Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Company Response:
State: TX
Zip: 77449
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital One will not let me access and send money through XXXX that is in my checking account. I had to call 8 separate times and each representative tells me a different answer. The funds are being flagged as suspicious. Ive called given all information and nothing is suspicious. However, they will not let me access my own money and send the money. I was told to wait 24 hours, lower the amount sent and other options. Nothing works or has resolved the issue. I need to send this money and it is in my account and no one will help me. Let me send MY Money through XXXX. Quit freezing my own account and figure out how to let people send this money not that it is automated and no one can help me.
Company Response:
State: IL
Zip: 60586
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/23 - I made a donation in error of {$10000.00} to a XXXX XXXX and after reviewing the " XXXX Giving Guarantee asked for a refund on XX/XX/23 of {$10000.00}. XX/XX/23 - I received a email notification from XXXX I would be receiving this full refund in 3 - 7 business days. XXXX - Have not received the refund and Capitol One who I made the donation through is saying my claim is not valid and is putting this charge back on my credit card. XX/XX/23 - I have reached out to capitol one after receiving their notification to better understand why and they have told me it is not their decision by a decision by XXXX they are bound by? They are also telling me they do not have the proper information which I have provided and also attached to this complaint. Capitol One forwarded documentation presented by XXXX that does not include any of the documents I provided to Capitol One. XX/XX/23 - In a call with an employee in the dispute group when I asked about the notification I received from XXXX regarding the refund and that I provided to Capitol One the response was " XXXX made a decision to give the favor to the merchant. ''
Company Response:
State: TX
Zip: 77008
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: IN XXXX XXXX I was scared by national tax/ nationwide tax and I called capital one for help to get my money back. I ask for a chard back to them and though they had saved my problem but I was wrong when in XXXX they chard the money back to my account. I called them to work it out and thy said that they could do nothing and I would have to work it out with them. I now had a card that was way over so I cancel the card was willing to pay if of month to month payments. Then they hit me with XXXX in fees per month and would make it impossible to pay the card off. I called capital one to work something out with them and I spoke to XXXX. She ask how could she help me. I began to tell her why I was calling and in the middle of me speaking there was a click and no one was on the line. I though that we were cut off so I called back and spoke to XXXX and she ask how she could help me so I began to speak and once again there was a click and I was talking to myself again. They were not willing to hear me or work anything out. I have never know a credit card company to not won't to work things out to get their money back as soon as possible.
Company Response:
State: GA
Zip: 30349
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capital One took a {$630.00} unauthorized payment from me XX/XX/23. Autopay for that account was canceled in XXXX. They refuse to refund me and their actions have put me into financial distress.
Company Response:
State: AZ
Zip: 85308
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment was made on XX/XX/XXXX for payment date of XX/XX/XXXX since the system instructed me that paying on XX/XX/XXXX would post to the current statement and I was paying for the following month ( XXXX ). Upon payment processing I receive a statement notice that minimum monthly payment is due for XXXX ( which I just paid ). I called Capital One and was transferred to the XXXX XXXX department as for some reason my account as always been flagged for fraud and I have had to prove my identity XXXX XXXX to open the account and then each time I used the card was instructed to send documentation to prove my identity, so I cancelled the card. In speaking with the first rep, she kept placing me on hold and once she got back to me told me they were unable to move the payment and I can request a refund. I tried to request a refund but then told me I had to do that through my bank ( my bank would not refund me money they do not have???? ) I asked to speak to her supervisor and she transferred me. Was placed on hold by that supervisor and was then told because my account is closed they were denying any refund, and unable to move my payment. I then asked to have XXXX 's payment waived. I was denied that request too. I provided XXXX options to correct the issue that had their system not told me my adjusted payment day would still post to the previous billing cycle, I would have moved it myself. I asked to speak to the next supervisor and my request was denied. She told me they do not take calls but she was not refusing my request.
Company Response:
State: MD
Zip: 21009
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I sent a wire transfer of {$33000.00} to Capital One National Association Account # XXXX, Routing # XXXX. Transaction reference # XXXX. Recipient is a business that is unable to deliver the merchandise that the payment was for and is unwilling to refund the money. Finally, on XX/XX/XXXX, I tried to work with Capital One National Association to track down the funds and rectify the situation. However, Capital One representative verified that the funds could be recalled but only if I was Capital One banking customer myself. I do have a Capital One credit card, but that's the extent of my current banking relationship with Capital One. I do not think this policy makes any sense and would appreciate Capital One 's cooperation in trying to recover these funds.
Company Response:
State: IL
Zip: 606XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not try to open an account with CAPITAL ONE BANK USA NA in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, Capital One sent me a letter requesting verification of XXXX XXXX ( not a problem ). The letter did NOT have a phone number and only offered a fax number ( who has a fax machine ) and a physical address. I mailed in the requested documentation along with copies of the letter so they could reference the matter. I didn't give it any more thought and just moved on down the road. On Monday XX/XX/XXXX I got a notice my account was restricted ( not useable ). After spending quite a bit of time on the phone the supervisor was unable to find my mailed response to their query. Not a big deal this stuff happens. So I asked for an email address to send it in ( since Capital One may be the only major or regional bank in the country that does not have a secure messaging portal in their dashboard ). They do not have one. The only solution was to mail it back in again ( we know how that turned out ) or to fax. Who faxes?? They told me that it would be processed in 48-72 hours. Seems odd as most other banks and brokerage firms can tell me immediately when a message is received. But I understand confirming receipt and processing the document are not. the same thing. I was finally able to get my computer to fax through my printer and sent it in multiple times. I never got any confirmation so I have to assume the received it. I also mailed hard copies ( again ). I called their morning ( 72 hours after submission ) and they had no way to tell me if they got the documents or not. Then they said it would take 7-10 days to process. The significance of all of this is this is our primary company credit card which all my employees use. So I have half a dozens employees out in the field that are not able to purchase items for our construction company. We are scrambling to find another institution that can issue new cards but until then we are sort of shut down. I fully appreciate banks needing to get documentation to keep their records up to date. I can even get that stuff gets lots in the mail. However for them to not have any way to verify receipt of documents or to escalate a matter when a companies credit is shut off is wrong. There was no ability for me to speak to the department, there was no escalation. They just said sorry you have to wait up to 10 days event though it has been almost 2 months since your first submitted and we might be able to tell you if we did or did not get the faxes you sent in ( I am paraphrasing ). If you have a credit card with Capital One and they send you any written correspondence best be prepared for them to loose your response and possibly shut off your credit card unannounced. Very danagersous for a small business.
Company Response:
State: TX
Zip: 76092
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: I contacted capital one regarding Credit card transactions that do not belong to me. I explained to them that my mom prior to her death added me to her account As an authorized user. I explained to them that I have never used the car I was not even aware of it and I've never received a card. I have spoken with them about this several times however my most recent attempt was on yesterday XXXX XXXX about XXXX XXXX. Explain to them that I did not take out a credit card for these amounts of {$550.00} the other amount {$1100.00}. 2 separate credit cards that are showing up on my credit report that I've never opened and never had access too.
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A