Date Received: 2023-05-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am a victim of identity theft and XXXX and XXXX 's data breach, and was not notified by XXXX and XXXX 's of data breach breach and discovered on my own. I reached out to XXXX and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've had a Capital One account for over 10 years without ever having a late payment. The account was on autopay, there was an error on the autopayment. They were supposed to re-run it and customer service told me they did not. I received no notification that the payment was unsuccessful until I was reported 30 days late. I have no late payments on my credit files whatsoever. I am currently in the middle of purchasing a home and this dropped my credit score b y 77 points making me unable to secure the loan. I will lose my new house because of it. I called Customer Service and was unable to obtain any answers, fixes etc and I need this error and credit report fixed immediately or I will lose the home.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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: On XX/XX/2022 I purchased a program that was supposed to be mortgage leads, and it ended up being a scam so I disputed it. Capital one and XXXX had miscommunication and XXXX wired the money to the middleman company called XXXX XXXX XXXX has banned the gentleman who was scamming people, yet still has my money even though they say they do not have my money one minute and do the next. Both companies are claiming they don't have the money and this was a clear scam and now seems one of the companies are committing fraud or lost the funds. We were told I was getting the refund multiple times and never has happen. The last straw was XX/XX/XXXX when they said I would get my refund, and I somehow had my account " blocked '' that day ... ..This is an absolute mess and I have been paying interest on this charge since XXXX. I am extremely strict with my finances and have never not made my full payment, and this is one costing me money each month in interest, and reporting on my credit. PLEASE help me!!!!! Something is going so wrong and its been 10 months.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 used my CapitalOne credit card to pay for a service from XXXX. XXXX never completed their end of the agreement and I spent months trying to work with them and ended up never getting a response. Since they refused to refund me the money, I called CapitalOne to explain the situation and dispute the charges. After sending in documentation that showed the company was unresponsive, CapitalOne reversed the charge on my account, only to reverse it again and tell me the charges were valid. The initial charges were on XX/XX/2021 for {$470.00}, {$1000.00}, {$150.00} and another charge on XX/XX/2021 for {$100.00} bringing the total to {$1800.00}
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a Simply checking account with Capital One, and I disputed transactions that a company I have never used, The bank credited my account back with the dollar amount, and a few days later my account was in a negative status. I spoke with an agent at the bank and I was told the funds were taken back because the company showed proof that I authorized the transaction. I was never notified of the reverse, nor was I asked for any documents or proof that I have never used the company 's establishment. A week later my account was closed, Spoke with the agent asking how can we resolve this issue. I was told we can't and I do not owe anything. I went to XXXX XXXX to open a bank account, and I was declined, reason because I have a negative red flag on me because of the closed account with the bank mentioned above.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/2023 : Applied to have credit limit increased. XX/XX/2023 : received a denial letter due to pending legal action however there are no legal actions pending, no previous legal actions, none reported by any of the credit bureaus.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: THERE ARE NO VALID REASONS FOR THEM TO SEND ME A CREDIT CARD THEN TELL ME THEY NEED ADDTIONAL INFORMATION ON AN ACCOUNT THAT I HAVE MADE NO PURCHASES ON SINCE I HAVE RECEIVED IT THERE ARE NO FRAUD JUST THERE CONSISTENT EFFORTS TO MAKE MISTAKES REFERENCE CAPTIAL ON LETTER DATED XX/XX/2023 CALL THERE FRAUD DEPARTMENT AT XXXX ANYTIME SEVEN DAYS A WEEK
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit profile currently showing incorrect information showing I have credit inquiries. Which I have not made
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt. Medical debt is not allowed to be reported until its more than a year past due however XXXX continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Capitol One and XXXX XXXX I have filed numerous XXXX XXXX XXXX complaints against XXXX but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Today I spoke with two Capital One customer services representatives ( CSR ) to discuss the waiving of the annual fee for the above-captioned. I was advised that this was possible however, I was recommended to pay the fee as the credit would not apply to the current XX/XX/XXXX statement. After recommending this several times, I asked the first CSR directly that, should I not pay the {$59.00} fee, would Capital One charge me interest and or fees. This was confirmed. I explained that I had no intention of paying and asked whether my failure to do so would result in this being reporting to any credit rating agency. The CSR responded of course Capital One reports everything the credit agencies. I then advised that I wished to cancel my account and that I needed confirmation that I would not be charged interest and/or fees for not paying my annual fee. My reasoning how could Capital One charge interest or fees for an annual fee on a canceled account as it could not be entitled to the fee therefore it would not be entitled to interest and/or fees resulting from non-payment? I was then transferred to a supervisor who advised that there was no way to waive any interest or fees should I not pay the annual fee. I explained to the supervisor that I had called Capital One in XXXX when I was advised on my XXXX statement that the fee would be charged in XXXX. I was told that Capital One could not honor my request at that time as the annual fee had not been charged yet and to call back in XXXX when the statement with the fee was issued. Once I realized that Capital One had manipulated my efforts to waive the fee in XXXX so that it could charge me the annual fee in XXXX and then impose charges should I not pay it, I reiterated my desire to cancel my account. The supervisor advised that I would have to agree to a disclosure statement in order for the account to be canceled. I advised that I had no intention of agreeing to a disclosure from Capital One given the deceptive practices it had engaged in with regards to my request. I then confirmed with the supervisor that the call was being recorded. I reiterated my desire to cancel the account and that, considering the circumstances, I would not agree to Capital Ones terms and conditions. The supervisor advised there was no one else that could assist with my request. She advised that the account will not be canceled despite my multiple requests. Capital One was aware in XXXX of this year and at all times prior that it would penalize customers who requested a waiver of the annual fee in the month prior to it appearing on a monthly statement should it not be paid I the month it was billed. It is aware that it is not entitled to a fee on an account for an canceled account. It continues to refuse to cancel an account so that it may impose such interest and fees for its own enrichment. This is a deceptive practice. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111203, title VII, 124 Stat. 1376 ( 2010 ), SEC. 753. Anti-Manipulation Authority. ( a ) Prohibition Regarding Manipulation and False Information, Capital Ones actions are illegal. I made several requests to cancel my account today with no action taken by Capital One. I am reiterating my desire to do so as of the date of this complaint. I also request confirmation from Capital One any of it affiliated companies and/or third party partners, that it will not impose any interest, fees or other charges resulting from the unpaid annual fee and, confirmation that no report will be made to any credit agency regarding my failure to pay the annual fee.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A