Date Received: 2023-04-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for a Capital One/Menards Big Card via Menards website . I received a letter directing me to call the fraud department to provide more information. Upon receiving the letter I noticed that there was a mistake and my last name was duplicated on the letterhead. I called and was told that the duplicated name was the issue and I would receive a reply in two weeks. I then received a letter asking for proof of income and tax return information. I sent it to them I then followed up several times and was told I would receive a letter in two weeks. I never received any letters from this point. The reason I am filing this complaint is because I don't understand why I would be denied the card. At the time having just under an 800 credit score and a 100 % on time payments record. I also have other Capital One credit cards, even had an auto loan through Cap. 1 without any issues. I believe that I deserve an explanation why I can't get a card from a store that I purchase thousands of dollars a year on home improvement products from. Thank you for looking into this for me and my family. XXXX XXXX XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Capital one violated my rights. An accordance with fair credit reporting act capital one has violated my rights, U.S.C 1681 section 602 A, states i have the right to privacy. U.S.C 1681 section 604 section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any payments.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was with capitol one and was struggling to pay my capitol one bill. When I thought it was free money and its not u got ta pay it back thats my my father who is no longer with me who passed away told me not to have one and Im vulnerable to a lot of things I dont think clearly when I see good deals then I get in trouble for mishandling the credit card issue as im XXXX and dont have a ton of funds. Im XXXX and im different than others I dont think too much when I do things that are not ok. When I told the credit card company capitol one I couldnt pay it they wouldnt help me I had to dip into my ira account which costed me interest on my taxes I just thought they could wave the balance I had a rough time when my father passed away ever since then I havent opened up a credit card I will never do it again its just a bad habit wish they could have helped me out
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XXXX XX/XX/XXXX, my Capital One credit card statement said that XXXX charge my credit card {$530.00}. Since my XXXX account was inaccessible for many years, I assumed someone hacked into an archive XXXX account and fraudulently charged my credit card. Hence, on approximately XXXX XX/XX/XXXX, I contacted Capital One and reported a fraudulent charge. To my great surprise, Capital One said the charge was legitimate. At a minimum, Capital One should have at least contacted me before allowing the charge because : 1. The charge was over {$500.00}. 2. XXXX was using a credit card number that was no longer valid. 3. At least twice, Capital One had rejected XXXX trying to charge me : On approximately XX/XX/XXXX XXXX unsuccessfully tried to charge me for {$470.00} for their website and, on XX/XX/XXXX, XXXX tried to charge me {$59.00}, but Capital One asked me if it was legitimate to which I replied it was not. 4. The amount was different than what was charge before. 5. The name of the product was different. Below is the opening statement of the XXXX document that XXXX sent to Capital One to prove the charge was legitimate. However, the XXXX statement supports my claim that the charge was not valid. See below : THE XXXX STATEMENT DID NOT POST HERE 1. The above says that I had made previous, undisputed purchases. All the previous purchases, expect for the original, were made fraudulently and I was unaware of them. Capital One did contact me about two XXXX accounts and I told Capital One that they were fraudulent ; consequently, Capital One refunded my money for those two charges. I even sent this information to Capital One 2. The above, dated XX/XX/XXXX, states : Products purchased may be refunded only if cancelled within the following timeframe : Annual Plans + - within 30 days of the date of the transaction Clearly, XX/XX/XXXX is + - within 30 days of XX/XX/XXXX. 3. The above states that the cardholder received products and/or services without payment. The www.rielygirls.com website has been inaccessible for many years. Hence, I did not receive any products and/or services even though I was fraudulently charged. I had written to Capital One that The domain site has been XXXX for years. Because Capital One refused to disallow the {$530.00} charge from XXXX, I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX for XXXX XXXX concerning my situation with XXXX. XXXX XXXX, from the office of the CEO of XXXX, responded to XXXX XXXX XXXX e-mails with a litany of XXXX the attached XXXX. When it became clear that XXXX XXXX had no intent of doing the right thing, XXXX XXXX suggested that I contact the AZ Attorney General XXXX. I then contacted the AZ Attorney General XXXX XXXX and Complaints office. When it became clear to that office that XXXX XXXX was not going to address my main issues, the office said, Our Office represents the State of Arizona and is prohibited by law from representing individual consumers. They also gave me information so that, If you decide to hire an attorney and pursue this case on your own, here are some helpful Arizona resources to assist in your search : ( See XXXX. ) Therefore, it was quite clear that the only way I was going to get resolution was to file a law suit on my own. For clarity, I am going to give a brief history of the process I have encounter in trying to seek justice XXXX XXXX. Around XX/XX/XXXX, I noticed a charge {$530.00} on my Capital One credit card. Since the website www.therielygirls.com has been inactive/inaccessible for many years, I thought someone hacked into an archived XXXX account and fraudulently charged my credit card. Subsequently, I contacted Capital One and told them the {$530.00} charge was fraudulent. Capital One contacted XXXX and they said the charge was legitimate. Having no success with Capital One, I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX for XXXX XXXX concerning my situation with XXXX. XXXX XXXX facilitated an e-mail communication between XXXX XXXX, from the office of the CEO of XXXX, and me. His responses were replete with lies and misleading statements. Having no success with the XXXX XXXX XXXX XXXX for XXXX XXXX, XXXX XXXX suggested I contact the AZ XXXX XXXX. I contacted the AZ AJ Consumer Information and Complaints office and they facilitated e-mail communications between XXXX XXXX and me. Since his responses were replete with lies, it was clear to the AZ XXXX office that the communications with XXXX XXXX were futile. The AZ XXXX XXXX then told me that by law they are forbidden to represent a single person and suggested I seek