Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My friend sent me a link to sign up for a credit card, capital one quick Silver where you get a {$200.00} bonus after spending {$500.00}. I called the CC to confirm the offer about 1.5weeks ago. I spent $ XXXX and the CC didn't give me the {$200.00} bonus. I called the CC company and they said that I don't have the promotion on my account and that the representative that I spoke to the previous time gave me incorrect information. I asked to close the account after this bad interaction with capital one.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please see the attached document for a very detailed description of the issue. This is the second time I'm opening the case as the first time around the case seemed to be automatically closed by the system just because the bank has responded. They actually did nothing to fix the issue. The bank charged me ( and keeps doing so ) late fees and interest on a small balance that was paid ( in full ) late because of their own system problems. Due to technical issues on their side they have failed to send me an account statement for 2 billing cycles and also blocked access to my account from my home. They try to place the blame on me and want to extort from me those late fees and interest. I'll pay them nothing more as those are illegal charges. The original balance I've owed has been paid in full.
Company Response:
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX two unauthorized checks were drawn against my small business account for my company XXXX XXXX XXXX : Check # XXXX in the amount of {$1900.00} and / check # XXXX in the amount of {$1900.00}. The payee was unknown to me, and the check numbers appeared to have been chosen at random, as they had already been issued more than a year prior to other non-related payees. I notified my bank immediately and they agreed to investigate, assigning case ID # XXXX to this matter. Following nine more rounds of correspondence, on XX/XX/XXXX my bank provided me with copies of the bogus checks, stating that they had been force paid via mobile deposit through an account at the XXXX Bank XXXX XXXX. The checks were poor forgeries, including errors in our account number printed at the bottom. My bank took the position that they would have to wait for the fraud department to investigate prior to taking any action. I followed up seven more times, including with the fraud department as well as an in-person meeting with bank personal including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emailed the XXXX XXXX XXXX XXXX, asking to receive provisional credit of the amount stolen while the investigation is ongoing. The last reply I received from the XXXX branch was We recommend that you follow up with fraud as XXXX and myself are no longer in the loop on this matter. It is clear that after 17 months, Capital One has no intention of taking responsibility for the forged checks they funded out of my account with recycled serial numbers, incorrect account number, and a bogus payee with no history of prior payment. I own a small business and that {$3900.00} loss is significant to me and my family.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/23. Over the past year or so, I've made multiple attempts to get in touch with Capital One to discuss this problem. They are unable to give a justification for rejecting my request for CLI access. My account card has been with me for more than six years. The most recent denial letter I received from Capital One omits a justification. Just a simple " not available upon request '' message. This is the typical justification for a protected card account ; nevertheless, the card in question is not secured and was graduated long ago. stuck with a {$500.00} limit even though other banks have given me limits of {$6000.00} and higher. When I call and inquire as to the cause, this is utterly absurd. I am unable to get any meaningful information from the representatives. This is not appropriate behavior for a financial institution ; all other banks provide justifications, such as a poor credit score, too many queries, a history of late payments, and Capital One has previously provided that justification for this account. They can no longer give a rationale and instead just say this after I have explained everything and waited. Additionally, my explanation is not included on the back of the letter, which states to look there for a denial reason.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023 I decided to close my account, which was in good standing and had a credit balance. Using the phone app I tried to close the account. The app would not allow me to close the account. Using the latest credit card statement, I looked up how to close my account. I was directed to a customer service number. When i called the number I was put on a very long hold. I could not wait on hold that long, so I decided to write a letter. I wrote a letter requesting the account be closed and that my credit balance be refunded to me. I cut up my two copies of the credit card, taped them to the letter to return them and sent the letter by USPS, certified. It has been 3 months and I have not yet received any response to my letter. According to my phone app the account is still open and my credit balance is still there. With any other credit card company, most credit balances are refunded immediately. I do not see why this company has not closed my account as requested nor at the least refunded my money. USPS tracking indicates the letter was delivered to the company on XX/XX/2023. I would like to see my account closed as requested, my money refunded, and an interest rate charged for the use of my money equivalent to the interest rate this credit card company charges me for the use of their money, which, according to their statement is 25.74 %. Attached are copies of my letter, the latest statement that I attached with the letter when I sent it, proof of certified mail, and proof of delivery according to USPS tracking website. Please intervene on my behalf. Thank you!
