Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ,15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish in account with out my written instructions, under 15 USCS 1666 B 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: TX
Zip: 77087
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Last XX/XX/XXXX, I requested for a balance transfer of {$4000.00} sent to myself from my capital one credit card for a promotional offer of 1.99 % for 12 months with balance transfer fee of 2.99 %. On same day I called the customer service and ask there is a way that I could get the money quicker and they said that I have to wait for 15 days. On XX/XX/XXXX, I called to cancel the balance transfer because I will not get the money on time. They told me that I cant cancel it because it is still pending and to call back when it is posted because they cant get the check number. Today XX/XX/XXXX, I called capital one because the amount of {$4000.00} plus the balance transfer fee of {$120.00} dollars already posted. They told me that I have to wait 15 days to cancel it. I dont think this is right. The balance transfer amount should not be posted into my account until I in cash the check. In addition, I need valid reason why I cant cancel the transfer.
Company Response:
State: IL
Zip: 60148
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023, I made a hotel reservation at XXXX on the XXXX XXXX XXXX XXXX, FL for {$790.00} through the app XXXX. During the booking and payment, I was aware of their no-cancellation policy. However, what I was NOT made aware of by the merchant was that they would right afterwards ask for an additional {$250.00} deposit as well as to upload the front and back of my photo ID and my credit card as well as a picture of myself ( this is the link they sent to me via text to complete this : XXXX XXXX XXXX? XXXX ). Seeing as this was not a hotel with a well-known reputation, I was suspicious of fraud. I contacted XXXX and the merchant to try and cancel my reservation. They would not let me due to the no-cancellation policy. I then called my credit card company, Capital One, to see if I could have them void the charge. They told me that the charge was pending, so it could not be changed yet, but that I was okay to book a new hotel and that I should call after the charge clears/is no longer pending and they would take care of the charge. I followed their instructions. After the charge cleared, I contacted Capital One and they said that I needed to create a fraud dispute with the merchant. I went ahead and did so as they instructed. On XX/XX/2023, Capital One sent me a letter saying that the merchant had provided a " confirmation showing no cancellation per policy was received. '' They asked me to fax/mail them some information regarding their cancellation policies and the sale itself which I did. They then mailed me back on XX/XX/2023, telling me that my response failed to validate my dispute and they could no longer assist me. I called them on the evening of XX/XX/2023, telling them about the issue. I emphasized that, first, Capital One was the one who had advised me to book another hotel with the insurance that they would be able to void the charge for me at a later time once the charge had cleared and that, second, the merchant did not advise me of their extra {$250.00} deposit, front/back of the photo ID, and front/back of my credit card at the time of the sale, only after the sale had been completed. To this, they were not very helpful and kept repeating that the only thing that I can do at this point was to provide them additional information, proof of return/cancellation, the invoice/sales receipt, response to merchant 's documentation, and a second opinion from another similar merchant ( in this case, a hotel ) stating that the original merchant is wrong and that I am eligible for compensation. However, they told me on the evening of XX/XX/XXXX that this would all be due on XX/XX/XXXX. After XX/XX/XXXX, they would not be able to assist me further. I thought that this was ridiculous, given that they are telling me to supply all of this information and contact a hotel ( while I am a XXXX and have lots of work and responsibilities besides this during normal work hours ) to successfully receive a second opinion within 5 days. They are also partially RESPONSIBLE for my actions in booking another hotel, insuring me that I would be able to receive my money back from this charge at a later time. I am contacting the CFPB to assist me in this inequity. Attached below, are letters from Capital One, the hotel listing on XXXX ( where you can clearly see that there is nowhere showing a {$250.00} deposit fee or information that I would need to send photographs of myself, my credit card, and photo ID ), and the invoice from XXXX. I have blurred out the name, address, and case number from each photograph. Thank you so much.
Company Response:
State: WI
Zip: 53005
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This agency never send me anything about a collection debt trying to collect and now they taking out of my check now I live pay check to pay check a debt back in 2007 which I don't recognize or have no previous knowledge of it.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a capital one customer since XXXX & since about XXXX I have been kept at a credit limit of {$1700.00}. I have submitted multiple requests for a limit increase twice a year since XXXX & have always been denied with no real explanation, other than insufficient use of card. So then I've used the card more & have paid the full amount off, only to be denied due to my account not being eligible at this time. Which makes no sense. I pay {$39.00} dollars a year for this card & can't reap the rewards of it. It's a scam! At this point, I am extremely dissatisfied with the way this company has dealt with me & I don't use that card anymore. I applied for a credit limit increase again today but I have no hope at this point. I would like to either, have them increase my limit or offer me an upgrade option. I would not like to close this account since it is my oldest account & this would affect my credit score which is currently XXXX. Seems like capital one is stealing from me! since I can't make up the {$39.00} a year in rewards & it seems purposely calculated by the company, which is not fair. I have {$20000.00}, {$15000.00} & {$13000.00} in credit limits on other cards, which I manage very well & have never had issues with late payments. Also, most of their customer service employees are extremely rude, have offered absolutely no help or real explanation & have even hung up on me in the past. I am submitting this complaint because it is clear that capital one is taking advantage of my yearly payment & capping me off at a low limit of {$1700.00}. Essentially only capital one gains from me. They get more from the annual fee than I can ever get in rewards. Seems pretty calculated & more like a scam.
Company Response:
State: FL
Zip: 33313
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a U.S. citizen with a valid passport travelling abroad. I received a letter approx. 2 weeks ago at my virtual mailbox in the U.S. that Capital One requested I update my physical address or that my account would be limited and closed. Upon receiving this letter I immediately called the bank and after speaking with several people, including a manager, they allowed me to use my mailing address as my physical address and ensured me that my account would remain open. This is on a recorded line. A day later, my account was closed and I am unable to access my funds. Mind you, I have 2 credit cards with the same bank who are also aware I am outside of the U.S. travelling abroad and allowed me to keep the credit cards open. This is not justifiable in any way, shape or form. I now risk becoming homeless in a foreign country because I can not access my funds and the bank wrongfully closed my account. I am in the process of contacting a consumer protection attorney as well. I would appreciate if you can look into this immediately. There is a recorded conversation of the bank manager authorizing me to use my mailing address as a physical address with her ensuring me the account would remain open.
Company Response:
State: TX
Zip: 77043
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am victim of identity theft with credit cards, medical debt, cell phone accounts
Company Response:
State: CA
Zip: 90011
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Account locked after legitimate transaction erroneously flagged. More than a dozen attempts to contact customer support. Repeatedly told I would be called for follow up ; never called. Capitol One continues to refuse to discuss account or resolve erroneous account restrictions.
Company Response:
State: NY
Zip: 10023
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Capital one has a referral bonus for 360 checking accounts where an existing user sends their unique referral link generated in the app or website. The friend follows the link to open an account, and the offer is after 2 deposits within 75 days from account opening, both myself and my friend would get out {$50.00} bonus credited to the account. However, on following up, we were informed by capital one that they would not be honoring that as they have stopped the bonus program as of XXXX. Which is odd as I was able to pull up the link as normal to refer my friend. The page STILL states that you can get your bonus and nowhere is there any indication of that being paused. I feel deceived and misled because I would not have followed through with referring anyone had I known the program was paused. I called and spoke with both customer service as well as a supervisor informing them of their company misleading consumers, but they simply stated they would not be honoring that whatsoever.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposit a check through mobile deposit online it clear on XX/XX/23 and I have a available balance so I have 3 account at capital one savings account 2 checking account every month since XXXX money grow interest ever months since XXXX until today
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A