Date Received: 2023-05-17
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 XXXX we ordered cbd dummies for {$49.00}. They sent us four bottles for {$110.00}. We returned all bottles unopened within 30 day allotment time. We filed complaint with Capital one they removed charges. We sent them proof of return to their link. Then they re-charged us saying we had exceeded 60 day reply. the items were returned on. the XXXX of XXXX We want the charges removed from our account. WE also talked to the vendor and they told us once there was a dispute they closed our account
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX, I reported a fraudulent application was submitted in my name to Capitol One and is reporting on my credit. They initiated an investigation at that time. Finally on XX/XX/XXXX, after I'd initiated several calls to inquire about the status of their findings, Capitol One confirmed via phone they'd learned of the status 3 days after I'd reported it failing to send any written communication. This is unacceptable. I am demanding a general letter from them confirming the application was indeed fraudulent as they failed to communicate a timely status of their findings and that I did report this to them. They are refusing to provide a general and formal letter confirming the application was fraudulent and they have closed their investigation. I am demanding they provide such general written communication in order to file an accurate police report with my local police department. They have 7 days to provide me with the written communication and I would like to know what my rights are if they continue to refuse.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing this letter in regards to the Capital One # XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by Capital One for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by Capital One for # XXXX and if you can not furnish an original agreement, please permanently remove this account from my XXXX credit file as there is no proof that legally I signed an agreement with Capital One.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Our father was diagnosed with XXXX XXXX XXXX XXXX in XXXX of 2023. His doctors gave him XXXX weeks life expectancy which he die on XX/XX/2023. We were fortunate that he was able to get his estate documents in order with in that short time period. He changed his Capitol One account to a trust account and put myself and my brother on the account as trustees. Currently I am not on the account bc I was tied up tending to our father in his last few days and missed the window to sign the acknowledgements. My Brother did sign them and he is on the account as a trustee. He have been told by Capitol one employees he was put on after he passed but if you look at the dates in your system you will see it was approved prior to him passing but by the time you finalized everything it was after he had passed. We sold his house on XX/XX/2023 and wired the funds in to the trust account. When my brother went to the branch on XX/XX/2023 to pull out some of the funds to disperse them per our fathers wishes he was told Capitol One was ending the banking relationship with me and would not be dispersing any funds due to an internal investigation. he was not told why there was an investigation, a time frame, why his personal accounts had been closed or why the trust accounts was frozen. He spoke to employee today in your Customer Protection department and she told me that due to me using my fathers online login for his accounts it triggered a Fraud alert. We had to use my father login because the trust account never populated with in our personal login as he was told by multiple Capitol One Employees and no one seemed to know why. XX/XX/2023 he finally got ahold of some one that was able to help me merge the account into my login so he would no longer have to use my fathers login. My brother and I have had to use my father 's logins for all of his bank accounts and bills for the last 8 months since we have been handling his estate. There is {$640000.00} in the trust account that I am required to disperse with in 3 months of my fathers passing, that means the funds are to be dispersed by XX/XX/2023 per my fathers trust. Can some one please look into this and actually follow up with us. My brother and I spoke with XXXX from their executive office on XX/XX/XXXX and he assured us that he would follow up with us last week. We never herd from him and both of us have called/ emailed several times with no reply back. He was treated rudely with complete disrespect and like a criminal. No one ever contacted him and asked for any information or requested any documentation to prove he had the power of attorney or anything regarding our trust. Then when he called in, they would again be rude and disrespectful like he was committing a crime. The next issue is there are 3 other accounts {$2400.00} ( 360 checking account ) {$130000.00} ( performance savings account ) {$11000.00} ( CD account ) These accounts were our Father 's girlfriends accounts who died two months prior to my father and were left to her son XXXX XXXX in her will. Capitol One has her death certificate, Letters of testamentary, and her will. They also have our fathers trust and his death certificate, Power of Attorney, His Will, and Two letters from his doctors that say he was in his right mind when he passed. We were told these accounts had become our fathers accounts due to the way Capitol One had added him on them so he could handle XXXX XXXX 's estate in her last few days. We did not probate our father 's estate due to everything being in trust accts. I have emailed the estates department a few times requesting some one to please give me a call since this is not your normal situation. Every time I get a template email response stating these are the items you need which you already have. So to wrap this up Capitol One has {$790000.00} of our family 's money that needs to be distributed to the heirs by XX/XX/2023 and your customer service has been horrendous.