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capitol One forces you to use your card or they will cancel the account due to inactivity. A canceled account will adversely affect credit scores. This is an emergency account held in back up should I need it.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX Pursuant to NY XXXX XXXX NY XXXX XXXX Capital One failed to honor XXXX Complaint Report XXXX South Grand Larceny Case XXXX XXXX XXXX ; further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023. Capital Ones legal representation called XXXX XXXX, XX/XX/2023 at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I am pleading the CFPB order provisional payment over {$10000.00} for their negligence to prevent XXXX XXXX , from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Capitol One is still holding on to my money after I have complained about it already. They said that it was insufficient funds but somehow they were able to take money out of that amount. Its still not making any sense to me if the check didnt have any money on it. They are trying to hold my money and keep and think its ok and its not. I will never bank with them again because they are taking people money like people just have money to give away. They need to send me my money back. Its been since XXXX of XXXX. Its should not take that long to investigate a deposit which is not a fraud as we spoke of this already. I will keep complaining about it until I get my money back.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On Sun, XXXX XXXX, XXXX at XXXX, I emailed General Manager XXXX XXXX and General Sales Manager XXXX inquiring about the XXXX XXXX XXXX XXXX XXXX XXXX. I was told they no longer worked for XXXX XXXX XXXX XXXX XXXX. I was transferred to Customer Financial Services manager XXXX XXXX and he told me the vehicle was under inspection and told me we could still move forward with the application process. XXXX XXXX asked me if I had any trade-ins and I told him, my current vehicle was vandalized, not drivable and my children and I were stuck in my investment property out of state. I asked the salesman if he would be able to have the vehicle delivered to me. He said XXXX XXXX XXXX XXXX XXXX XXXX XXXX not offer that service. However when I went online it said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got started on the application and XXXX XXXX, XXXX ; spoke with sales manager XXXX XXXX XXXX who told me he couldn't pull up my credit and he said he would send me a link to try again through the website. I submitted the application again and followed up with XXXX XXXX XXXX. XXXX XXXX told me he received my information and supporting documentation. XX/XX/XXXX, I received an email from XXXX XXXX asking me to call him. We went over the information on the credit application and I told him I would temporarily lift the credit freeze. I then told XXXX XXXX, I do not have a XXXX driver 's license and I am a XXXX resident. He asked me to provide him with tax statements which I provided. I told him I am living in my mother. I had purchased a home in XXXX sight unseen. I went out there to close escrow XX/XX/XXXX. However while at the property, my vehicle was vandalized causing me and my children to be stranded. I then decided that I would not be staying in the property, that I would rent out the property and go live back with my mother until I could sell the property and buy elsewhere. I told XXXX XXXX my children and I are stranded in the property due to vandalism. I told him I don't pay rent at the XXXX address and to use the XXXX address for the application as I will be getting rid of the house in XXXX once I get back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit multiple times, then XXXX XXXX informed me via voicemail that the vehicle was not available. He then sends an email to his staff- see below ; calling me a fraud. I then contacted XXXX XXXX. In my voice, I made it clear that I did not appreciate the disrespect and I questioned his unprofessionalism. I then asked him why he had me provide documentation, pull my credit multiple times, and then tell me the vehicle posted on the website is not available. As he claimed, the vehicle is being marketed for wholesale because 'it did not meet XXXX XXXX standards '. Why mislead the public and publish unavailable vehicles on the website? In addition, XXXX XXXX told me he didn't want to spend money shipping the vehicle to me, encouraging me to purchase a vehicle at one of the XXXX XXXXXXXX dealerships instead. XXXX is nationwide and offers store to door delivery - XXXX XXXX XXXX Despite XXXX XXXX being the world 's most successful automotive company, XXXX XXXX was discriminatory. My credit was pulled multiple times, I supplied my documentation, I was told a notary can come to where I am for signature. The subpar treatment is unjustifiable.
Company Response:
State: TX
Zip: 77303
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A