Date Received: 2023-04-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 ; Ive had this card for business purchases for over 20 years, Im self employed. CapitolOne randomly closed my account without any notice. I called them when I was declined on an auto debit, which is how I found out it was closed. I spoke to XXXX people including a supervisor. Both said they have nothing in the system as to why but I would get a letter in the mail in XXXX business days. This was 19 days ago and no letter yet. Closing a long time credit card impacts my score. I feel they closed my account since they arent making money on me since I pay in full before the 30 days. I earned points so I was an expense to them. However to just randomly close my card, without notice, when I have many auto debits that come out really messed me up! I ended up going to my Credit Union and opened another card which came pretty quickly. I dont want to se this happen to anyone else so Im reaching out.
Company Response:
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I keep getting emails from XXXX that wants me to click on a link or something would be deactivated. I've searched the company website for information and it provides none. I attempted to contact the company in writing, but they do not provide an email address. All correspondences must be done in writing to protect both sides. I simply want to know if this is a valid email that is being sent or if it is SPAM. Don't understand why the company can send emails to me but won't allow me to email them. I guess complaints are the only way to ensure that everything is correctly documented.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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 XXXX XXXX XXXX XXXX XXXX XXXX I purchased flights for 3 passengers on XXXX XXXX using my Capital One Visa credit card for a total amount of {$1700.00}. The purchase of the tickets was facilitated by Capital One using Capital One Travel. The terms of booking explained at the time that I could cancel the purchase within 24 hours and receive a full refund. The next day, I decided to cancel the purchase and initiated the process through Capital One Travel, but was directed to cancel directly through XXXX. I then accessed the reservation on XXXX ' website and cancelled the reservation within 24 hours. On XX/XX/20XXXX XXXX XXXX XXXX I received an email from XXXX saying that my request was received and a refund for my cancellation of the reservation has been processed to the original form of payment. By XX/XX/2023, a refund was still not reflected on my credit card. I contacted Capital One, initiated the dispute process and the {$1700.00} charge was credited to my account ( XXXX XXXX. XXXX ). However, I was informed on XX/XX/2023 by Capital One that, based on information from the merchant, the charge would be reapplied and the case closed. I subsequently had numerous conversations with Capital One representatives and provided documentation supporting my position including copies of the email receipt of purchase, the email from XXXX evidencing cancellation of the reservation within 24 hours, and evidence of the terms of purchase reflecting the ability to cancel within 24 hours of purchase and receive a refund. However, Capital One ultimately determined that the information I provided was insufficient because I did not provide some additional information evidencing the cancellation. I have since learned of the confusing relationships of the various parties involved in this purchase. XXXX informed me that it, in fact, cancelled the reservation as I previously described and issued a refund to the original form of payment. However, the original form of payment was apparently a XXXX XXXX that is not mine. It appears that Capital One uses a 3rd party called " XXXX '' to handle the travel purchased through Capital One Travel and it appears that XXXX charged my credit card and then purchased the tickets on XXXX using its credit card. XXXX has since received the refund issued by XXXX, but not passed it on to me. Although it facilitated this purchase and created the structure enabling me to purchase these flights, Capital One is now washing its hands of the problem, refusing to accept the evidence supporting my dispute, and refusing remove the charge of {$1700.00}. I am in an unwinnable situation. I am entitled to the {$1700.00} refund under the terms of purchase, but Capital One is refusing the dispute. I am left with paying this charge that I'm not obligated to pay or refusing to pay the charge which will result in the continued accrual of interest and penalties, the possible damage to my credit score and collection proceedings. I'm looking for any assistance you can provide.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency XXXX are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing to lodge a formal complaint about the interest charges that have been imposed on my credit card account. Since XX/XX/XXXX, I have been charged interest fees each month without any resolution. I have contacted Capital One Bank regarding these charges but have been given unsatisfactory answers and told that they were caused by a cash advance transaction made by the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. However, I do not have the cash advance option on my credit card, nor have I ever been provided with a PIN for cash advance services from Capital One Bank. When I tried to withdraw cash from my Capital One Credit Card, the ATM did not authorize me to withdraw cash as I did not have the required PIN. Despite my repeated attempts to bring this issue to their attention, I have not received a satisfactory response or resolution. Below is the list of the interest fees that have been charged to my account each month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These charges are unjustified and unfair, and I do not believe that I should be held responsible for them as I never authorized the cash advance transaction in question. I have spoken with a customer service agent who informed me that the XXXX processed the transaction as a cash advance transaction and that Capital One Bank can not dispute the charges. However, I believe that Capital One Bank should take responsibility for the charges and resolve this issue as soon as possible. I am extremely disappointed with the level of service that I have received from Capital One Bank, and I request that this matter be resolved at your earliest convenience. I would appreciate your assistance in this matter!
