Date Received: 2023-03-29
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: I am writing to file a complaint against XXXX regarding their failure to redeem my rewards and inability to log in to my account. I previously submitted a complaint XXXX XXXXXXXX to the company and received a response that I should be able to redeem my rewards. However, I am still unable to access my account and redeem my rewards. On XX/XX/2023, I attempted to log in to my XXXX account to redeem my rewards. However, I was unable to log in despite entering the correct login credentials. I attempted to reset my password multiple times, but the system did not recognize my email address associated with my account. I believe that XXXX has failed to provide adequate support and services to me as a consumer. Their inability to resolve my issue in a timely manner has caused me significant frustration and inconvenience. I request that XXXX resolve this issue immediately by providing me with access to my account and allowing me to redeem my rewards. I also request that they improve their customer service and support to ensure that other consumers do not experience similar issues in the future. Thank you for your attention to this matter.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am extremely disappointed to receive the same response to my complaint regarding the restrictions placed on my accounts with your company. The lack of urgency and consideration for my situation is unacceptable. As I have previously stated, my account was restricted due to an old account number saved for payments that had not been updated, causing payments to be returned. I have attempted to provide documentation and proof of my current account, but Capital One required a statement within the last 60 days, which was not possible as my account had been closed, and I had opted for paperless billing. Despite my attempts to provide documentation and proof of my current account, including statements from my new bank and account, Capital One has insisted that the only way to unrestrict my account is to provide a statement from XXXX for XXXX XXXX for XX/XX/2022. As I have previously stated, this is not possible as I have switched banks from XXXX to XXXX, and I opted for paperless billing with XXXX. I want to reiterate the urgency of this matter, as my account has been subject to unauthorized fraudulent transactions that have reached their limit, and I am still making monthly payments for these transactions. Capital One has refused to address the fraudulent transactions until my account is unrestricted, yet they have not provided any assistance in unrestricting my account. Each time I have contacted Capital One, I have been referred to a special department that says they will review my account, but it has been almost six months, and there has been no resolution. I want to emphasize that I still do not have access to the XXXX statement for XX/XX/2022 XXXX XXXX, which is required to unrestrict my account. This situation is causing undue stress and affecting my mental health. Additionally, my credit score is being adversely affected, which is impacting my ability to obtain financial services and products. It is unacceptable that Capital One has not provided an alternative solution to address this issue. I demand that you take immediate action to resolve this matter and unrestrict my account. I also request that you provide compensation for any financial losses that I have incurred due to your company 's negligence and lack of assistance. I hope to receive a prompt response that addresses my concerns and provides a solution that takes into account the urgency of this matter.
Company Response:
State: MN
Zip: 56001
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2023 - Created domestic Wire Transfer from my savings account for {$4000.00} to pay an invoice I owed. All account numbers, identification and amounts were correct. I put a memo on the Wire Transfer to remind me, and the company I was send it to what it was regarding. Received confirmation via email of my wire request. Received call from the bank saying they needed more information regarding my wire transfer. Spoke with representative and explained who the wire was for and why I was sending. Bank Representative took notes and put on my account. Told me that it should go through shortly. XX/XX/2023 : Funds still had not been sent by the bank. I contacted the Bank and asked what was going on. Spent over 1.5 hours on the phone being told my transfer was flagged by security and I needed to tell them exactly who the memo was regarding. They said they would not send my money unless I gave them details of why I was sending. I explained I was paying my attorney for a case they were handling for me. The Bank then said they needed to know the name and address of the other party in my legal case to which I replied I was not at liberty to discuss that publicly. I requested to have the wire cancelled on the XXXX and the money returned to my account. XX/XX/2023 : The funds still were not returned to my account. I contacted the Bank again and was on the phone over 1.5 hours again asking why they won't send my wire, and was told again that their security team flagged the transfer and unless I tell them what they want to know the money wouldn't be sent. I requested from the bank a reason for why the account was flagged, and they couldn't provide me any response because that was another department. I again asked for the money to be returned to my account. They said they'd put in a request to the security team to do so but couldn't promise anything. No case number, no other information for me to prove I spoke with them. The representative I did speak with was named XXXX XXXX XXXX ID # XXXX I then reached out to my attorney ( to whom I was trying to send the funds ) and they had never heard of any regulations from a bank requesting to know the details of a legal matter in order to send a wire transfer. They did say I could tell them if that would release the funds. XX/XX/2023 : Money still not returned to me. I contacted the bank again and spoke with another Manager for 2 hours XXXX. I said I would give them the information on the case however the Manager