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 express my deep dissatisfaction and frustration with the handling of my dispute that I raised with XXXX XXXX XXXX billed on XX/XX/2023 for {$2300.00}. The Case XXXX The Merchants Name : XXXX XXXX XXXX XXXX The Capital One transaction Support Center replied to me that they were unable to assist with my claim.When I called them, the representative said the time had passed and the validity period for filing a dispute is only 90 days. But when I first called for a dispute, they never informed me or provided any notification to submit evidence and documentation until around 80 days, they sent the first letter and mentioned it.Now they are avoiding taking responsibility for the matter. I have called them 3-5 time and send seveal emails but they still did not want to help me to slove the problem.They pushed the blame and asked me to go to the airline to solve it myself. The Capital One Representatives carelessness and lack of responsibility in their work have caused me financial losses. They have to help me to get the fund back. Due to the mistake of the representative, the transaction was released without my authorized.Now they shirk their responsibility and ask me to solve it with the Merchant by myself.It is too unreasonable. I can not agree with Capital ones response for the following reasons : First : My XXXX old daughter used my credit card to book the vacation airline tickets without my permission.When I received a text message from Capital one company asking if I authorized this transaction on XXXX XXXX, my response was " No. '' I did not authorize this charge.At that time, the credit card was frozen.the next day, we needed to use this card to buy materials in Home-depot, I called the customer service for help, but I only said that I wanted to authorize the transaction with the home-depot.I did not expect that the customer service also released the transaction I had refused before. ( I printed out the text message from my phone as Evidence ) Second : When I found that the Money still charged later around XXXX or XXXX of XXXX. I immediately called Capital One to dispute it and called XXXX XXXX to cancel the flight. But they told me that the refund could not be processed back to my credit card and could only be refunded as credits for future buying tickets because it took 24 hours to cancel the flight. I did not agree to this proposal. I think it was Capital one that caused a delay and resulted in my losses. The airline did not agree to refund the money, The transaction Support Center should be responsible for helping me refund the money. I urge Capital one to take immediate action to refund the full amount charged to my credit card account. I appreciate your attention to this matter and your assistance in resolving this dispute. Thank you for your time and help.If you have any questions, please call me atXXXX Signature : XXXX XXXX XX/XX/2023
Company Response:
State: NY
Zip: 11791
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I signed up for a XXXX card after being approached in the store, I agreed and paid {$25.00} and did application. Before receiving the card in the mail I went back to the store and phoned and said I didn't want another line open and wanted to close and cancel. I was told I had to wait for the card to come in the mail and then call and cancel. I did this and was told they would close the account so I cut the unactivated card up and put it in the trash. I got a statement 30 days after this with charge on the card for membership, I called again and told them this should have been closed. They told me would close it and to go to the store and refund it, went to the store and they said they could not do as the account didn't show closed, since then I have called multiple times to close the account and they have not done so, they sent another card I didnt activate and again called if need be I can file a police report because at this point I don't know what else to do. The last call was XX/XX/XXXX I believe when again. I was told they would close it. I do not want and have not charged anything to this card.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX to Capital One without my explicit consent. The account transfer resulted in autopay settings being reset, and two subscription charges ( XXXX and XXXX ) went unpaid. I contacted Capital One on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. I sent a letter to Capital One 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. Capital One responded, stating they found their report to the credit bureau accurate and no further action was needed. I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. The impact of a damaged credit score can be financially debilitating. I urge Capital One to review all reported payment delinquencies during the transfer of accounts from XXXXXXXX XXXX to Capital One. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Sir or Madam : I am writing to complain about the fact that Capital One is trying to charge a residual interest fee to my account after I was finally able to pay off the entire balance of {$3300.00} on XX/XX/. I made two payments in XXXX, one in the amount of {$110.00} on XX/XX/XXXX and then a second payment on XX/XX/XXXX in the amount of {$120.00}. This left me with a balance of {$3300.00} which I successfully paid off on XX/XX/XXXX giving me a {$0.00} balance. On XX/XX/XXXX, I received an email from Capital One notifying me that I am being charged {$62.00} for interest fees. When I contacted Customer Service, I was told by a supervisor that I am being charged a residual interest fee and can be charged a second residual interest fee next month as well, which makes absolutely no sense because the whole point of paying off a credit card bill is so you dont have to pay interest. I have always paid this bill on time as I was signed up for automatic payments to ensure that I wouldnt miss a payment and the fact that I made not one, but two payments in XXXX is absolutely ludicrous that now I'm being charged an residual interest fee. When does paying off a credit card stop?
