Date Received: 2023-05-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a BJ 's Mastercard issued by Comenty Bank. In XXXX BJ 's changed to XXXX XXXX Mastercard. In XXXX billing I paid {$3000.00} on a bill of {$5000.00}. I was charged {$70.00} interest. I paid that interest in the next month billing and I paid the entire amount. The bank charged {$92.00} on a fully paid bill. The next month I once again paid the entire amount and was charged {$110.00} interest on a fully paid bill. I called customer service 3 times. The first time the representative stated I had fallen " out of grace '' with a partial payment and it takes 4 consecutive months of full payment to regain status. I sent a message to the bank and got back twice to please call customer service. Each time I called I got a word salad from a badly speaking English rep. I got no further response and when the new card and new bank was issued I was cut out of their website. I would like to get the interest, which I paid, returned on bills that I fully paid.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This letter is to inform you of deceptive business practices and the lack of disclosure of Capital One credit card services. In XXXX of XXXX my daughter had been involved in a horrific car accident and my life fell into a spiral. At that time, I fell behind in my credit card payments. In XXXX of XXXX, I began catching up with my life and I entered a payment plan with Capital One to catch up my credit card payments. I was to pay {$100.00} to get my account back into good standings. I made the first payment XXXX XXXX XXXX When I made the second payment in XX/XX/XXXX, I contacted card holder services to ask why my card was not working still and I was informed that when I made the third consecutive payments my card would be unrestricted and if I needed to make my payments on the XXXX of the month as well as I had never received any disclosures or information on the plan I entered into on XX/XX/XXXX. I was informed that all I needed to make was the {$100.00} payment on the payment plan. I was never advised that the payments I was making would not go towards the three consecutive payments. I was informed today when I called in XXXX that I was enrolled in another plan to take off the restrictions to my account and that the disclosures were read to me. This may be true that the disclosure was read to me, BUT I was NOT advised this was a different plan to take off the restrictions. I was advised that once I completed my monthly payment plan, I would be unrestricted as my account would be current. How was I to know there were two different plans I was enrolled in when I was never provided disclosures? I was not provided by email, in my online account, or via USPS. I paid both my second and third payment and to my dismay my card is still restricted. I made a call to Capital One this morning and was advised that I needed to make three ADDITIONAL consecutive payments to get my card to an unrestricted. Again, how am I to know there are two different plans I was enrolled in if I had not been provided any disclosures. Not only is my card still restricted, but they have not been applying my payments to my monthly payments and have been reporting me to the collection bureaus as late. This is unacceptable since I was informed that the payments I was making would go towards my monthly payments. This needs to be addressed as well. I feel the lack of training of the customer service agents and a defective system for providing disclosures have compounded these issues. Disclosures are absolutely necessary in any financial transaction, including credit card transactions. I would appreciate if you could kindly investigate these issues so that no other consumer has to spend several hours banging their heads against the wall trying to figure out what is going on and having their credit damaged because the customer service agent is ill informed.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Today XX/XX/XXXX, I made a payment on my CAPITAL ONE credit card for {$200.00}. Unfortunately, I made the payment a few hours after XXXX. But, of course, CAPITAL ONE had already put a fee of {$38.00}. I told myself I would call and request if it were possible to waive the fees ; I had only a few hours late. What a surprise when the customer service representative told me there was no reason for waiving the fees. I explained that CAPITAL ONE had already increased, not my limit, but my interest at 27.74 % interests, that's already a lot. I explained that I had personal issues because 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After that event, for more than three months, I stayed inside my home and did not go outside, creating a budget problem. And created some difficulties financially, but now it is behind me, and that's why I made a {$200.00} payment, and if they can waive the {$38.00} late fee, that will help me. She refused, and she offered to subscribe to AUTOPAY instead. Unfortunately, it was not the best moment to offer me such an opportunity. Therefore, I requested to speak with her supervisor. I waited 10 minutes on hold when the Rep explained everything to the supervisor before transferring my call. I spoke with XXXX # XXXX, and right after saying hello, she cut me and told me that it would be impossible to waive the fees because I was really late. I explained the situation, but for 30 minutes, she did not do anything ; at one point, I told her that she cut me all the time when I was talking, she was insulted, and, of course, when I finished talking for the rest of the call, she let a long silence before she starts talking with " Can I talk now ''. She's a supervisor. At another moment, She told me that she would end that call, even if I said that I was not done ; she answered, " Oh no problem, we can take the entire afternoon if I want because I got paid every hour that I am working. '' she is a supervisor. After telling her what I went through, she told me that she gets paid for every hours of work she's doing. It was irrelevant ; she did this because she was still insulted. After all, I asked her not to cut me. I was so frustrated with arguing for {$38.00} that I said well, keep it my {$38.00} for a few hours late, and I will have another {$45.00} in interest in a few days. I also told her that on XX/XX/XXXX and XX/XX/XXXX, CAPITAL ONE reported at all credit bureaus twice 30-day late, my first two late notes since the opening of my account in XX/XX/XXXX. The XXXX report shows that the past due amount that created the 30-day late was for XX/XX/XXXX, {$59.00}, and on XX/XX/XXXX, {$10.00}. I wanted to explain how come it is possible that for a {$10.00} payment, I got a note 30-day late that hurt quite a lot my credit score. She did not comment and told me that if there were nothing else she could help with, we would end our call. I can not believe this service ; maybe it is because I have an accent ; who knows?
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 Capital One Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of Capital One, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that Capital One promptly investigate and remove this inquiry from my credit report. Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. I kindly request that Capital One promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. Yours sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXXXXXX account XXXX XXXXXXXX XXXX violated my right. 15 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. 15 US 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One/Neiman Marcus XXXX XXXX XXXX , which has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 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. Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX - {$1.00} & {$290.00} XX/XX/2023 XXXX XXXX XXXX - {$200.00} I called the bank to let them know this man had asked me to XXXX XXXX for deposit and pro-rated rent. As I explained to my bank this man is a fraud and has pretty much hacked me but they said they could not do anything about it. I was asking they get my money back but they said they could not.
Company Response:
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I entered into settlement agreement with XXXX XXXX on behalf of Capital One and overpaid by {$750.00}. I have provided documentation for months from myself and an attorney. They are still returning. to refund the {$750.00}.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Saks Off Fifth is reporting fraudulent charges on my credit account. The fraudulent charges in question were reported to the XXXX and as a result the charges were refunded. As of today, the fraudulent charges have now been reversed and SAKS is now reporting my account being over the credit limit I have been extended by their company. I ask that you intervene and remedy this erroneous, fraudulent and defamatory information from my credit account. I am putting you on notice that if this matter is not corrected in the next fifteen ( 15 ) days, I will be for to seek damages. Saks blames Capital One and vice versa. I dont have the patience to fight with both companies. So, I am leaving it in the hands of the CFBP.
Company Response:
State: MI
Zip: 48210
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
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. 15 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. 15 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: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A