Date Received: 2023-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Let me start by saying I have been a longtime customer of Capital One since they were XXXX XXXX and I was starting my college life. I have never thought about using any other banking institution for my personal or business affairs, until now. I have been having a claims dispute with a merchant, The XXXX XXXX, since XX/XX/XXXX. This dispute was due to the merchant charging me twice for 1 massage service at an introductory price of {$56.00}. I paid for the service on XX/XX/XXXX upon scheduling through my XXXX account which is directly connected to my Capital One checking account. On the appointment day, XX/XX/XXXX, I was charged again at point of sale because the young lady said she had no proof in the computer that the service was paid for. After she checked twice, I was confused & gave her my debit card. As soon as I got home I was able to check my bank account to confirm my initial payment. Therefore, I contacted the owner, XXXX, who assured me that she would make the corrections after offering me a credit. I refused the credit and asked for my refund instead. In the meantime, I contacted Capital One to initiate a claim dispute. Claim # XXXX was the number given to me by Capital One. I spoke with a representative in the Claims Dispute Dept, who told me that he saw the 2 separate transactions for the exact same amount of {$56.00}. Of course, I am thinking all of this has been resolved after sending the receipts and emails in to XXXX. On XX/XX/XXXX, I received a letter from Capital One stating that my claim has been denied and they are believing the owner of XXXX XXXX XXXX that it was my user error and that is why I was charged twice. How can it be my user error if one charge was via computer on XX/XX/XXXX and the other was on location at point of sale on XX/XX/XXXX??? I have spoken to several representatives in the Claims Dispute Dept. Each person has said something different ( I am sure these calls are recorded ). On XX/XX/XXXX, I spoke to XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX @ XXXX. One of them even implied that the XX/XX/XXXX purchase was for other merchandise, as if I am lying. They are unfairly closing the case and extending the worst customer service ever. I have all the proof of being charged twice. I have even contacted the Capital One corporate office and spoke to their representative, XXXX, to no avail. Please assist and thank you in advance.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Capital One - XXXX and XXXX XXXX credit card I have checking, savings ( XXXX savings accounts ), and credit cards with capital one - I have been with Capital One checking savings for XXXX years. I liked the convenience of having everything under Capital One 's roof. I received a 0 % balance transfer from Savor - my XXXX credit card had a XXXX balance. I transferred XXXX to the XXXX card ( my credit limit is XXXX ) in late XXXX XXXX ( XXXX percent interest rate for XXXX year ). The XXXX credit card had not been used in a while ( XXXX balance on this card ) - I forgot that I had paid off the balance in full, which draws from my capital one checking account. I did not have enough in my checking account to cover the balance- it was rectified the next day. I received 2 letters in the mail stating that my XXXX and XXXX XXXX credit card activity is not consistent with our expectations of usage and violates the Capital One customer agreement. My XXXX XXXX had a {$290.00} balance with an automatic payment set-up. I have never missed a payment and have since paid this credit card off entirely. I called Capital One - the first person I spoke with told me I was charged with first-person fraud ; I had never heard of this and asked them to explain, which they could not. I had to XXXX it. The second person I spoke with stated it WAS NOT first-person fraud- it was company policy, and it was in my best interest to pay it off in full. The third person I spoke with could not tell me anything at all- they stated it was just company policy and they couldn't do anything about it. To recap, no payment is due on the XXXX account ; the transfer is less than 60 days old. I then went to Capital One Fraud Department, who told me they were just being honest with me - that Capital One had charged me with first-person fraud, it would impact my credit score, and it was in my best interest to pay it off. I have no recourse - no ability to dispute this charge, there is no one left at Capital One to discuss this with, and my XXXX and XXXX XXXX accounts were closed. I am now nervous about what power this company has over my banking/savings accounts. I will be moving to another provider and learned lessons about putting everything under one banking company. Is there any assistance or advice? I have good credit, make on-time payments, and have over a decade 's worth of Capital One data/history with this company. I am so confused about how I am charged with first-person fraud. Capital One has taken my credit cards and my credit score hostage and has told me that it is in my best interest to pay this off ASAP. Once again - I just transferred this late XX/XX/2023, and it is XX/XX/2023. This can not be legal, and I need to understand my rights. Please help!
