Date Received: 2023-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a Savor Rewards card. I reached out previously last year about issues with my card due to deceptive practices. The issues were mostly resolved when a member of the leadership team reached out to me. My period with no annual fee has now ended and I am still unable to move from a Savor Card into a Savor XXXX card ( according to customer service ) and have now gotten hit with the annual fee. It doesn't make sense for me with the small amount the card is being used. The rewards do not really offset it. My expenses are now much lower now due to the coronavirus / economy having a large effect on my employment. I never would have gotten this card in the first place but I thought I was signing up for the " Savor XXXX '' card, not the " Savor '' card, it turns out it was actually the regular Savor card. ( The website is very deceptive and little is done to differentiate the cards ) This is the initial main issue, I am now locked into this card ( Savor ) paying an annual fee which I never knew about and never would have signed up for if I knew. ( Savor XXXX has no annual fee ) Customer service is unable to assist me and I am now locked in this card with no way out besides paying the fee or taking a large credit hit by canceling the card. Are you able to either convert me into Savor XXXX or offer any assistance in these difficult economic times with the annual fee? I have been a valued customer of over a decade with no missed payments for and excellent credit and have not been happy with the service I have received since getting this card. Thanks
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX I received a pre-approval from Capital One for the Quicksilver card. The benefits were zero percent APR for 15 months and {$200.00} bonus after spending {$500.00} within the first 3 month. I checked today and saw my Zero APR ends XX/XX/2023, 9 months. I called and verified that I qualified for and received the pre-approved offer for the exact card. I also spent {$500.00} within 3 months of opening the account. I was told I wasn't eligible for 15 months zero APR or the {$200.00} bonus without any explanation except that I didn't get that benefit and if I read the " fine print ''. I see nothing that says the benefits are conditional and not given to everyone who qualifies for that particular card. None of the Quicksilver cards offer no annual fee, zero APR or {$200.00} bonus but the one I have yet, I didn't get the 15 months or {$200.00}. When I completed the application there was nothing that informed me that I didn't qualify for these benefits either.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital one took a payment on XX/XX/23 and due to a banking issue it was returned XX/XX/23 and corrected on XX/XX/23. The account was closed on XX/XX/23 and reported to my credit reporting. I am protected under the SCRA act and this card is honored by capital one under that. When called to explain the situation and SCRA credit protection, I was told they do not know much about it but that it violated terms and conditions at the time of opening.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I attempted to pay my Capital One Card ending in XXXX off, I paid {$2800.00}. On XX/XX/2023 I saw that my card had a balance of {$45.00}, I called Capital One and asked how much more was required to pay off the card? I expressed my goal was to stop paying interest, the agent told me XXXX something dollars was required. While on the phone with the agent I tried to pay that amount, and I received an error message stating I could only pay {$50.00}. When I told the agent I was not able to pay to XXXX something due to an error, he had no explanation. I requested a manager / supervisor, a female joined the call, and I told her I believe the agent was miscalculating the interest. I also explained I am employed by a major bank, and it is not that hard to provide a payoff amount. The alleged manager / supervisor told me she coached the agent on his error, and explained there was no way for them to provide me with a payoff amount. I told her that is not right, and I believe they are preventing me from paying the card off. I believe they are trying to take advantage of me financially, to keep the interest going. In my opinion Capital One is being deceptive! Capital One just like any other financial entity has the tools to provide a payoff amount. Please investigate Capital One, and their shady tactics to generate interest even when a customer tried to pay their account off.
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Complaint against XXXX, XXXX, XXXX, and Capital One for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and Capital One for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my Capital One credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against Capital One and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and Capital One regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. I have already tried to resolve this issue directly with XXXX, XXXX, XXXX, and Capital One but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. Link to the Cyber Attack Explanation from Capital One XXXX XXXX XXXX XXXX Sincerely,
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Capital One Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The ONLY negative on my credit report is a late payment to Kohls Department Store. It happened recently and they showed one late payment 3 years ago as well. It is obvious by my credit history that I pay all my credit cards balances off as soon as I receive the bills. I do not and have never agreed to e-mail billing with Kohls. Every time I have called Kohls Credit Card Services, I explained to the Customer Service Representative I wanted paper billing, and they agreed to that. Each time I was aware of a balance due, I paid it off in full. The only time I missed a payment is when I did not receive bills from Kohls. Please refer to my credit history. I should not have late payments documented on my credit report when it was Kohls fault that I did not receive a bill in the mail where I would expect to find it. Please remove the late payment from my credit report.
Company Response:
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: CAPITAL ONE Last reported XX/XX/2023 {$470.00} Reported balance Credit limit {$300.00} You're using 158 % of your account 's limit
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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 and XXXX of XXXX I went on a XXXX XXXX. There was an issue with my XXXX XXXX XXXX card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX XXXX from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. Capital one allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A