Date Received: 2023-04-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint submission is in regards to ( CAPITOL ONE CREDIT CARDS XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. ) I have made attempts to rectify this matter with them directly as they have now been unresponsive. Throughout the past year I have always maintained communication and attentiveness to any issues regarding my credit cards with Capitol One. Nonetheless, the issue at hand is that Capitol One has demonstrated false advertisement, and misleading information on numerous occasions as a tactic deceived me as a consumer. Ultimately they had secret intentions to collect money from me all with the intentional prevention plan that didnt allow me any access to my credit cards. I currently have two credit cards with Capitol One in which they are both currently RESTRICTED PERMANENTLY due to alleged missed payments. With my Capitol One card, as of recently I was never informed on such action nor notified in documentation such action would be taking place. Neither is there any agreement in bonding by signature indicating I agree to such ruthless and misleading consequences. I previously entered Hardship Programs in result of dealing with financials issues as my business suffered severely from the Global Pandemic of Covid-19. Throughout my financial hardship, I have notified Capitol One every step of the way of my circumstances. Prior before Covid-19, my account was in perfect standings with 100 % on time payments and my account being paid in full every month. Capital One has now penalized me for life with 2 Credit Cards and no access to any credit FOR LIFE. Though I informed them on my financial circumstances, they continued to raise the monthly amount and also charged me late fees. I continued making monthly payments ; however, the minimum payment would increase every month due to the interest charges. So nonetheless, though I was making payments, hundreds of dollars each month, the company would consider my payment as a late payment and also a missed payment considering it wasnt their requested amount. The Hardship Program had no benefits. I was still being charged high interest rates, and also still being charge with late fees even though I was in agreement with them for what I can afford monthly. This is a simple tactic to steal money from consumers. They provide you with a credit, and just as you begin to pay it off completely, they place restrictions on your account to gain money from fees, interest, and false cash advance charges. I have spoke to several supervisors regarding this matter who all seem to have the same interest in charging customers and preventing them from any future access. On XX/XX/2022 I even spoke to a supervisor by the name of XXXX ( XXXX XXXXXXXX ) who informed me once I make a significant payment to my account that I would then have full access to it. Though the supervisor made this statement on record, I have still been penalized in result of misleading information and once again no agreement in such action would take place. XXXX ( XXXX XXXX ) stated that the back office research team would rectify this matter. All of this never took place and each Capitol One Rep I spoke with only gave me more excuses of why my account can not be unrestricted. This is prime example of fraud taking place directly from a company who are suppose to help consumers build credit and strive to financial freedom. I also spoke with a supervisor by the name of XXXX ( XXXX XXXXXXXXXXXX ) who stated they would review the calls and make the necessary adjustments to allow access to the account. Once again I was mislead as I spoke to another supervisor who stated XXXX gave me the misinformation. Capitol one has no intentions of rectifying this matter which leaves me no further options but to pursue a civil suit if the company refuses to remove the restrictions to my accounts.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX of XXXX, PA was to help me with a work related assignment but she never showed up to the job site. Upon mentioning my concerns for the money sent back to my account she replied with a scammy message. Since XX/XX/ I've requested the money nearly 5 times via XXXX and no response. I've contacted my bank and they've stated it will take 45 business days to research into the claim I opened against her account. Therefore, I'm submitting this report to have the police contact her personally at XXXX ( XXXX ) XXXX. Perhaps the police can help her to release the funds that do not belong to her. Someone please help me.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear, Consumer Financial Protection Bureau, I am writing to dispute two late payment entries on my credit report that were reported by Capitol One Bank, XXXX. The account in question is a credit card account that I have held since XX/XX/XXXX. I have disputed this with Capital One but XXXX did not take it off my credit report. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, two payments were made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Capital One account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ) with Capitol One. Throughout my time of service, Capitol One was very supportive of my military commitments, and they extended their support to me during my financial hardships and always applied my benefits to me so that I was able to maintain a credit history. Although I am now a XXXX XXXX XXXXXXXX veteran, I still appreciate what they have done for me in the past. I would like to request that Capital One remove the two late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Capital One Bank to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Capital One Bank remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter. I look forward to hearing back from you. Sincerely, Consumer
