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: Reserved rental car on XXXX on XX/XX/2023 for two days. Was rental was to be picked up on XX/XX/2023. My Capital Cabelas Visa was charged {$210.00}. The rental car company is XXXX. Arrived XX/XX/2023 at XXXX at XXXX to get car. XXXX rental agent informed me that there is an hold of {$200.00} that need to be placed on my credit card. Informed XXXX agent that I dont have {$200.00} on my credit card for the hold to be placed. Moreover, informed agent that when I booked car rental with XXXX it was never mentioned that an {$200.00} hold would be placed on my credit card in addition to the rental charge of {$210.00}. Informed XXXX agent I would have never booked the car in any event disclaimer stated and additional hold of {$200.00} would be placed in my credit card. The agent informed that my card declined for the additional {$200.00} hold. I could not rent the car. Ask agent for refund of {$210.00}, agent informed to contact my credit card company for refund. I called Cabelas Capital One and filed a dispute on XX/XX/2023. Informed Capital One that I reserved rental car through XXXX for two days for {$210.00}. Car was to be picked up on XX/XX/2023 at XXXX at XXXX. Arrived at XXXX and was informed that an additional hold of {$200.00} was requested by XXXX agent to be placed on my credit in addition to the {$210.00} that was prepaid with XXXX. I did not have the money and was not allowed to rent car. However, my card was charged {$210.00} and it wasnt refunded back on my card. Want Capital One to provide receipt from XXXX XXXX with my authentic signature that I rented car for two days. Want Capital One to provide contract that I signed to rent car from XXXX. Capital One responded to my dispute XXXX and informed me that I lost my dispute and I am liable for the {$210.00} because I didnt cancel my reservation. Capital Ine never provided my requested documents. Would like Capital One to provide to me XXXX cancellation policy in writing. Capital One, XXXX and XXXX are in conspiracys to defraud me. I never received the service I paid for. That is theft of service.
Company Response:
State: PA
Zip: 19124
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: Banking errors
Consumer Complaint: Capital one has failed to respond to any of my letters or emails or voicemails. They seem to only respond when I make a claim through you guys. I called XXXX, many times and nothing has happened. As mentioned before I'm submitting a claim regarding my account ending in XXXX, my account has POSITIVE balance for that account is {$12.00}, XXXX, and I still don't understand why if you guys already decided to close my account and end relationship why has a check haven't been sent to me for the remainder balance in my account, capital one by law can not keep any of my money and must send a check to me for balance remaining, account should have already closed there no negative balance, so I should have already been issued a check for the amount shown above, i received mail of my account and shows me a balance. No letters as of why you decided to end relationship, nor when my account will close NO time frame has been provided, like I mentioned no answers are giving to me without me making a claim with the consumer financial protection bureau, please help me escalate this and get my money sent out to me. Why is it taking capital one months to close account with a positive balance. Not my checking or my savings accounts ( 2 ) why are they still open not closed.
Company Response:
State: CA
Zip: 91744
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: hello i am owner of XXXX XXXX sales i have capital one bank bussiness account from last 5years, and that account is my major account for my bussiness, i was buying some products with company called XXXX XXXX XXXX XXXX in texas , i did wire transffer to them and now capital one freeze my bussiness account, now i dont have any access to run my bussiness and when i called capital one they are not responcing me for anything, they keep saying your account is in investigation.
Company Response:
State: VA
Zip: 22407
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased a vehicle on XX/XX/XXXX and the dealer did not provide me with the required disclosures at the time of the transaction, and as a result, I was not aware of my right to rescind the contract within three days of signing. I have since learned that the dealer was required by law to provide me with the disclosures, and their failure to do so has extended my right to rescind the transaction. The total downpayment amount was {$5400.00} paid in cash with {$29000.00} being financed. I have since paid a total of {$6600.00} towards this contract.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A 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 purpose. 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: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: There are 18 hard inquires on my credit report who has been misleading with information. Capital one spark, advertisement misleading information. They mislead in inquiring their information. So i want that inquiry deleted off my report.. XXXX XXXX XXXX misleading information from social media please remove XXXXXXXX XXXX misleading information from social media please remove XXXX XXXX XXXX misleading information from social media please remove XXXX XXXX i would like removed XXXX XXXX please remove XXXX please remove XXXXXXXX please remove XXXX please remove XXXX XXXX please remove
Company Response:
State: KY
Zip: 40475
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 - Capitol One closed my credit card account today with no formal letter, only an email that said it was closed due to inactivity. I called Capital One today and they informed me they emailed me in XXXX and that this closure was permanent. This closure causes harm to my credit score as available credit and number of years with a credit account are determining factors. They informed me the only option was to apply for a new account which would also impact my score. I filled a complaint with the company about this policy.
Company Response:
State: OH
Zip: XXXXX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm being charged for a credit account that was not opened or authorized by myself
Company Response:
State: CT
Zip: 065XX
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 Report Act XXXX, Account : XXXX, CAPITAL ONE, has violated my rights. 15 U.S.C 1681 Section 602 A, States 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. " I called Capital and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX and my XXXXXXXX and been out of work for several months and my car was total lost. ''
Company Response:
State: IN
Zip: 46143
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit rating was at XXXX for years. On XXXX I traveled from XXXX to XXXX to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. I looked at my credit report and XXXX charges from years ago appeared on there. In addition. XXXX claimed I paid only XXXX of my accounts on time. I have been devastated by this inaccurate reporting.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A