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, I deposited a XXXX check from my Grandfather in the amount of {$2000.00} to my Capital One checking account. A week later, on XX/XX/XXXX, Capital One deducted that {$2000.00} and told me they returned the money to the originator 's account at XXXX. However, that money has not gone back to XXXX. Capital One has kept the {$2000.00} due me and will not account for the funds. I first noticed the issue in XXXX, and I contact Capital One to lodge a complaint and file an issue. I told them I am not demanding the money be given back to me- I can ask for another check - but that I merely need the returned check to be returned properly to XXXX and for them to send me documentation. A week later my account was noted to say that " the check was returned because of this reason '', but they failed to account for the funds. I took them at their word that the money would be placed back, and didn't notice again until XX/XX/XXXX when I visited my grandfather and asked for a new check. He told me it hadn't been refunded, so we visited a bank together and sure enough that money was never given back to XXXX. I called Capital One again to re-raise the issue, and was told the money was sent back. I told them this is verifiably untrue, and they told me they would get back to me. I called a few days later and had a different person tell me Capital One " never actually cashed the check so they didn't have the money '' - this is of course entirely untrue. The next day I received an email from Capital One stating that the check was returned, but without evidence of the money being returned to XXXX. I called one more time but they are unwilling to help further are steadfast in their desire to keep my money. Now, I have the actual check as cashed by Capital One, with a Capital One deposit number, and evidence it was in my checking account for 7 days. I have confirmation from XXXX bank the check was cashed by Capital One. I have documentation from Capital One indicating they cashed it. What I do not have is an accounting of the money after it was debited from my checking account. It is still not at XXXX bank. As a matter of course, we filed a dispute with XXXX that on XX/XX/XXXX was rejected for being filed too late, but that rejection letter also indicates the money has not been returned to XXXXXXXX XXXX What I am asking for, now, is that {$2000.00} to be given back to me in my account immediately. Capital One has, effectively, stolen money from me and used their inter-company procedures to stonewall, lie, and obfuscate the money in question. I am submitting this complaint as a last resort measure before I take them to small claims court. INCLUDED IN MY SUBMISSION : 1. my account statement, showing the check deposit, the removal, and current balance reflecting my check being removed 2. an email from Capital One informing me the check deposit was successful 3. an email from Capital One telling me why they said they returned the check, 3rd piece of evidence showing they did in fact cash it, without any indication of the money in question 's location 4. An image of the back of the check showing Capital One cashed it 5. A letter from XXXX denying the dispute, indicating that {$2000.00} has never been returned to the bank.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: IRP Registration Services Toll Free Number : ( XXXX ) XXXX Email : XXXX Website : XXXX : XXXX This company misrepresented itself as the IRP office for the State of Georgia offering to register my tractor. I was preoccupied due to death in my family and gave them my credit card info. When I realized it was not the State. I had Capitalone reverse for the charge. Capitaone then reinstated a charge for services I did not receive.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Ex boyfriend stole multiple cards while in hospital completely emptied all while in hospital for months he also had accident with my car and gave my information instead of his own to other car that he hit his name is XXXX XXXX XXXX of XXXX now XXXX ma he has continuously harassed me from XXXX online not only my cards my mothers card and ex husbands card
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Capital One XXXX Capital One XXXX XXXX, VA XXXX XXXX my right by closing my account PLATINUM Account ending in XXXX and NOT telling me or giving me reason why it was closed or an opportunity to fix. if i pay balance i lose because my credit profile will be super negative. if i pay i lose because they closed my account. it is better for me to have an unpaid balance or charge off than to do business with company. Capital one XXXX Capital One XXXX XXXX, VA XXXX is FORCING me into poor credit and poor credit score and poor credit profile. This is OPPRESSION as stated in the constitution ''The fourteenth amendment to the Constitution considered : the right to pursue any lawful trade or avocation, without other restraint than such as equally affects all persons, is one of the privileges of citizens of the United States which can-not be abridged by state legislation. Remember that the pursuit of happiness, in the Declaration, is not a quest or a pastime, but " an unalienable right. '' Everyone has the right to actuallybe happy, not just try to be happy.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have owned the Capital One Platinum Secured Credit Card since XX/XX/2019. I have not received a credit increase or serious consideration for an increase despite my account remaining in good standing. I have been denied several times. The original limit of {$200.00} was deposited by me. I have been charged the same 29.99 % interest rate the entire time. No consideration for difficulty during covid. Was charged and paid any late fees. Company states you are 'considered ' for an increase after 6 months of on time payments. By looking at my account statements I have met this criteria several times but have never been seriously considered for any increase.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I get an online statement and I did not receive my statement in XXXX it went to spam and Kohls never called sent a email or mailed a letter to my home stating my payment was late. I have worked very hard to keep my credit score up and since it went went 30 days late because I had no idea I had a late payment my score went down like XXXX points. I feel they are responsible to let you know that it was late seeing an online payment can go to spam, when you have a lot of bills to keep track of I would assume you Would get a notice when something is late. I asked twice for them to remove the 30 day late and they refuse. I have been a long time customer and never been late.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A