Date Received: 2023-05-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One sent me an email on XX/XX/XXXX stated that if I applied for their XXXX credit card, I will get {$300.00} signup bonus after approved and spend {$500.00} within 3 months. So I applied and got approved on XX/XX/XXXX. I spend a total of {$610.00} by XX/XX/XXXX. But I didn't get the {$300.00} as advertized. I called, was told the bonus will appear within 2 billing cycles. But it has been more than 2 months, Capital One still didn't give me the {$300.00} sign up bonus. I called them today explained everything, but they customer service rep transfered me to another department, but I got disconnected. I called again explained the situation again, they kept giving me a run around. I spoke to a supervisor name XXXX badge # XXXX, but she wouldn't give me the real reason why I am not getting the bonus. There is no where for me to turn to, signed up and pent {$610.00} on the credit card because of the ad they sent me. Now they are not give out the bonus as advertized. Capital One misled me.
Company Response:
State: NY
Zip: XXXXX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 16 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 a account without my written instructions. ! 5 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 purpose.
Company Response:
State: DE
Zip: 199XX
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: 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: CapitalOne is allowing an unauthorized/unrecognized charge on my credit card ending in XXXX charged on XX/XX/23 for {$15.00} without explanation or ability to remove charge. Both Capital One and transaction merchant XXXX deny existence of charge and offer only solution of closing account and issuing new card with a multiple day account restriction, inaccessible funds. Asked Capital One to remove the false pending charge but they refuse to do so. Unable to dispute or remove the false unauthorized charge. Obligated to tolerate false holds and unauthorized charges on my account for multiple business days with no possibility of dispute or remedy. This is a recurring issue with Capital One.
Company Response:
State: NM
Zip: 87107
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX through XXXX : Stayed at the XXXX XXXX for XXXX nights ( XXXX night was a personal night, other XXXX nights were for a conference at a different rate so had to book the XXXX nights separately ) XXXX : Received my itemized bill from XXXX XXXX ( attached ). Included in the bill was a {$150.00} charge dated XXXX, XXXX days after I checked out. I called the hotel right away to get more information. Was told this was a charge for XXXX of the on-property restaurants. I did not eat at this restaurant or order anything from it during my stay. The hotel agreed the charge was not authorized by me, promised to refund the {$150.00}, and gave me a ticket number ( XXXX ). XXXX : Called Capital One since I had not received the refund and inquired about the dispute process. Capital One told me to wait until at least the XXXX to see if it posts and if not to call back and file the dispute. XXXX : Called Capital One back and filed the dispute as no refund had been posted. XXXX credit was promised ( which I did receive ). XXXX : Received an update from Capital One ( attached ) stating that they'd received documentation from the merchant about the transaction, would be reversing the credit, and closing my dispute. I called Capital One to get more information. Capital One provided the documentation from the merchant ( which included an itemized bill from the restaurant purchase ). From the restaurant receipt I was able to confirm the transaction was from the evening of XX/XX/XXXX, 2 days after I'd checked out of the hotel. Capital One provided a link for me to upload additional dispute documentation. I submitted a response letter ( attached ), my original receipt from XXXX Palms ( attached ), the receipt from XXXX showing the transaction was XXXX days after I'd left the hotel ( attached ), my XXXX XXXX from XXXX showing I was back in Tennessee the night of the transaction ( attached ), and a credit card statement showing where I actually ate on the XXXX ( attached ; I used my XXXX card at this restaurant, not my Capital One card, but providing as much evidence as possible in good faith ). I've also attached the receipt for uploading these documents. Later this evening I received an additional letter from Capital One ( attached ) saying they are unable to assist me with my claim and consider my case closed. At this point, frustrated with the lack of help from Capital One, I began filling out this complaint and called Capital One to try XXXX last time to get them to help me with this dispute. I spoke with XXXX who attempted to be very helpful, and was very civil and polite throughout the conversation, but ultimately was unable to resolve my dispute further. Capital One continued to request additional information from me, but there is nothing further for me to provide. I was asked to provide a " refund XXXX '' which is not something I've heard of before, let alone received from the merchant, and ( in the context of all the already-provided documentation ) is not something I believe Capital One should be demanding from me. Capital One refused to budge further ; I notified them my next step would be to file this complaint instead and go from there. I have also attached " A_Message_from_Capital_One.pdf '' which is the XXXX pages of documentation they received from XXXX XXXX and provided to me upon request today.
Company Response:
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile that was never late.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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 have been going through financial difficulties and recently lost my job as well which exacerbated my situation. I kindly contacted all of my credit cards asking for some financial releif. However Capital One refuses to work with me. The only options they are offering is to lower my monthly payments, but the XXXX causes the monthly interest to be morer than my payment so my debt will just grow. I chatted with them on their website multiple times and each time they claim they can not " confirm '' my account information and ask me to call, but when I call they bully me into paying off the amount I can not afford. I am willing to work through the whole balance, like I did with other card issuers, just at a payment plan and lower to zero interest on my current balance in order for it to be doable. I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy, but the rep on the phone did not care. I said I want to close my card but he refused saying it won't help and interest will continue to accrue. I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. I owe {$10000.00} to them and the balance keeps growing
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital 1 reported a late payment in XX/XX/2020, I've never been late on this account before or since they reported this. Acct number XXXX
Company Response:
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XXXX I added my husband to my card They sent me a card for him. In XXXX he was flagged as fraud after buying gift cards for the kids. He called the credit card company it was taken care of and XXXX of the XXXX cards went trough. The next day he went back to buy the second and sure enough was flagged again this time restricting the use of our card. He called and he told them it wasn't fraud it was him. They said it would take 5-7 business days. He called for XXXX weeks after seven days and was told its in the fraud department, they will get back to you, we know nothing about this. Talked to a supervisor and he said this isn't right can you call back in 5 days he did, Got another supervisor same story. Finally he had me call as I'm the primary. They said the same thing to me. I asked for a letter, as did he, to explain the reasons why are card is restricted, they sent us nothing. Fast forward to today, I talked to a manager he asked for a copy of my social security card, drivers license and utility bill. To prove who you are. I told them I pay the bill every month through my bank account, you sent me this card, why would you need more. Sorry, I need all three forms of proof. ( yet you can Vote without ID ) Then asked for a bank statement. Well my husband being a XXXX veteran with XXXX and former law enforcement, Had enough and said no, to all that and said to just close the dam account and never do business with capital one again. This is disgusting. They should at least of sent us letters with answers and have a place of contact at the level it was escalated to. They did nothing but say we can't help you on this level, fraud will contact you. Well fraud never contacted us, the only fraud going on here is capital one venture card. My husband has his own capital one savor card that wasn't restricted, go figure We pay our bills every month and what they are doing is criminal as far as we are concerned.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have lost my wallet back in XXXX, XXXX, XXXX reported to The police ever since, I have been having all these issues with Identity theft. Account info Account name XXXX XXXX XXXX Account number XXXX capital one
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a savings account last XXXX, responding to an offer for a {$150.00} bonus if I kept {$20000.00} in the account for 90 days, which I did. Capital One did not pay the bonus, citing fine print that said the period was really 105 days rather than 90. A previous complaint to the CFPB resulted in a letter from Capital One that did not address the issue, i.e. that there was clear language in the offer saying 90 days. I tried repeatedly calling the follow-up number provided in the letter to talk to someone named XXXX who apparently does not exist. I left several messages, none of which were returned. Not paying this bonus is a clear violation of contract law and false advertising statute. I will pursue in court if it is not paid.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A