Date Received: 2023-05-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? XXXX. XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 am writing to address a concerning situation regarding my Capital One credit card account ending in XXXX. I would like to bring to your attention the circumstances surrounding a chargeback that occurred, resulting in the subsequent restriction of my account. I kindly request your assistance in resolving this matter. First and foremost, I would like to emphasize that I have been a loyal and responsible Capital One customer since XX/XX/XXXX. I have consistently made timely payments and maintained a good credit standing. Unfortunately, an incident involving my XXXX, who suffers from XXXX XXXX and XXXX, has led to the chargeback and subsequent account restriction. On XX/XX/XXXX, my XXXX graciously offered to help pay down a portion of my credit card balance as a gesture of goodwill. However, due to the unpredictable nature of his mental health conditions, he later initiated a chargeback on the payment he made. This action was a result of his psychiatric symptoms and was not a reflection of my intention or involvement. I understand that Capital One must take appropriate measures to protect the interests of its customers and prevent potential fraud or misuse. However, I kindly request that you consider the extenuating circumstances surrounding this particular chargeback and its impact on my account. Also I XXXX XXXX was the original XXXX on his account for his XXXX XXXX payments. To support my request, I have enclosed the following documents for your review : 1. Medical Documentation : Attached, please find relevant medical records and documentation confirming my XXXX XXXX diagnoses of XXXX XXXX and XXXX. These documents, provided by his healthcare professionals, demonstrate the influence of his XXXX XXXX conditions on his actions. 2. Payment Records : Enclosed, you will find bank statements and transaction records illustrating the initial payment made by my brother, as well as the subsequent chargeback. These records serve to provide a clear timeline of events and validate my account of the situation. 3. Identity Theft Report Filed : with the Federal Trade Commission. 4. Police Report : Signed by XXXX XXXX XXXX XXXX Deputy 5. Proof Of Identification : Driver License 6. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 Under 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 furnishing an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My bank froze my checking and savings account and with no explanation. I can not access my funds in my checking account at all, which I survive on. I tried calling them but they never let me speak to a representative and tells me to leave a voicemail with my information and they might called me back if needed. I dont know why they said they " might '' call me back because this is an important situation that is impacting my life directly. I called them a few weeks ago to help open a checking account and was able to speak to a representative easily. Matter of fact I spoke to more than one in the short amount of time I tried to find one. I have called countless times, to which it prompts me to the automoated message of a woman who tells me to leave a voicemail. I am barely surviving right now with the funds from my XXXX where I get my paycheck from work.
Company Response:
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Yesterday Morning, XX/XX/XXXX I notice when I open my Capital One app that my Capital One credit card Quick Silver had a message of closing & I call Capital One Customer Service. The representative name XXXX said that my CC was closed already & I ask why, because I was planing to use it this coming weekend for XXXX XXXX & I had accumulated {$210.00} rewards that I was going to use for my mom & aunt to cover some of what I was going to buy for them for the occasion. Inactivity was the reason of closing the account & I ask why I did not receive a notification that allow me to keep it open because I did not receive anything electronically ( since I sign for paperless ) but he said a letter was send thru normal mail /USPS XXXX I state I did not received it & I ask for my {$210.00} rewards but he said that they are gone..I said that is my money & I have the right to have it since I did not know nor I received any notification for closing the account without my knowledge. He was talking really sleepy/yawning & he said he doesnt care that I lost my {$210.00} dollarsthat was my problem... I was speechless how he talk to me & I requested for a Manager/Supervisor but before I was transfer he ask me if I want my Quicksilver credit card to be closed..I did not understand what he meant, so confused because I thought it was already closed & I could not do anything to fixed including getting my {$210.00} reward money. Before I can answer he transfer me & the supervisor said he could not do anything about it ( it was an offshore supervisor from XXXX & he couldnt understand the situation plus the connection was really bad ). I call back again and XXXX from XXXX also said she could not do anything about it, no resolution for the situation so I decided to call the bank & I requested to get my money back of {$210.00} since I was not aware of the CC closing, because if not I will close my bank accounts as well since I do not trust Capital One with my money after my reward money being stolen from me by Capital One credit card. Later after XXXX I received an email for the first time from Capital One saying my CC was closed as of this evening TODAYin other words when I call to resolve the situation, my card was still open & able to charge /used & not lose my {$210.00} but Capital One actions were literally evil and took /stole my money. I am not a millionaire I work really hard for my money and as a single mother, I count my pennies .IT HURST A LOT LOSING MY {$210.00} & each supervisor I talk said that THEY DO NOT CARE, Its MY PROBLEM. I have never being treated like this in my whole life from a CC bank or from any bank. To this day I did not receive the CC account closing notification letter by email /electronically since I sign for paperless nor by mail/USPS as Capital One customer service stated.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit monitoring alert this morning XX/XX/2023 from XXXX XXXX alerting me to an inquiry made on my credit by Capital One USA Bank NA on XX/XX/2023 at the address XXXX Capital One XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called Capital One Bank and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from Capital One to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Capital one has refused to unblock my credit card. My card has been restricted since last year. Last year in XXXX my entire wallet was stolen. The individual who stole my wallet also used all credit cards but also compromised my checking account with XXXX. Instead of Capital one helping me they restricted my card and left me to pay all of the fraudulent charges. They keep saying in order to have my card unrestricted I must prove my bank account is mine. I have done that over 3 times and they also called the bank and they verified that I did indeed own the account. Last year the person who stole my wallet made fraudulent transactions and payments. XXXX froze my account because it was so horrible. They didnt allow any transactions on the account. When Capital one called XXXX they told them every payment I made but the payment the person made didnt show up and they are stating this is why they wont unblock my account. I have paid down all of the fraudulent charges and they wont even unrestrict my account stating they need more proof I own the account even though I sent over bank statements and they talked to the bank
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Was told my credit card was closed as Capital One has observed activity on one or more of my personal accounts that is inconsistent with a typical consumer account usage? So they cancelled the card for no reason and it negatively effected my credit score and never gave me a real reason, which I would like to know.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? XXXX. XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A