Date Received: 2023-05-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One wrongfully closed a credit card account in my name, ending in XXXX, under pretended concerns about fraud. They disregarded all of my efforts to remedy the situation. On XX/XX/XXXX I attempted to buy a plane ticket originating in a foreign country. Capital One flagged this transaction as possibly fraudulent and sent me an email asking if I recognized the purchase. I responded that I did. In the past that had always been sufficient to get my card re-activated. On XX/XX/2022 they sent me an email asking me to call them to resolve the issue. I was traveling and didn't call them until XX/XX/XXXX. After the call on XX/XX/XXXX they sent me a link to upload documents but I was unable to get it to work ( I later discovered entirely on my own that their upload link frequently does not work with the XXXX XXXX. ) On XX/XX/XXXX they sent me a letter saying they would close my account within 45 days if I did not provide additional information. On XX/XX/XXXX I called them ( call duration XXXX minutes ) and again on XX/XX/XXXX ( XXXX minutes call duration ) to figure out how to upload the documents they requested. At this point they asked for " Federal or State Issued ID '' ( copy of email preserved ) and I uploaded a copy of my passport. On XX/XX/XXXX I called them to find out the status of my card ( call duration XXXX minutes ). The agent falsely claimed that I had to upload only a state ID ( not Federal ) and my account had not been reopened because of this purported failure on my part. They emailed me another link and I uploaded an image of my New Jersey driver 's license. On XX/XX/XXXX Capital One sent me a letter saying they had closed my account " because we still haven't been able to get that information from you. '' At this point I had uploaded both my passport and driver 's license and had talked to them at a minimum for XXXX minutes trying to " get that information. '' On XX/XX/XXXX I called to try to resolve the closure ( call duration XXXX minutes ). At this point they said that in order to get the account re-opened I would have to either fax or mail a photocopy of my NJ driver 's license. On XX/XX/XXXX I faxed a copy of the DL and mailed it as well. On XX/XX/XXXX ( call duration XXXX minutes ) I followed up and the agent said my fax wasn't acceptable because it was " too blurry, '' although of course they never sent me a copy of my " blurry '' fax or even explained what possible legitimate concerns they could have about my identity at this point. My mailed copy of my driver 's license was lost without a trace. After the XX/XX/XXXX call I was sent yet another link to upload documents and told to follow up within 10 days. On XX/XX/XXXX I called to follow up ( call duration XXXX hour XXXX minutes ) and was told my account was closed and there was nothing anyone could do to fix it. Capital One, through reckless indifference, incompetence or desire to deprive me of benefits, wrongly closed my account and in so doing stole, on information and belief, approximately XXXX miles associated with the account. Proper restitution would be for Capital One to, at a minimum, reinstate my account and miles balance.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Pleasesend me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i have had my personal information stolen and multiple accounts were open under my name and those accounts have defaulted cause they were not mine and with my credit being stolen it has created the issue with not being able to buy a house
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or about XX/XX/2023 contacted XXXX XXXXXXXX XXXX re a XXXX settlement of a XXXX balance on a BJs my perks CC. XXXX accepted the funds, paid by a bill pay check that cleared in XX/XX/2023. Thereafter, the account was still open and then became delinquent. I contacted XXXX on around XX/XX/2023 for an update as to why the account was still open. I kept paying on the account so as to not ding my credit. Sometime thereafter the account was transferred to Capital One. I was contacted Capital One [ XX/XX/2023 ] ( the successor ), and they stated that based on the information they received from XXXX, they will not honor the settlement. They further instructed me to contact XXXX. I did. XXXX told me to do a credit dispute with Capital One and that the account was indeed settled. My credit has taken a ding and I am out of nearly $ XXXX with this settlement.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FCRA you are in violation. Capital one XXXX Account ending in XXXX 12 CFR 1026.11 - Treatment of credit balances ; account termination. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I paid my capital one car off in full on XX/XX/2023, which is before the due date. However, I was charged an additional interest of {$79.00}. I was told by the agent that this is interest accumulated over several months. Each month my statement showed I was already charged a lot of interest. I feel this is unfair to me and the credit card company is trying to get more money from their customers.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: I would like to see them return my money and and pay off my car for asking for a down payment of XXXX and pressuring me to buy an extended warranty for XXXX. So a car that started off at XXXX ends up costing XXXX Which the car isnt even worth that much. As a woman I felt like I was being taken advantage of.
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got a capital one quicksilver card at the beginning of XXXX, as a student. My initial credit limit when getting the card was {$300.00} although I immediately requested a credit line increase. I knew right away that $ XXXXper month would not support my lifestyle. However, as I reached my credit limit I would make payments, often many times within one month/billing cycle. As I made payments consistently, I requested another credit line increase, a couple weeks after getting the card. I was told I would have to wait 4-6 months before receiving a credit increase, although I proved that I could consistently pay my balance and on time. Since getting my card in XXXX, my account has been restricted 3 times, apparently due to the amount of payments Ive been making. The first time it was restricted I got an email. However, the second time it was restricted I made a payment, capital one processed my payment, but never extended me credit. They also did not notify me that my account was restricted, so I was waiting weeks for my credit to be restored. When I called, they informed me that when my account is restricted I would know but I did in fact not know until the representative told me after I called them. The third time, a few days ago, I called to unfreeze my account but they needed to contact my bank, which had already closed. I went 3 days without access to my card because I was never available to call capital one at the same time my bank was open. I was told that my account keeps getting restricted because I make too many payments within one billing cycle, but I need to spend more than {$300.00} in one cycle. I requested a credit increase right away and after some time, but they denied me. I was out of the country when my card was restricted 2 out of the 3 times and was unable to make calls from my personal phone. Capital one does not have an email to contact, which made communication about this very difficult and inconvenient.
Company Response:
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A