legal help. Consequently, I subpoenaed XXXX XXXX. However, he did not respond to the subpoena. I then found the name and address of the CEO of XXXX, XXXX XXXX, on the Internet and subpoenaed him. The XXXX XXXX XXXX XXXX XXXX said the subpoena was successful and gave me a date and time in XXXX, XXXX. When I arrived at the court, my name was not on the docket. When I went to see why, I was told that the mail saying the subpoena was successful was sent in error. Because of the above, I felt the information concerning the CEO of XXXX was valid ; consequently, I contacted XXXX XXXX XXXX to serve the CEO of XXXX. When XXXX XXXX XXXX went to the address given, they found the building had been closed for months. XXXX had moved from XXXX Arizona to XXXX Arizona. I then, again, contacted XXXX XXXX XXXX to serve XXXX XXXX XXXX XXXX XXXX Arizona address XXXX When they arrived at XXXX, the process server was told, among other things : Security stated that it is their policy to not cooperate with service of process Security will get notice to individuals if the documents are accompanied with a court order On XX/XX/XXXX, I went to the district court of XXXX XXXX to see if I could get a court order to accompany my documents for the process server. I was told that they do not do that ; however, the person gave me a phone number for legal assistance : XXXX. XXXX, from the legal assistance office, told me that I am suing the wrong person and gave me the XXXX XXXX XXXX XXXX XXXX XXXX I then subpoenaed XXXX via XXXX XXXX XXXX XXXX XXXX XXXX The trial was held on XX/XX/XXXX and the court awarded me the three fraudulent charges plus {$89.00} in interest. ( I did not claim any interest, the court made that decision on the own. ) XXXX sent me a check for {$910.00} on XX/XX/XXXX After the court case, I sent an e-mail to the CEO of Capital One stating Since I should never have been charged for the {$520.00}, the interest on that charge should be refunded ; hence, I am requesting a refund of {$97.00}. Also I attached a copy of the judgement and a copy of the check XXXX sent me. ( See the attached documents : ). I have not heard from Capital One. attached : XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This Capital One account ending in XXXX was included in a US Bankruptcy XXXX XXXX case # XXXX, 100 % pay plan, renegotiate interest on this account only. This automotive finance agreement contract dollar amount was renegotiated with Capital One and was agreed to by all parties including Capital One ( see attached ). See attached document from the US Bankruptcy Court stating that all Debtors ( including Capital One ) have completed all payments due under their XXXX XXXX plan, marked completed and closed by courts. See attached document Capital One US court accounting paid as agreed, {$9100.00} See attached letter from Capital One glossing over the fact they had a new contract with the US Courts voiding the old contract they sent with my previous compliant with the CFPB. See attached Capital One released financed Vehicle title XX/XX/2021 as a signal to completing the new financial agreement with the US bankruptcy courts not the old Capital One contract, that Cap One keeps referring to as the current agreement. Capital One continues to report this account to XXXX, XXXX and XXXX as an open account with a balance. This account has been 100 % paid ( CLOSED & COMPLETED/NOT TERMINATED ) as agreed with Capital One, the US Courts say so. I believe Capital One thinks I owe them a balance and keeps showing the original contract however Capital One is carful to say in there letter this not an attempt to collect and yet they are reporting to all three credit bureaus as an open account with a balance dragging my credit down and causing financial harm to me by reporting inaccurate and incomplete information.
Company Response:
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to express my extreme disappointment and frustration with the way my recent dispute was handled by your supervisor XXXX with Employee ID XXXX on XX/XX/2023. Not only was the dispute mishandled, but the supervisor went so far as to close my credit card account without my authorization. I had submitted a dispute against a merchant for over charging me. However, the supervisor assigned to my case failed to properly investigate the matter and completely botched my dispute. Instead of helping me resolve the issue, the supervisor closed my account without any warning or authorization, leaving me without access to my credit line. I have recurring charges that need to post by XX/XX/2023 that won't be able to. This is completely unacceptable and has caused me a great deal of inconvenience and stress. Not only did the supervisor fail to help me resolve my dispute, but they took it upon themselves to make a decision that directly impacted my credit score and financial standing. I expect better from Capital One and its employees. I request that my account be reopened immediately and that the issue with the merchant be properly investigated and resolved. Additionally, I expect compensation for the inconvenience and stress caused by the incompetence of the supervisor assigned to my dispute. I appreciate your prompt attention to this matter and expect a timely resolution. This mistreatment is unlawful and financially harms consumers. I hope CFPB can help remedy this situation and hold Capital One accountable.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a checking account with XXXX XXXXXXXX XXXX ( acquired by Capitalone in XXXX ) which was closed in XXXX. I recently contacted the bank to request bank statements for the year XXXX as I had have very important information that matter to me to check my transactions and all the wiring in and out money to my bank account. One of the managers I spoke to confirmed through an email that the available statements they have of my account is from XXXX onwards and she made a request for the concerned department to mail them to me. After 10 days, I received the statements from only XXXX. I called again and left a complaint that this isnt the statements I requested, they said we dont provide clients statements dated longer than 7 years. I politely told them that not providing me with those statements will cause me a huge loss as it is the only proof I would have that to settle my accounts payable and receivable. I have been trying for three months now with no success. I just want those statements from my account to be sent to me even if it has to be a paid service.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the fair credit report act XXXXXXXX XXXX, Capital one, and XXXX XXXX i have the right to privacy in which my information is all over google sites. Reporting agencies can not furnish a account with my permission A creditor may not treat a payment on a credit card account as late for any purpose. I have credit accounts as old as XXXX reported, with several attempts to dispute. Named is XXXX XXXX XXXX
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A