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I closed my capital one secured platinum card and paid the balance in full. It has been over a year and they refuse to send my XXXX dollar deposit back. They had me send various documents and told me I would get the check in XXXX weeks. I have sent them these documents 3 times. Now they are requesting them again. They will not givee my refund.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: When I called this number, the call just dropped. When he called me yesterday, he asked some personal information. At the end, he was asking of my bank password and I refused to give it to him. He insisted then I cancelled the call. I was checking and there's no such thing connected to the capital one. I emailed and asked for the link of their business website. I have not received any response. Please take note of this. I have the flyer he sent to me through email. If you want I can email it to you. Thank you. XXXX XXXX Branch Manager, Capital One Finance, TOLL FREE NUMBER XXXX ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Dear XXXX, Thank you for your interest in capital one finance. We have received your application for the Loan and will review your materials thoroughly. We are highly pleased to inform you that your application for a loan of {$8000.00} has been approved by the us.Kindly Check the attached funds approved letter attached. I hereby request you to Kindly get in touch with us at XXXX ( XXXX ) XXXX to complete all the formalities so that the loan amount can be credited to your account.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Capital one bank has suspended my credit cards for making a payment in full. 2 weeks ago I made a payment and they insisted that I conference call in my bag and verify that I'm the owner of that account which I did. Today I made 2 more payments to pay recent charges in full and they suspended by accounts and insisted that I have to upload a bank statement from where the payments coming from to verify that I am the owner of the account. This is the same account which I verify under 2 weeks ago. I don't believe the bank has the right to see my other personal bank statement to verify that I'm the owner, nor do I believe that they should think making a payment in full is a suspicious activity and suspend the use of my card. They gave me no explanation why I had to verify the account other than suspicious activity and why one time it was OK to verify via telephone but now they need me to upload a full complete bank state. When they first notified me of this, about 3 or 4 days ago, they said all I needed to do was upload a screenshot of the account showing that the payment came out of my account, which I did. Now they will not accept that same proof. I'm reluctant to use the card and may have to cancel it because I feel every time I make a payment they're going to ask me for a bank statement, which I believe is none of their right to require. I've had this particular card for close to 30 years and I feel severely mistreated and disrespected by this bank. Please let me know If Capital One Bank has the right to ask me for a statement from a different bank to prove that I am the owner of the account from which I make payments.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Credit Card account with Capital One. Opened 6 months ago. I have not had access to my account nor been able to use the card for the last 5 months. I have been told my account was restricted. I disputed an unauthorized charge on my account and the dispute results were found in my favor. It wasn't until I disputed the charge that my account was restricted & I was asked to verify my identity. I have been asked to re-verify myself by means of identification which I have done prior to establishing any accounts with Capital One. In order to establish accounts this information must be provided so I am very much aware that my identity thru my social security number & proof of residence was given on my credit application which was approved. It has become very embarrassing having to Prove my identity time after time just to maintain an active and unrestricted account. I am not even able to make payments on my account which in turn affects my credit score with Capital Ones reporting to the Consumer Reporting Agencies. I have Called several times in order to have this issue resolved. I've been verified by multiple agents already in this situation & yet I still have no regained any access to my account which I was approved for a credit limit of {$2000.00} I have not went over my credit limit & the interest charges are adding up to more than I've actually spent on the card. When I call Customer Service to get help or speak to someone who can assist me, I'm told that I have to resubmit my identification each time I call. This seems to be a targeted thing for me due to my mother & brother also having accounts with this Bank & not having to go thru the same ordeal as I do. My girlfriend is also a customer of theirs and she's XXXX I've personally sat next to her 4 times and recorded how quickly she's able to gain access to customer support. This has truly affected my credit score, my banking relationships & my Ability to stay on time with my monthly payments made to this bank for a credit account extended to me. The results of the dispute were in my favor I do not understand why I still have to verify the identity of myself when I am who I claim to be.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital One tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXXXXXX XXXX as well as XXXX and XXXX XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A