Date Received: 2023-05-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. Case Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. Issues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. Lack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. Absence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. Resolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. System Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. Fair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.
Company Response:
State: FL
Zip: 330XX
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 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 recently tried to purchase my firs-time home buyer and I came across my credit report and I realized that I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report it is a defamation to my character.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received another bogus letter from Captial One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX dated XX/XX/XXXX I called XX/XX/XXXX at XXXX the phone number and spoke to a representative named XXXX that could not reference the letter without my full ss # and never asked for the account no. there is no way anyone should give an ignorant person there full ss # or any other personal information, if they don't how to access an account by name or account no. who has to be a fool. Dear XXXX XXXX We need to verify some additional information on your account that was opened on XX/XX/XXXX to help keep you account safe and any authorized Users won't be able to make transactions using any credit card issued under the account until you contact us. Please call our Fraud Department at XXXX anytime, seven days a week, to verify your information. if you have already spoken with us and your case has been resolved, you can ignore this letter and there's no need to call us back. Sincerely, Captial One Customer Care Team
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1300.00} CAPITAL ONE XX/XX/XXXX Balance {$310.00} XXXX XXXXXX/XX/XXXX XXXX : {$2400.00} XXXX XX/XX/XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$530.00}
Company Response:
State: CA
Zip: 90605
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 with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023, I received a phone call from someone claiming to be a XXXX representative offering to save me money on my bill. The individual gave me a number to call which had prompts to follow. I did so and was connected with another individual who sounded like a legitimate XXXX representative because he had information about my account. He indicated that in order reduce my bill, I would need to purchase XXXX gift cards and pre-pay 2 months in advance. I did as he instructed and was unfortunately scammed out of {$400.00} in XXXX gift cards. I paid for same with my Capital One XXXX credit card. I contacted both XXXX and XXXX immediately thereafter. The funds had already been disbursed from the gift cards. XXXX refused to refund the money. XXXX has also refused to reimburse the funds claiming that since I was an authorized user, they are not responsible for this type of fraud protection. On XX/XX/2023, I filed an incident report with XXXX XXXX Police Department.
Company Response:
State: NJ
Zip: 08053
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Company Response:
State: DE
Zip: XXXXX
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: - Capital One Bank has improperly and illegally applied a purchase adjustment to my account for {$11.00} - In late XXXX, I filed a dispute with Capital One for the amount of {$29.00} for an item that was bought from a Merchant ( XXXX ). Capital One later improperly filed a dispute for the full purchase amount of {$110.00}, although I never disputed that amount. After several calls, I spoke to someone at Capital One who was able to correct this gross incompetence and they later did a purchase adjustment of {$83.00}. Essentially {$83.00} plus {$29.00} = {$110.00}. - On XX/XX/XXXX, Capital One made a purchase adjustment of {$11.00} on my account which is illegal. - On XX/XX/XXXX, I received a refund of {$11.00} from XXXX, which was for a different item that was returned to them. Within the {$110.00} purchase that was made from XXXX on XX/XX/XXXX, I made a return for an item for {$11.00}. The merchant received that item and gave me a refund. - Capital One is improperly doing a purchase adjustment for {$11.00}, although I never disputed {$11.00} with them. My dispute was for {$29.00}, which they did incorrectly ( by crediting a total of {$110.00} ), and later corrected by doing a purchase adjustment for {$83.00}. - Unfortunately, they are not understanding that my purchase for {$110.00} included several items. One of these items was refunded by the merchant ( for {$11.00} ) ; I never disputed that item with Capital One, and never received a credit for that item at any point from Capital One. So, Capital One, has no business doing a purchase adjustment for this. It is a shame that a financial company is making these errors which reflects a high level of incompetence which should not be tolerated. Capital One needs to apply a credit of {$11.00} to my account because it is for their incompetence and lack of care in improperly doing a purchase adjustment which should never have been done in the first place.
Company Response:
State: NY
Zip: 11233
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 with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has place derogatory account reporting on my credit profile from XXXX XXXX Bank Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX XXXX XXXX account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting
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: 2023-05-23
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 have disputed late payments on this open account with the three bureaus several times, and these accounts have not been updated to good standing. I have explained to them that some of the late payments information is inaccurate, also that I had a slip and fall on XX/XX/2017, which I already provided proof for, and wasn't able to work so I fell back on my bills, and I've been able to pay on this account for the past few years on time when I was able, but they just updated the account instead of putting the account in good standing -XXXX XXXX Account XXXX XXXX
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A