Date Received: 2023-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I learned that my statement was reflecting an incorrect payment date, due to CONCERNING DISCREPANCIES seen in my online account and billing statement, I requested assistance and direct contact information for the dispute department. The representative who took my call upon transfer REFUSED to give me the appropriate contact information, thus violating my consumer rights and preventing need an opportunity to send in documentation. In total I was in the phone over 40-minutes. The representative would not provide the necessary information required to enforce my rights as a consumer. Im concerned that Capital one may be involved in fraudulent activity as my concerns to have the suspicious and inaccurate information in my bill investigated.
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit card with CapitalOne. I was paying on time, then around month XXXX or XXXX I started receiving late notifications. I contacted CapitalOne regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had two transactions that were disputed that were also reversed which resulted in my account being negative and restricted because it was past 56 days negative. I've provided the proof for these accounts one was XXXX XXXX which was a closed account due to fraud/stolen device so I disputed the charge associated with this account and also sent the email confirmation from XXXX representative stating this account was closed and reported as theft. I still haven't seen my credit given back for the reversal of my original dispute. And the other was for a XXXX hold that never dropped from my account. The general manager had indicated that charge should fall off but it never did. Claim XXXX and XXXX XXXX XXXX Charges currently in dispute Claim XXXX. Capital One is refusing to approve these claims despite me providing the correspondence I had with both of the merchants. I don't know what else to do. The customer service reps are refusing to acknowledge these unauthorized/fraud transactions.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I want to remove any late payments in my Capital One account, XXXXXXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX XXXX
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recently consolidated all of bills and regular payments through an account with XXXX. I have been using this account for my mortgage, utilities, credit cards payments, etc with no issues. I updated my capital one auto payments recently. They payments were returned and i thought it was an error so I resubmitted them. After they were returned again, I called capital one to find out what the issue was because I have used my brokerage account for other card payments. They told me the payments were returned by XXXX because the account is not transactional. I made a payment over the phone via another account and adjusted my auto pays to a different bank. Immediately after, capital one restricted all of my accounts and sent me fraud letters stating that they were permanently closing my accounts because I was not meeting their expectation as a customer and accusing me of fraud ( via the title of the letter ). I am complaining because they barely gave me the chance to correct what may be a completely administrative issue on the side of either bank. I did not try to defraud them - I made a good faith effort as a consumer and they immediately assumed fraud. I would like them to reopen my accounts so I can close them myself and I would like the totally unsupported accusation of fraud removed from my records. They jumped to conclusions even after I explained what happened. This had been a terrible customer experience and even getting a human on the phone was no help because they just read the fraud letters word for word.
Company Response:
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was marked as deceased in the credit lines and it was false information when im alive and trying to apply for credit but they give me false information that i am deceased.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are. Several error on my report. that are erroneous and must be deleted as per FCRA rules and law
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. Capital One employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX and was removed off my credit back in XXXX. It keep showing up on my report.
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: I was contacted via email offering for me to refinance my auto loan with a lower interest or payment. I responded and provided all information. The process to pay off my previous lender was tedious and required multiple phone calls to Capital One. The payoff occurred later than agreed. I contacted Capital One Auto who informed me that the first payment on my new loan with Capital One would be due XX/XX/XXXX. XX/XX/XXXX I began getting notices that my payment was late and I would incur a late fee. Capital One called me on XX/XX/XXXX I spoke with XXXX at Capital One. The call was incoming to me from XXXX at Capital One. XXXX verified the payment was to be due on XX/XX/XXXX and was to update the account accordingly. The update never occurred. I emailed and called Capital One on Monday, XX/XX/XXXX. I spoke with an account representative in the executive resolution department who verified the account was to be due on XX/XX/XXXX and I was told that the update XXXX processed took 48 hours to reflect in the system. I was told not to worry and that Capital One didn't want to lose me as a customer. As of today I am again being charged a late fee and the update for when the first payment was to be due has not been reflected in the account. I paid my XX/XX/XXXX payment on time and as agreed. The first payment on the loan was to be due on XX/XX/XXXX. Capital One delayed paying my previous lender in a timely manner leading to this situation. I considered cancelling the refinance when the process was delayed and was assured my first payment would not be due until XX/XX/XXXX as the delay was not my fault.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Subject : Urgent : Assistance Needed Regarding Closed Credit Card Account Dear Customer Service, I hope this message finds you well. I am writing to address a concerning issue with my credit card account. Recently, I discovered that my credit card account has been closed due to inactivity. I want to emphasize that I have maintained an impeccable payment record without any late payments or issues with the bank. Despite being an elderly woman, I may not use my credit card frequently, but I have consistently upheld a good standing credit throughout. Upon contacting your customer service, I was informed that the account closure was a result of inactivity. However, I never received any prior warning through mail, email, or phone call. The only communication mentioned was a single mail sent to my current address XXXX year ago, which I did not receive. I find it unacceptable to close an account based solely on XXXX communication, especially when it was not received. I have been a loyal customer, and I believe my credit history reflects my responsible financial behavior. I kindly request your assistance in recovering my credit card account. I believe that the circumstances outlined above warrant a reconsideration of the decision to close my account. It is disheartening that my plea was refused when I contacted your customer service. I appreciate your prompt attention to this matter and hope for a swift resolution. If necessary, I am willing to provide any additional information or documentation to support my case. Thank you for your understanding and cooperation. Sincerely, My card info is : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX mailing address : XXXX XXXX ct, XXXX CA XXXX. phone number : XXXX thank you, Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A