Date Received: 2023-04-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Violation of Consumer Rights under 15 USC 1692, 15 USC 1692F ( 6B ), 15 USC 6801 ( privacy policy ), and 15 USC 6802. EVERY VIOLATION IS {$1000.00} and at the moment we are 37 violations and counting not including the Statutory Damage Penalty being that this is the second time that Capital One Auto Finance has proceeded with said violations. My ( non public ) Consumer information was provided to a non-affiliated third party who I have never done business with or under any contract with. My vehicle and belongings were taken/ stolen/ whichever one of the terms you choose to use and twice. My property was damaged by the repo men ( have the footage on XXXX HD home security cameras ), 11 times they came and knocked on my door within 5 wks, they would drive past my property every day. I reached out to Capital One Auto Finance ( written ) but never received a response. I did not okay a repo and it was not granted judicially. Laws were put in places for a reason, no one is exempt from being a law abiding citizen. WE HAVE RIGHTS AND MINE WERE VIOLATED BIG TIME. But they chose the wrong battle.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
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: I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service And the hotel charges are not mine I did not stay there. The hotel has canceled all the stays because they did not had a room ready after 8 hours of waiting I was told they will refund they did not so I called the credit card They took the statement and resolved as soon as we hung up saying Too bad I have called them several times with new info but they just ignored me
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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 I purchased XXXX plane tickets at the CapitalOneTravel website with 3 upgraded seats in row 19 on XXXX XXXX, I was charged for the XXXX tickets plus {$220.00} for upgraded seats in row 19. When I checked my airline booking unfortunately the seat purchase did not go through and instead I was assigned free seats ( while my upgraded seats had selected were still available ). I then used the same card to purchase the seats again separately. On XX/XX/XXXX I called customer service to get a refund on the original seat selection I was charged for but never received. I spoke with XXXX XXXX ID XXXX, who after putting me on hold and checking told me the transaction had already posted and there was nothing she could do. I then asked to speak to her supervisor and after another 5-10 minutes she came back and told me her supervisor couldn't talk to me either because she couldn't help me. I have now been double charged a total of {$440.00} and need to be refunded the original {$220.00} I was charged on XX/XX/XXXX since I never received the upgraded seats I paid for. I have attached the receipt sent by capital one showing the {$220.00} they charged me for the upgraded seats and the XXXX XXXX seat assignment image showing I was not assigned the seats in Row 19 that I paid extra for but instead received a seat assignment of free seats in Row 13.
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX ( XXXX ), XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX, contacted me on XXXX stating I owed credit card debt from approximately XXXX. They said to stop pending legal action I must pay a small amount now then the entire balance. I paid {$200.00} and provided a credit card number. Since this call I found out, that Household Bank XXXX balance of {$1000.00} was charged off by Household Bank now XXXX XXXX on XXXX and the file did not indicate the debt was not sold to any third party collection agency. My understanding is that the statute of limitations is XXXX years for XXXX? If so, since the account was charged off in XXXX, XXXX years ago, how can XXXX threaten legal action some 20 years later. XXXX mentioned I made a payment in XXXX, but could not provide the information, nor the original balance due and fees added to total {$2300.00}. Household bank also stated they didnt have any file for me and owe nothing. Im very concerned, what should I do?
Company Response:
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a dispute with XXXX credit bureau on XX/XX/XXXX for a 30 day past due payment from Capital One. Payment was made before 30 days past due but due to the statement closing early Capital One reported this incorrectly. On XX/XX/ Capital One completed the XXXX dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX on all three credit bureaus reports. Now Capital One has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to XXXX incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a hard inquiry from capital one back from 2022. The account was removed from my credit report but for some reason the hard inquiry remains. I need this hard inquiry removed asap. From capital one to all 3 major credit reports. The account was opened fraud.
Company Response:
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ( XXXX ) I reported a fraud to Capital One on Monday XX/XX/2023. They created an investigation case. There is a hard inquiry shown on my credit report. The hard inquiry happened on XX/XX/2023, and the capital one credit account was created on the same day. But I never applied for any card from Capital One. I received the credit card in my mail box. ( XXXX ) I called Capital One XXXX Department today XX/XX/2023. The customer representative told me I have to wait for 90 days for the investigation result. And the investigation result may be delivered by mail or email. This is very frustrating.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Approximately XXXX years ago, I was approved for Capital One 's Quicksilver One credit card. My understanding that this card is generally issued to consumers who have fair credit and there is an annual fee of {$39.00}. As I was rebuilding my credit when I was approved for the card, the terms were acceptable. Now, however, I have good to excellent credit. I have paid this credit card on time each month. I have also paid the annual fee, however last year Capital One waived this fee. Now, I would like to advance to the Capital one Quicksilver card with no annual fee. I believe my on time payment history merits this change. However, Capital One refuses to allow me a product change to this card. Instead, they have offered a product change to a no fee miles card, the Venture One. I do not want a miles card and I resent Capital One pigeon-holing me into this card. In addition to the QuicksilverOne, I have three other credit cards serviced by Capital one. I have never been late with a payment on any card. I did make ONE mistake in choosing the incorrect payment account and a payment was return, but I corrected that error BEFORE THE STATEMENT CLOSING DATE. No late fee was incurred. I can not close this QuicksilverOne card without substantially hurting my credit because it is one of my oldest cards. So, I am forced to pay an annual {$39.00} fee that is excessive given my current credit profile and the card 's benefits. The alternative Capital One offers me is not as beneficial to me given my credit line and the alternative card 's features. I can apply for a new Quicksilver card, but this would result in a hard inquiry and hurt my credit. So, Capital One is holding my credit score hostage and forcing me to pay a {$39.00} annual fee. On XX/XX/, I spoke with XXXX in the XXXX XXXX department, who confirmed that the only card I am eligible to change to is the VentureOne card. Again, I can't use a miles card given my credit line and the card 's features. I also spoke with XXXX in customer service who stated that I am no eligible for the QuicksilverOne annual fee to be waived this year. WHY CAN'T I PRODUCT CHANGE?!!!
