Date Received: 2023-04-27
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: On XX/XX/XXXX approximately, I placed an order for a chandelier with Pottery Barn on my Capital One/Pottery Barn Card. The item was an open box item. On or about XX/XX/XXXX I reached out to PB Customer Service and informed the agent that I was missing one of the glass sconces. I let her know that I just identified the issue because I had to hire an electrician to install the new chandelier to a 20-foot ceiling. At this time, I asked the specialist if I should hold off on the install, her response, no someone would reach out from the company to get you a replacement piece. I was willing to pay for the replacement since it was an open box item ; despite the website not indicating parts would be missing. The website indicated, wear and tear, scratches, etc., but no missing pieces. I never received a call back from PB, so I followed up XXXX XXXX, and was told that they did not have replacement parts and the manufacture does not just sell replacement sconces. I tried to offer possible solutions the agent that I spoke with was not cooperative, and the next day I received an email from her manager indicating she would make a one time exception to return the item. I explained that it is installed to a 20 foot ceiling that it would be an additional {$500.00} on top of {$500.00} that I had already paid to install it. I once again asked if she could send me a similar sconce that matched the one on the chandelier, she keep on insisting the only recourse would be an exception to return the item. Again, I told her the cost would be {$500.00} to uninstall. She then wanted to state policy, I indicated what was discussed and displayed on the website, no mention to missing pieces/parts. This went back and forth, and after being uncooperative or providing a viable solution I informed her I would just reach out to my credit card company to dispute the charge. On or about XX/XX/XXXX, I contacted Capital One, and opened up a dispute regarding order # XXXX for {$390.00} + {$39.00} + portion of tax charged {$35.00}. A dispute was opened for {$530.00}. I received a letter in the mail requesting additional information by XX/XX/XXXX for my dispute. A provisional credit was issued for {$530.00} ib XX/XX/XXXX, I paid the balance down to {$0.00} ; on XX/XX/XXXX, there was a debit for the provisional credit ; and my statement cycled on XX/XX/XXXX ; resulting in a minimum payment being required ; and the balance being taken off the promotional balance. To avoid any possible negative consequences with the bureaus I made a payment for {$130.00} on XX/XX/XXXX. I called Capital One the issue of the card to explain the situation ; I was advised that they debited the account because they received proof from the merchant. At this time, I explained I was not disputing receiving the merchandise ; I was disputing the issue above. After going rounds with the customer service representative and being placed on hold, no assistance was provided. I am still within my dispute time frame for me to complete their letter, which is being done right now, however, the PB debited my account resulting in a balance due. I want this item placed in dispute until Pottery Barn and I come up with a solution. I again reached out to PB Customer Service today, and received no support, despite options. I just filed a complaint with the XXXX with documentation. I am opening up this dispute now to avoid any further negative consequences with my bureaus. On top of the item being placed in dispute, I demand that the balance be put back into the 12-month promotional balance NOT a revolving balance. Any interest and trailing interest need to be credited back as well. On XX/XX/XXXX I received a letter from capital XXXX showing proof of delivery. The information that Pottery Barn provided was not even regarding the item that was in dispute. It was for a completely different purchase. This tells me that the agent that opened up the dispute with XXXX XXXX did not open the dispute on the correct order ; and/or Pottery Barn is providing false documentation regarding the dispute. In looking at my statement, despite only showing the last XXXX digits on the statement, the remittance stub shows the full account number in the XXXX XXXX.
Company Response:
State: UT
Zip: 84401
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act Capital One credit card account Numbers ending in # XXXX and # XXXX has violated my rights. 15 USC 1681 SECTION 602 states that I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : also states a consumer reporting agency can not furnish 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 consumer credit plan as late for purpose
Company Response:
State: LA
Zip: 700XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i never made a partial payment nor have i acknowledged i owed this debt nor did i contact them regarding this debt i sent a letter for verification of this debt and they never sent it back to me. This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed they reported on my credit report that account was opened opened XX/XX/XXXXXXXX car was reposessed XX/XX/XXXX it reports the account is closed report XXXX was updated XX/XX/XXXX Status Account charged off. {$9800.00} written off. {$10000.00} past due as of XX/XX/XXXX. then it says Status updated XXXX XXXX they have re-aged this account several times which is deceptive and misrepresenting, and false. i have never had any contact with this company about a payment plan and i have never acknowledged that this is my debt. i want this CAPITAL ONE AUTO FINAN debt to be removed immediately because they blatantly violated Fair Debt Collection Practices Act several times. 807. False or misleading representations ( A ) the character, amount, or legal status of any debt; or ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 809. Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and
Company Response:
State: TN
Zip: 381XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, I received an alert that Captial One reported and account on my credit report. Therefore, on XX/XX/2023, I sent a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to with the company. Aa result, I received a response from Capital One on XX/XX/2023 requesting a credit report. Therefore, they were not able to provide evidence that this is my account. They are in violation of the following. On XX/XX/2023, I sent another letter requesting a " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to with the company. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please assist me with this matter.
Company Response:
State: NJ
Zip: 07305
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Company 1 XXXX Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Company Response:
State: TX
Zip: 77061
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by capital one bank back in XX/XX/2018 for a closed bank account. Upon contacting capital one back they said that amount was an error and that the correct amount is {$370.00}. XXXX acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but XXXX is illegally still reporting incorrect amount
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
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 the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 Section 602 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: VA
Zip: 238XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit act reporting act XXXX Account # CAPITAL ONE XXXX, has violated my rights. 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 furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Capital one continues to go into my account and steal funds, they were told multiple times that there wee multiple charges from XXXX and that nothing was received, no order was placed and instead of getting the money back they continue to double and triple charge the account. When Capital one is called all they do is give me the run around, also they transfer calls to an offshore account where people are unable to communicate in English, making it extremely difficult to communicate with them. There are multiple charges on the account that are not supposed to be there. If I received nothing from XXXX why are they charging
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received a series of automated emails from CapitalOne that said I changed my profile phone number, was approved for a new credit card, and accessed my account through a new device around XXXX of XX/XX/25. I did not recognize any of this activity so I called CapitalOne. Despite sending me emails, they confirmed I did not have any credit cards in my account, however they would not explain why I received any emails to begin with, so I'm unsatisfied with the response. Second, while on the phone I was bounced amongst multiple representatives, but one told me that I had a savings account under my profile ( linked to my social security number ). I was told it could have been opened many years ago. I do not remember opening this, however it does not mean I didn't. They refused to provide me any way of verifying if this savings account under my own social security number is valid. The only solution they offered was to flag it as a fraudulent account and close it. I deserve to know whether this is my account, and closing it without investigating it is not appropriate. I want all credit cards under my social closed, and also that for my wife, XXXX XXXX. For any checking or savings accounts, I need to be given a level of information for me to validate whether these are legitimate. Once confirmed, if they are not legitimate, these also need to be closed. The multiple representatives I dealt with each had incomplete information and were unwilling or unable to assist the above requests.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A