for them to authorize me to use my own card. This is the third time they have caused these issues in the last 6 weeks over my personal and business accounts. I raised the issue and they said that I need to get used to it. In order to decrease their risk they have become out of control in how they treat customers. I asked them to whitelist my accounts for future issues and they told me they will not do that and there was no other manager I could speak to, and refused to transfer me to anyone but the call center supervisor I was speaking to. I have done hundreds of thousands of dollars worth of business with Capital One. It doesn't matter, no customer is safe.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was offered a credit card by CapitalOne/Bjs via mail, I applied and my applications was denied because the company said " Based on your application information, income is insufficient for amount of credit request '' But I didn't apply for a specific amount of credit. Also, my household annual income is more than XXXX XXXX/year, so I'm not sure what was the real reason for denying my application since my income would be sufficient for a regular credit card with a usual credit amount for a consumer like myself.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: COAF did not have my express verbal or written permission to access my credit profile
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
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 had a Capital One Credit Card and I wasnt able to make the payments at the time. When I tried making the payments, Capital One decided to close my account. This led to my credit score dropping very bad
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. I do have a police report with identity theft on those credit card, as proof. I need you help on this matter please. XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
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 started noticing that planet fitness is charging extra fee from my XXXX card on autopayments. I talked to them and the bank to return my money. The bank returned my money once and charged back. It's happening every month and I requested the bank Capital one to block this vendor as the gym is not listening to my request and they are charging over charges despite of several contacts. The bank is not blocking the vendor. I changed the credit card even then the amount was charged again. I want all my money back and the bank should stop harassing me.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My interest for XXXX was XXXX I was still on a hardship program and I was taken off in XXXX. After that my next bill for may was XXXX dollars minimum payment with the interest still the same when I was taken off the hardship. Now I know interest rates went up but tell me why for XXXX my interest is XXXX Why would it jump that high that doesnt even make any kind of sense. Now they tell me after the hardship program that they put interest from that then put XXXX dollars for something else honestly it does not make sense and confusing. To me it just looks like Im being cheated. Ive spoke to them so many times and they give me the same XXXX answers Ive went to news stations lawyers and still nothing works. I go to capital one they dont help you at all they just never answer you back or they have another excuse. XXXX so sick of them I hope they all go to XXXX because theyre sure making my life a living XXXX try to anyway. This time if they get someone to supposedly help me dont waste my time actually help me or dont even bother contacting me! I want answers I want direct answers! I want transparency about this bill. I dont want to hear any more lies!!!!!! oooh and another thing they stated I was late with the payments thats a lie I was on the hardship program how can you say I was late and Im on a plan?
Company Response:
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My name is XXXX and I became a victim of scammers. In my name, a Capital One bank credit card was opened. This card was opened in XX/XX/2022 with a limit of {$500.00}, while {$740.00} was used on it. I have two cards, one debit card and the other security deposit bank XXXX XXXX XXXXXXXX. I no longer applied to any banks to open credit cards. Also, I did not receive this credit card or letters in the mail, and nothing came to the e-mail.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A