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023, I had a Bj 's credit card under XXXX XXXX with a balance of approximately {$3000.00}. Around XXXX, I s/w XXXX ( Bj 's # XXXX Ext # XXXX ) who confirmed that my account went into XXXX collections, and he transferred my call to collections. I spoke with XXXX XXXX ( XXXX Collections XXXX # XXXX ) He offered me a settlement proposal of {$2400.00} to resolve the debt. We spoke on their recorded line, and he confirmed multiple times that once I made the payment for that amount that The Bjs account would then have a XXXX Balance. He also stated I would receive a XXXX Balance letter in the mail within 12-14 days. He stated that the new Bank ( XXXX XXXX ) will see a XXXX Balance upon the transition. The cut-off time frame for the bank transition was around XXXX and if a payment was not made with him before that time, he would not be able to resolve my debt. I made the payment of {$2400.00} with my checking account at around XXXX. My confirmation # for my payment is XXXX. On or around XX/XX/2023, I contacted XXXXXXXX XXXX again to follow up that I have not received my XXXX Balance letter. I spoke to an agent named XXXX XXXX id # XXXX ) and he transferred me to XXXX ( # XXXX id # XXXX ) to open up a case # XXXX to follow up why I haven't received the letter. On XX/XX/2023 @ approximately XXXX, I was contacted by XXXX from XXXX XXXX collections ( # XXXX id # XXXX ). She stated that I have a Balance due to Bj 's in the amount of {$660.00}. She stated I have 2 choices. To have the amount waived off to XXXX Balance but my Bj 's account would be closed or either Pay the Balance which she can reduce the amount with a small credit ( less than {$100.00} ) and then I would be able to keep my Bj 's account active. I explained to her that I already made a settlement agreement, and I will be disputing the Balance. She advised that If I could provide a XXXX Balance letter it would resolve the matter. I have attempted to locate a letter mailed to me from XXXX but I am unable to locate any mail as I filed a claim previously stating that I haven't gotten a letter. I asked to have the call recordings released to verify everything that I am stating in regard to the agreement. I recently called XXXX and spoke with a supervisor named XXXX ( # XXXX id # XXXX ) who leadership advised her to tell me to contact XXXX XXXX in regard to this matter. I keep getting the run around and it's very frustrating.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In Feb/Mar XXXX prior to the Covid pandemic I had made a charge to my Kohls card for a purchase. I am single and not married and live alone and had to leave my residence at XXXX XXXX XXXX XXXX MA to care for an elderly parent with demential who was widowed and who was quarantined. A Kohls bill had been due to be paid and I had mistakenly believed the account was on auto-pay which it had been in the past and as I seldomly used the store credit card I did not realize the statement had been mailed to my home address. When I was able to return to my residence which was in a very high risk Covid area in my State where people were asked not to visit and to remain sheltered in place I noticed a bill in my mailbox and realized it was not paid. I immediately contacted Kohls and discussed the situation with them. They were able to remove some late charges which I appreciated but were not willing to adjust the impact to my credit report. Knowing that I would not be returning to the home again for quite some time I specifically asked to pay the account in full to pay the balance owed. At this time I felt the matter was resolved to my satisfaction. A couple of months later I returned to the home again and noticed another Kohls invoice in the mail. At this time after opening the invoice I realized that they had not in fact processed the full payment ( their was some residual owed ) and I believe this was intentional as the balance was minimal at the time and I provided my payment information and specifically asked them to take care of what I owed which they apparently did not. I asked for the payment provided over the phone to pay the balance off in full and I fully expect the company to properly process these payments correctly. I called them back again and asked for this to be settled and they did finally clear the balance and I closed the account. Unfortunately this error on Kohls behalf has seriously impacted my credit score. I have tried unsuccessfully on multiple occasions to resolve this with Kohls credit department which I believe is an absolute abuse due to the circumstances. I have also filed a discrepancy report with XXXX in XXXX of XXXX and no changes were made. The dispute # is XXXX I am more than willing to accept my responsibility for a single late payment which I did not make on time when it was due in XXXX. It was a simple oversight and as my FICO report reflects I have faithfully made on time payments to all my creditors for almost 20 years. However the back to back late payment blemishes ( 60 days ) on my record from Kohls due to their inability to process my payment correctly has significantly damaged my very long and virtually unblemished credit history. A fair resolution to this matter would be for Kohls to correct the reporting and take responsibility for failing to process my payment properly and remove the 60 day delinquency in XX/XX/XXXX. Simply crediting me for late fees is not an acceptable resolution. Furthermore I have requested an ( AW ) code be added due to the pandemic. It is absurd for this incident to damage my FICO score significantly during these times when we are talking about a mere {$200.00} which I had the full ability to pay had the call center processed it correctly. I believe far more leniency and forgiveness has been provided to Kohls consumers who had balances they could not pay and for consumers who have missed multiple payments throughout this pandemic. I find it reprehensible for them to simply send a boiler plate letter to dismiss my legitimate claim for arbitration in this matter. I believe this to be discriminatory to me as a former customer in good standing and I would expect that this situation be resolved accordingly.
Company Response:
State: MA
Zip: 01867
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A