Date Received: 2023-05-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Order XXXXXXXX XXXX I was charged {$73.00} for an item they NEVER sent. I told them I wanted my account credited because they never delivered the item. On XX/XX/2023 I was assured by a XXXX from their customer " service '' the credit would be processed by XX/XX/2023, even given a reference number of XXXX To date, credit has not been processed. I am tired of this company and they should be investigated by DOJ. They consistently LIE to customers and it is reported they only resolved about 35 % of complaints! Why this company is still in business is beyond, when I have to contact the government to get them to do their jobs. Their customer service is abysmal, they want you to CALL them, I don't work for these people. They employ a lot of XXXX who can not properly speak. I want my account credited. I need to pay off these creeps and close this account. I was lied to, misled, and fraudulently charged for this. Any assistance would be helpful. XXXX should be closed down.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens C me my 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Upon Ucc 3-311 Ucc 3-603 Ucc 3-104 Ucc 3-306 Ucc 3-308 Ucc 3-104 Ucc 3-419 HJR 192 without prejudice.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debt card in the mail from Capital One around the end of XX/XX/2023. I do not bank with or have any accounts with Capital One. So someone has fraudulently open an account using my information without my permission or knowledge. In checking my emails this goes back as far as XX/XX/XXXX through XX/XX/XXXX. I contacted the company and reported the fraudulent account. I instructed them to close the account immediately and report the fraud. The Capital one person I talked to in the fraud department, Capital one agent # XXXX, refused to give me any information. I wanted to know when the account was opened and what they were going to do about this fraudulent account. So this issue with Capital One has not been resolved and needs to be resolved.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: capital one is not in compliance with the truth in lending act and the fair credit reporting act. they are in many violations pursuant to federal law company policy does not trump federal law
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There are many inaccuracies in my credit report. I don't recognize this CAP ONE AUTO. The Date of Last Active differently ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX is not reporting this account. Also, if it is a charge-off account then there should be no balance on this report.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$2900.00} from my Capital One account to the scammer. On the morning of XX/XX/2022, I was scrolling through my email and read that the XXXX XXXX had automatically renewed their protection plan for {$340.00}. However, if I didn't want to renew the protection plan, I should call their XXXX number to cancel. I called the XXXX number and spoke with XXXX XXXX ( XXXX )XXXX XXXX asked me to open my computer, and allow him to connect his computer and banking system to mine in order for him to replace the {$340.00} deducted from my account. When it came to the prompt, I was to type in the amount deducted from my account. Unfortunately, my fingers quivered and I accidentally typed XXXX. At which point XXXX went into his act, because he couldn't correct the mistake, the money was already transferred and he was going to be fired, I could be charged for bank fraud due to overage of payment, his family was going to suffer, etc. His accent was that of the XXXX XXXX, but he claimed to be a hardworking and honest XXXX man, who would never lie to me. ( According to bank records, the money never appeared in my account. The only time it showed up was when XXXX linked up with my account. ) I offered to write him a check for the overage but XXXX said I couldn't do that because our accounts, mine and his, were frozen until I paid the overage. XXXX told me the way to pay back the overage was through the purchase of gift cards at pharmacies or stores. XXXX directed all my purchases at every store by card types and amounts. I purchased cards in {$50.00}, {$100.00} and {$500.00} amounts. The various gift cards included XXXX XXXX, XXXX and XXXX. I questioned him on the amounts I had given him several times because I felt sure I had more than repaid the amount owed. XXXX responded to my questions by saying many of the cards were not properly activated. He also couldn't tell me the amounts I had given because it took time to process the cards. XXXX also gave me his desk phone number ( XXXX ) XXXX.
Company Response:
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Today XX/XX/XXXX I was notified that a Capital One Affiliated Credit Card Account had been closed, causing my credit score to drop XXXX POINTS from XXXX - XXXX. The name of the account is KOHLS Department Store account with a credit limit of {$2000.00}. When I contacted Kohls, it was due to inactivity. It is their policy to close store accounts for inactivity within 36 months. However, I have used my account within 36 months. Kohls has not issued a new card since the old one expired, and I have accessed my account by using my drivers license at the point of sale register and social security number. I requested a call back from the supervisor, and within the hour, a supervisor called and CONFIRMED that there was activity on XX/XX/XXXX, within the 36 month time frame, a payment of {$17.00}. But they have no PURCHASE INFORMATION BUT A PAYMENT INFORMATION!!! WHen asked, if you have a payment, then there must have been a purchase. I think the payment system is recording differently for card usage and when you access the account using the drivers license. When I asked, so why was my account closed, the supervisor identified as XXXX for Kohls, had NO EXPLANATION and stated there was nothing else she could do and even if the account wad closed in error it could not be reopened. XXXX, XXXX supervisor called and reiterated the same. The only other recourse was to reapply, which would cause a hard inquiry on my credit score, causing my credit score to drop even further. Closed Kohls account # XXXX This is no coincidence. Less than six weeks ago, Capital One, the bank which is affiliated with Kohls, I made complaints XXXX and XXXX, in which they had to remove negative information off of my credit report and retaliated by putting negative and unwarranted information when I voluntarily closed the credit account. I do not believe in coincidence that a Capital One affiliated card would just arbitrarily close an account for no reason, in violation of their own policy of no activity within 36 months, causing negative reporting on a credit score and then forcing me to reapply to the store, which would then cause a hard inquiry on my credit score, dropping it even further. It is XX/XX/XXXX and NOTHING HAS BEEN SUBMITTED IN WRITTING REGARDING THE CLOSING OF THE ACCOUNT. I HAD TO RESEARCH THIS INFORMATION ON MY OWN. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Sent a single notice that my account would be closed via email. No paper communication, no continued communication. Closed a card that was in good standing for years. After contacting them less than a week later they refused to reopen the card. I will never be a Capital One customer again.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A