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please note I was called by someonesaying they were capital one and asking me to call back to XXXX XXXX and refer to a reference number XXXX for an application verification. They wanted me info to confirm if it was an application I submitted. I did not give them any information but hope you can report this to the FBI or local authority that prevents them to succeedin scamming others? Please follow up Thank you
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received email and text message regarding an account with Capital One that I do not have. I am an identity theft victim have never done business with Capital One. I contacted them but their system was not able to give any details about the fraudulent account at the time. However, they were able to confirm that an account was opened under my name using my social security number. I do have credit freezes with all 3 credit bureaus and with XXXX.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Company Response:
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing in regards to an issue with my Kohls credit card. It is a joint account with my husband XXXX XXXX In XX/XX/2022, I made what I believed was a full balance payment to my Kohls card. A {$21.00} charge that was posted to the account the day before my payment was not included in the balance at that time, but I believed it was. I was charged a late fee on the XXXX statement in error, as I made a XXXX payment that was greater than the minimum due. Another late fee was charged in XXXX. I was unaware of this because I am enrolled in paperless statements. I was not contacted by Kohls even though they have my correct home address, email address and mobile phone number. I only found out about the issue because XXXX XXXX sent me a message that my XXXX score had been effected. Although I am enrolled in paperless, I never recieved communication from them that my statement was available. Additionally, they offer paperless statements, but do not offer automatic payments, which prevented this situation. Since I was made aware, I have tried to contact Kohls on multiple occassions. I have twice waited through long holds times, only to be disconnected when I was finallly transferred to an agent. I have spoken to chat agents. On the first occassion, I was told that if I paid the {$21.00} transation, the fees would be adjusted, so I paid that amount. I contacted chat after that and was told they could not help me because my account was delinquent. Today we were working with a loan officer because we are looking to purchase a new home. I found out that this one issue, that stemmed from a {$21.00} transaction, has dropped out credit score by XXXX points. We both previously had XXXX XXXX XXXX credit scores and they are now in the below XXXX. This will make it very hard to get a mortgage. I am beyond devestated to be missing out on this opportunity beause of Kohls predatory practices. The fees associated with this issue have now accumulated to over {$140.00} since XXXX. Please keep in mind, the {$21.00} transaction was paid, per their instructions, and nothing was done to correct the account.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called my credit card company because I was having a life-changing event. I talk to XXXX on XX/XX/2023 at XXXX p.m. I made a payment of {$100.00} on my account I have the confirmation number. Then I end up talking to XXXX and she said that they will put me on a special program that goes through the three building cycles it was a forbearance program. But I kept getting email saying I was behind on my account. So I kept calling back and end up talking to a various people XXXX I talked to. And on XX/XX/2023 I talked to XXXX at XXXX XXXX. and he went over the program and I talked to XXXX on XX/XX/2023 and he didn't understand the program at all. So I end up talking to a supervisor named XXXX at XXXX p.m. she said they had sent a letter out to me which I never received. And she explained the program to me she said they had three different programs. But at the end of the program that she explained I still had to make the minimum payment. And I told her I was having a life-changing event and I couldn't make my whole payment per month. And she went over to explain it again but I still had to make the minimum payment, so how is this helping me. As a consumer and you provide a program that help people that's not the truth. So she explained the special XXXX program to me. And at the end she kept saying I have to make the minimum payment, if I make the minimum payment then why do I need to be on a special program. I don't understand if you have these programs out there to help people then why don't you tell the truth about it .my other credit card companies helped me
Company Response:
State: OH
Zip: 44319
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2023 -Capital one Account # XXXX Inaccurate -XXXX XXXX ( Original creditor : XXXX XXXX ) Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate XXXX Account # XXXX Inaccurate XXXX XXXX Account # XXXX Inaccurate -XXXX XXXX Account # XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Inaccurate All accounts and inquiries have inaccuracies. The report reference # XXXX. Report date XX/XX/2023 All personal information have Inaccuracies. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A