Date Received: 2023-03-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They close my account on my age and income then try to cover it up. They did this after I open up a business credit card account. They closed my two personal credit cards accounts
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital one credit card company closed my account and refused to refund my deposit of {$1000.00} after calling for the year and telling them I never received the card but someone was using it they falsely reporting to my credit report for a year and still have not returned my deposit I sent a rescission of contract letter and demand my refund of {$1000.00} and demand {$1000.00} fee schedule for all false report damaging my credit and livelihood
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES 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
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX XXXX XXXX, I placed a stop payment against My Essentials through my bank, Capitol One XXXX. On XX/XX/2023, Capitol One 360 allowed My Essentials to overdraft my account in the amount of {$23.00} when I had a stop payment against this vendor. This put my checking account ending in XXXX in the negative. I contacted Capitol One 360 on Saturday, XX/XX/XXXX and spoke to the Customer Service Dept. who transferred me to claims. I explained the situation and they refused to immediately return the {$23.00} to my account. Instead, they proceeded to file a claim and carry on about how long it will take them to resolve this when they created the error in the first place. I then contacted Capitol One XXXX again on Sunday, XX/XX/XXXX and spoke to a Customer Service Agent named XXXX. I asked to be connected to a Supervisor. The Supervisor 's name was XXXX but she said she had to transfer me to the Claims Dept. again to get my money back. I spoke to a person named XXXX in the Claims Dept. who insulted me by saying it would take ten full days for them to give me my money back which Never should have been taken out in the first place!!! I proceeded to tell XXXX that I would contact the Consumer Financial Protection Bureau since they should have returned my funds immediately and Never have allowed this to happen in the first place.!!!
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Today XX/XX/23 I attempted to use my credit card for {$310.00} at Walmart. The transaction was flagged for fraud. I responded to all text alerts and emails that the transaction was valid. My card was still declined. I called fraud and spoke with the XXXX associate ever. He clearly did not know how to remove a fraud restrictions. I verified my information, recent activity, and login info and was advised I could use the card as normal. Again my charge was blocked for fraud. For a second time the XXXX associate made me verify the SAME information that I already verified on the phone with him moments before. For a THIRD after being told my card was available for use, the card was blocked again due to fraud. For a FOURTH time the associate wanted to verify the same information and also wanted me to upload my driver license while standing in line at the grocery store attempting to buy my groceries. Hands down the worst service I ever received in my life. I was forced to use another method of payment because of an incompetent associate not being able to remove the block off my card. My card is still BLOCKED. I want my card unblocked and I want my account credit the amount of miles equivalent to a purchase of {$310.00} due to the incompetence of Capital Ones associate.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased an XXXX subscription in XXXX of 2022 online through the Capital One Website. The transaction failed on the Credit Card end, not mine, nor was I informed. I contacted the CEO on several occasions alerting him of this and asking him to reverse the interest and late fees. Not only did XXXX XXXX not do this, the fees and interest continued to accrue. Today I paid {$88.00} in interest and fees on a {$16.00} purchase as this while completely ridiculous is negatively impacting my credit score. Thank you for your help friends at the CFPB Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a membership and a rewards card with XXXX 's XXXX XXXX. At the end of XXXX, XXXX 's transitioned from using XXXX XXXX to Capital One. We were told that all of our prior rewards unredeemed, and all purchases made in XXXX during the transition would earn rewards. Right now, the only rewards currently on my account are the rewards I earned on the Capital One account. My purchases on the XXXX 's account from XX/XX/XXXX - XX/XX/XXXX as documented on my first Capital One Statement were {$18000.00}. On my XXXX 's account, I took a screenshot on XX/XX/XXXX that shows my rewards earned fro XXXX, XXXX = {$2.00} and XXXX = {$19.00} ( These rewards tie back exactly to only purchases made after the transition to Capital One ). I am supposed to earn 5 % on XXXX 's purchases, 2 % on restaurants and 1 % on all other purchases. The breakdown of the total XXXX of purchases and associated rewards I should have earned from XXXX XXXX XX/XX/XXXX are as follows : XXXX XXXX Purchases {$160.00} @ 5 % = {$8.00} rewards Restaurant Purchases {$620.00} @ 2 % = {$12.00} rewards Other Purchases {$18000.00} @ 1 % = {$180.00} rewards Total rewards I should have earned for this time period is {$200.00} and as you can see above, the rewards available mentioned above were only {$21.00}. I called both Capital One who told me after multiple phone calls and forwards to other departments, that the XXXX 's membership team would have to resolve this. I was then connected to XXXX XXXX to whom I requested that the XXXX transition issue be reviewed, as well as the rewards I had earned and not redeemed that were not transitioned from XXXX. The response was the email below, as you can see they did not respond to my complaint. Dear XXXX, This is XXXX, from XXXX 's XXXX XXXX XXXX XXXX XXXX. Im sending you this email to provide the resolution related to your Rewards balance request, As our Rewards team sees your eligible spending for the time period from last year to till date is {$7500.00} At an X5 % earning is {$370.00} and our Rewards team see you have already received {$630.00} which means you been receiving the rewards correctly. I have screenshots of the XXXX credit card transactions above, as well as the rewards balance that I can share if necessary. Unfortunately, I was unable to get onto the XXXX Site to calculate the unused reward balance which I estimate to be about {$80.00}. I would also like to state, that I had to make a complaint in the summer of XXXX because when XXXX transitioned to a new system, I was only 1 % on my purchases. It took a couple months to get that fixed with your assistance, which I appreciated. But honestly, I don't feel either XXXX 's or XXXX properly reinstated all of the rewards I was due.
Company Response:
State: CT
Zip: 06074
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have been struggling to make payments on my car in the middle of the pandemic. However, I am reporting because I feel that the finance company I am currently with are complete harassers. I have been a loyal paying customer from XXXX. Unfortunately, I hit a rough patch, which this company is aware of that. They are notified of this every time I call. The first time that I started being unable to pay was in XXXX. I asked then for extensions, which they allowed me four times. I believe around XX/XX/XXXX, I was able to start back making payments. After XXXX months though, I called them in advance to let them know that I needed another extension because things were getting tough financially again. At that time, I figured I did pay XXXX months and it was a new year after all, XXXX. Unfortunately, they did not grant me an extension. I was stunned due to the fact that they claim they have options available to their customers. I was deeply upset because I called in advance before I started being late again and they were totally unsympathetic. So, my payments fell behind until I owed about {$2000.00} after months in delinquency. I struggled to finally pay it. But eventually, my account became current after an epic struggle. Another disappointment with this company, is when I call to inform of my hardship, they asks a series of questions, all to come back with " you don't qualify for any assistance ''. I think being affected financially by inflation while still in a pandemic qualifies for something right? Wrong. These are complete predators at best. I also discovered recently that when you pay the total past due amount, fees and all ( referring to when I got back on track on my account in XXXX ), the fees are still owed. As if, they want you to pay extra forever after you become delinquent. So, I managed to finally make some kind of payment the other day, after months and when the payment posted, my account STILL said 100 days past due. Normally, when I make a payment it pushes my account out of repossession status. This time around it did not. So, I called yesterday morning and explained how I thought this was quite odd. The female representative was rude and stated to me that she had been with the company for XXXX years, being dismissive as all the others I have spoken to in the past. She went on to state that I needed to make {$120.00} payment in order to bring it out of repossession status. By the grace of God, I ended up getting a family member to lend me the money. So, I paid this amount. Checked to see if payment posted this morning, which it did. But account is still so close to repossession, which is CRAZY since the payment pushed it back from 100 days to XXXX about a month back. I am just fed up with this finance company. They are complete bullies and liars, claiming they have options when they XXXX well don't. They profit off their customers pain, even their loyal customers who once did pay well and just happen to be struggling for some time to make ends meet now. Give options, and sympathize is all I'm asking. This was my first time buying a car. You live and you learn, I guess. Going forward, I know to never get financing through this company again.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened up a XXXX XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened up a XXXX XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A