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secure credit card via Capital One to gain secured line of credit during the time as being an account holder : ~Charged Me XXXX but I pay XXXX per month to use the card. You can not go over the secured amount of XXXX ~They are not using my funds to pay transactions ~They refuse to disclose all secured credit account then charge fees that are not disclosed in any documentation nor website ~They lie to the credit bureau and attempt to exhort exorbitant fees. ~They put you in danger trying to find an ATM by locking your card unnecessarily in an emergency situation
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Balance transfer of XXXX was requested on XX/XX/XXXX from Comenity Bank Balance transfer was canceled/ stopped on XX/XX/XXXX Check was disbursed by Comenity on XX/XX/XXXX Clear XXXX XXXX XX/XX/XXXX Funds returned to Comenity Bank on XX/XX/XXXX Balance transfer fee of XXXX appeared on XX/XX/XXXX Statement Return of balance transfer of XXXX appeared on XX/XX/XXXX Statement Numerous attempts were made to have Comenity credit the fee of XXXX also the accumulated interest, that was the result of the unpaid fee of XXXX Statements have been paid in full each month, excluding fees and interest due to the unpaid balance transfer fee of XXXX Complaint was issued with XXXX and as a result Comenity issued a credit for the fee of XXXX and a partial credit of XXXX on accumulated interest, leaving a balance of XXXX in interest. Comenity issued the credit on XX/XX/XXXX. Credit posted to XX/XX/XXXX Statement, leaving an unpaid balance of XXXX in disputed interest. The disputed unpaid interest of XXXX generated an additional interests and fees of XXXX, a total of XXXX, as of XX/XX/XXXX Statement XXXX XXXX became the servicer of the account as of the XX/XX/XXXX Statement and XXXX XXXX has proceeded to charge XXXX in interest. Bringing the disputed interest and fees to XXXX Comenity indicated in their correspondence of XX/XX/XXXX : " We've reviewed the relevant telephone calls [ XX/XX/XXXX and XX/XX/XXXX ]. We found instance ( s ) where your concerns were not addressed to our standards. '' Comenity failed to stop the check before or after it was disbursed Comenity refused to acknowledge that their standards were not handled properly before XXXX contacted them in XXXXXXXX XXXX XXXXXXXX. Balances on each Statement Period were due to the " disputed interest and fees '' Interest began to be charged on XX/XX/XXXX Statement, four months after dispute and two months after disputed amount appeared on the XX/XX/XXXX Statement I have been contending with Comenity from XX/XX/XXXX until now As to date, between Comenity and XXXX XXXX the disputed interests and fees is XXXX
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There are multiple fraud disputes with this account and I have tried resolving this issue with Capital One and they are unable to assist me with this transaction because they are claiming there is no evidence of fraud on this account. 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 XXXX XXXX} All these transactions was listed as not fraud by Capital One and now I'm told I'm responsible for all these transactions when it was not made by me.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: Capital One has been reporting my scheduled, on time, auto payments as late to all three credit bureaus since XX/XX/XXXX thus affecting my credit score. I called customer service to inquire about the discrepancies and was transferred to theirs Collections Department. A collections representative advised there was nothing that could be done about this because of the auto payment program which I am enrolled in. Capital One is taking my on time payments and continues to report them as late, based on an auto payment plan they provided to me. My credit report reflects 150+ days late to current date, XX/XX/XXXX, because of Capital One.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. XXXX XXXX, XX/XX/2022.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Convergent, Capital One has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 XXXX XXXX garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Adverse Action was taken against the consumer. I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a Auto laon for extension of credit.. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A