now told me I had my chance and I blew it so " If you want to cancel the wire transfer now, say YES Or NO ''. She was very rude. I explained that I had already cancelled the Wire days ago but the money wasn't there yet. They've been holding onto my {$4000.00} plus {$30.00} for the transfer fee for over a week. I then asked, " If I say yes to cancel, can you confirm I will have my funds returned to my account by the end of the day ( XX/XX/2023 ).? '' The manager, XXXX said yes. IT's on a recorded line so she did say yes. I agreed to cancel the wire again. I also asked if I tried to resend the money to the same domestic account again, would it be flagged by their security team? She answered YES. While on the phone with her, I created a NEW Wire for {$500.00} to the same exact external account and sent it. It was wired without any issues. XX/XX/2023 - The funds were not returned to my account. XX/XX/2023 : I contacted the Bank again and spoke with XXXX who said she's try to expedite this return. She did give me a case number to refer to ( regarding this call on this day ) - will provide later. Again XX/XX/2023 - the fund are still not in my account, no one has contacted me and I have no where else to turn to in order to get my money returned to me. They told me I could send a letter to the president of Capital One if I wanted to file a complaint. I am reaching out to XXXX to see if they can assist in getting my money returned to me. Capital One is stealing over {$4000.00} from me without any explanation as to why and how to get it returned.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was lured into a crypto futures trading scam and I ended up losing XXXX. Then I tried to get the money back using the crypto marketing company but that turned out to be another scam and I lost XXXX to them, I put XXXX of that on my credit card and got nothing in return. Now I'm disputing that with the credit card company but it doesn't look good. I shouldn't have to be forced to pay them that money since it was all part of a scam. That would just be perpetuating the scam.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: See prior case # XXXX and attached XXXX response As noted in my prior case, I am still missing over {$50000.00} initially deposited with XXXX on XX/XX/XXXX via my ACH transfer from my Capital One savings account. When I initiated another transfer of {$75000.00} between the same two accounts due to XXXX 's higher interest rate, that transfer caused XXXX to flag my account as potentially fraudulent, and will take up to 60 days to close my account and return my initially deposited {$50000.00} plus accrued interest. In XXXX 's attached response to my prior complaint received on XX/XX/XXXX, it suggests that I notify Capital One to initiate a request for the return of my funds ( please refer to attachment for their exact verbiage ), so this new complaint is doing just that and as suggested by a CFPB rep to me this morning via phone -- I request that Capital One initiate a request of XXXX to transfer my full account balance with all accrued interest thru account closure date to my Capital One savings account. XXXX 's lack of transparency in this matter has been appalling, and since my account has not been closed yet as confirmed by XXXX, accrued interest is payable thru account closure date.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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: I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. Account Name : XXXX Account Number : XXXX Reason : XXXX Account Name : XXXX XXXX XXXX : XXXX Reason : XXXX Account Name : CAPITAL ONE Account Number : XXXX Reason : Creditor agreed to delete Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my balance in full via the mobile app, yet received a statement the next billing period for only interest. I have carried a balance in the past and have been paying it down to pay off. When I paid my remaining balance in full via the mobile app, I was presented with the option to pay the minimum, pay the balance in full, or pay another. I selected to pay the balance. The assumption is the balance due would include interest. There was no mention of interest not included, so I expected my payment brought my balance to {$0.00}. When I called about the interest only, I was told the interest is only calculated at the end of the billing cycle after the payment as made. If I had wanted to find out the pay off balance, I should have called customer service for the pay off amount. Nowhere on the mobile app or website does it tell me the total balance due does not include interest and its different than the amount they show as the payoff balance, and nowhere does it mention to call customer service to find out the pay off balance. They are hiding hidden accrued interest charges. The calculated accrued interest needs to be included with payoff balances.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Sir : I had a previous BJ 's Credit Card issued by Comenity Bank. At some point in XXXX I realized that Comenity bank was going to drop their BJ 's Credit Card Customers and transfer their association with BJ 's to XXXX XXXX XXXX.At this time I closed my BJ 's Comenity Bank Credit Card and paid my bill in full. After I closed my account I began receiving Bills from Comenity BJ 's that I owed a small amount of money which I did not believe I owed. I sent Comenity Bank a letter hat I disputed the amount owed and wanted their subsequent notice that this amount was in dispute. In XXXX of XXXX Comenty Bank transferred {$130.00} bill over to XXXX XXXX XXXX XXXX new Credit Card which hey had sent me to activate for purchases.I did not activate his card and after contacting XXXX XXXX XXXX they reduced the amount owed by taking off {$40.00} which was charged for late fees.The {$130.00} which Comenity Bank states I owe is made up of late fees and interest fees and not any purchases I made on the Comenity Bank BJ 's Card.Thank you for your consideration in this matter.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They never collected any correct information. All information is inaccurate at the time of being placed.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A