Date Received: 2023-04-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I paid the full account balance of XXXX. When the balance was XXXX I selected the balance transfer option on the capital one app. It offered me 0 % interest for 12 months on a balance transfer with a 3 % fee. I selected that option and the balance transferred XX/XX/XXXX and I was assessed the 3 % fee on XX/XX/XXXX. On the XXXX and XXXX statements was charged interest on purchases. I have made no purchases. I only has the balance transfer which was to be XXXX percent. I spoke with capital one and they insist that offer didnt exist. That I instead had an introductory rate and it expired in XXXX. This is completely false and they refuse to honor the agreement. I escalated to a supervisor and was told there is nothing anyone can do and that the offer I selected never existed.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received a refund check from XXXX XXXX XXXX for {$840.00}. The check was deposited in my Capital One checking account on XX/XX/XXXX. However on XX/XX/XXXX a check deposit reversal was issued. Capital One stated the check was invalid. The check was from a XXXX XXXX XXXX XXXX checking account for XXXX XXXX XXXX XXXX The date of the check is XX/XX/XXXX check number XXXX. I asked Capital One why was the check invalid and they have yet to give me and answer. On XX/XX/XXXX I spoke with bank manager XXXX XXXX and she refused to give me an answer. She was rude, disrespectful and mean. No effort has been made to resolve this problem.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I needed to send a wire for {$17000.00} from Capital One bank. I tried to do it on Friday, XX/XX/2023. I have {$58000.00} in the account I want to wire from. It says you can send a wire from the web site which I tried but kept getting a message that read Sorry error occurred, please try again later ( paraphrasing here ). I called and spoke to a woman on Friday and she said she entered my number on a white list and authorized the wire so I should wait 15 min and then the wire would work. It did not. I tried again online on Monday, XX/XX/2023 and received the same error. I called again on Monday and spoke to XXXX employee ID XXXX. He said that he was unable to send a wire, that I needed to do it online. I said I could not do it online because their website was not working properly. He said there was nothing he could do. He told me he was the uppermost management person there that day so I was refused the option to speak to a supervisor. He suggested that I drive to a XXXX XXXX bank, use my Capital One debit card for a cash advance, and then put the money into the recipients XXXX XXXX account. I said I did not think that XXXX XXXX would allow me to do that. I also said that MY money was in Capital One bank and that I wanted to send a wire from MY bank. Not possible was the response I received. I asked if he could change the XXXX limit for a one time transaction and he said no. I asked if he could send a cashiers check to the recipient and he said no. I said its my money and my bank, I should be able to do this. No, was the final answer. Shouldnt I be able to send a wire from my bank?
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I didnt authorize this company to run my credit and now there is a inquiry XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My accounts with Capital One were compromised in XXXX of last year. I have checking and savings as well as a credit card. Everything was cleared up and the money has been replaced. I just want to close my account and get my money back. I have verified the account several times with my ID and they keep telling me to go to the branch, which there are none of in my area. I just want to close my accounts and get my {$16000.00} back. I have been getting the runaround from these people for the last several months. I have submitted my id several times and yet they keep telling me to go to their nonexistent branch.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX my account was limited due to a red flag to the checking account. While contacting the bank, they said they would have to look into my account because I was making too many deposits. They said the account was closed and that I would receive a check with the remaining funds on my account within 7-10 days. The amount of the funds is an approximate of {$22000.00}. I waited 10 days before contacting the bank again because I didnt receive the check yet, they said the check hasnt been sent and they were still looking into my account, when it was supposed to be closed already. They said they would pass a note to say I was expecting my check and that I would receive a notification ( didnt say where ) when the check was sent. I havent received a notification, nor the check.
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Following up my latest complaint with CapitalOne which ended in receiving my money at a date over 30 days behind the maturity of my 90 days instrument- Im encountered embarrassing times of denial of accepting my Quick Silver Card while shopping. By trying to find an explanation by calling CapitalOne, I got nothing. Also, I tried to apply for another card with the same entity, which I well qualified for after presenting the necessary requirements of which it was finally uploaded successfully, after CapitalOne chose not to accept it, and requested another upload several times. Finally, I got a notification that my application was accepted. But later, CO reneged and demanded re-uploading my documentation. This is a clear abuse and intimidation.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: Case Nos : XXXX & XXXX CapitalOne, XXXX 's took over the XXXX 's program from XXXX XXXX XXXX in XXXX of this year. I had filed a dispute with the latter on XX/XX/2022 as well as a complaint with the XXXX. I had written many letters to XXXX XXXX and they never investigated or resolved the dispute in 5 months. Instead they transferred everything to CapitalOne. Now comes CapitalOne and it is asking me to pay for the never investigated or resolved disputed amounts of {$2300.00} & {$2100.00} to merchant XXXX XXXX for services not rendered. CapitalOne insists on initiating a new dispute which should not be. According to federal law a financial institution has 90 days to respond to a dispute and if the merchant is contacted and never responds it forfeits the amounts disputed. As XXXX XXXX XXXX never investigated, or if they did, the merchant did not respond thus canceling the transaction outright. I have asked CapitalOne to obtain all documentation from XXXX XXXX to be able to determine what they did or did not do thus allowing us to solve this old dispute once and for all. They have failed, refused or neglected to do so and now insists I must pay. They have also billed my account for the outstanding amounts which, by the way, XXXX XXXX never even issued temporary credit as required by law. Since CapitalOne acquired all rights to the XXXX 's credit card program they should honor my original dispute and either charge back XXXX XXXX or demand they turn over any and all documents they possess having to do with my original dispute of XX/XX/2022. CapitalOne has been provided with my many certified, return receipt letters to XXXX XXXX and yet, instead of accepting the original dispute they wish to proceed with a new one and refuse to get back to XXXX XXXX for all proper documents pertaining to their investigation of lack thereof. Since XXXX XXXX has not sent anything to CapitalOne and never bothered to even investigate or give me a definitive answer, CapitalOne should issue temporary credit and deal with XXXX XXXX instead of expecting me to take up the matter myself. This is not proper banking practices as they just want to drop the dispute on my lap and not do their due diligence themselves.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: The vehicle, a XXXX XXXX XXXX, was paid off as of XX/XX/XXXX. Capital One Auto Finance, the lienholder, insisted by phone that they provided the California Department of Motor Vehicles with a release of lien, which they did not. They blamed the DMV for the delay in receiving my title. I checked with my local DMV desk at a XXXX office earlier this year and they confirmed that there was still a lien of " {$0.00} '' against the vehicle.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A