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a promotional XXXX XXXX Savings account with Capital One and authorized {$10000.00} to be withdrawn by Capital One from my XXXX XXXX checking account XXXX. Capital One withdrew {$10000.00} twice, causing severe overdrafts and bounced checks in my XXXX XXXX account. Capital One staff were unwilling to help, a managerial team member even hung up on me when I asked for the transfer to be reversed. I opened a claim with XXXX XXXX to mitigate overdraft and return fees. Capital One eventually reversed the transfer, but only after significant embarrassment and damage from reversed checks to businesses, contractors, and nonprofits as well as lack of funds fees had occurred.
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I deposited a check of {$2900.00} to my Capitol One checking account online. I then got an email stating it was being processed. A few moments later I got an email saying it was successful and that the amount will be available in full on XX/XX/XXXX. Then on the same day, I received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' I was not made aware of the reason. The next day XX/XX/XXXX I called the bank in order to ask questions and was immediately sent to voicemail. I was not too worried about it as this was a small amount of money. I tried calling a couple more times only to receive the same response. Sent straight to voicemail. On XX/XX/XXXX the check was reversed without any notification I noticed this on XX/XX/XXXX and tried to call the bank still sent to voicemail due to my account status. XX/XX/XXXX I called the bank that morning after noticing my savings account was closed. I was not made aware of why. Then received a call saying they couldn't verify the check and that the bank was " no longer doing business with me. '' My accounts would be closed and my money will be coming in through a check in the mail.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX You are in direct violation of the fair credit reporting act ( capital one auto loan and account number XXXX ), has violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearing 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 purposes Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the statement that was issued for XX/XX/2023, {$14000.00} was owed as the payoff amount and my account was past due. It was reported to all XXXX credit bureaus as delinquent as well. On XX/XX/2023, I made a payment of {$270.00} towards my loan. On XX/XX/2023, Capital One Auto Finance applied two payments to my auto loan account, totaling {$14000.00}, because my vehicle was deemed a total loss due to an accident that I was in on XX/XX/2023. As of XX/XX/2023, {$220.00} was owed on the loan. I paid the amount owed on XX/XX/2023, which paid the loan off. No update to my credit report has been made since XX/XX/2023 and as a result my credit score has dropped more than what it was, while this vehicle is showing as 30-90 days past due ( due to being reported inaccurately across all three reports ). Currently, I do not have a vehicle and this vehicle reflecting as it is, has made it impossible for me to get a new vehicle. I have attempted to get assistance with this from Capital One and I have been repeatedly told that they can offer me a letter that shows my loan is paid in full. There has been no update to my credit since my first call to Capital One regarding this issue, no statement generated for the month of XX/XX/2023, which should have been generated due to an amount being owed by XX/XX/2023. I have done all that I can think to do and not having a vehicle as a single parent is very very inconvenient when this could have been prevented entirely if Capital One was reporting correctly and timely.
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One sent me a letter in XX/XX/2022 regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to XXXX on XX/XX/2022 ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. I have written letters and made several phone calls asking for help to no avail from XXXX, but XXXX and XXXX removed the inquiry. Please, can someone help me with this matter?
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/XXXX and my second letter to XX/XX/.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A