Date Received: 2023-05-16
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: I owned a BJ master card for a long time, and all of a sudden it sold to Capital One. Now while I hadn't received my card yet, I start receiving call from Capital one to ask my provide ID, SSN, address verification. I submitted all the information and after two weeks they get back to me said my address is not matching the address on profile. In which I told the representative that the address on their profile is a business address, where I don't have personal name on the utility or bank statement. I was asking them if I can provide my other credit card statement with my name and address, they said no. Then I ask if I can use a bank letter with my name, business address, business name on it along with my business bank statement include business name and address to do the verification, and they simply said no.
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX of XXXX. I had contact Capital One Financial Corporation bank as I had a XXXX IRA account with them. I discovered through my inquiry with captialone that they had closed my XXXX IRA account without properly informing they did close it. I was told to contact XXXX mutual financial companies to see about it. I contacted both XXXX and XXXX in which neither parties said my XXXX IRA was transferred over to them. I spoke with captialone and they said that with my account being closed they sent in information along with my IRA of {$6000.00} in the form of a check to my address. Which I had never received in addition as I had moved moved to a different address and I'd longer lived at my previous address and in addition of not receiving any notice of my IRA account closure. They were unable to assist me further nor attempt to offer a resolution for me. I had never experienced something liked this before nor was offer an explanation.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company is calling my phone early morning, noon, and night. This is old back XX/XX/08 I wish this to be removed from my credit report.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.
Company Response:
State: VA
Zip: 23061
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was XXXX, XXXX, XXXX or more days late. Capital One Reported On XX/XX/2023 Account XXXX {$300.00}
Company Response:
State: MI
Zip: 48187
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: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied and was approved by Capital One for a QuickSilver credit card. The company gave me a hard time proving my identity. I gave them all the documents needed. They took over 2 months with the situation. Capital One finally said they would approve and activate my card if they could get bank to verify my identity over the phone. Capital One rep was not able to get the verification, so I said it's been so much trouble, just cancel the card. They cancelled the card, then the next day a rep called and said they were sorry and let 's get the identity approved. It was successful and I was told I would get the card in the mail. I didn't receive the card and was told that the card was cancelled at my request. This has damaged my credit score and I never received the card. I was told this would be fixed by 4 reps and 2 managers. I spent over 2 months and 9 hrs over phone and internet. I need help with this situation because it's not my fault, it's Capital One and their employees.
Company Response:
State: GA
Zip: 30016
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: To Whom It May Concern, When I applied for a Credit Card with Capital One, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that XXXX XXXX engaged in fraudulent behavior ( unauthorized use of credit card ).
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A