Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was notify by XXXX that a credit card application was being submitted under my name. Follow by a hard Inquiries that I was able to see on the XXXX credit report. I was able to call the bank and advise them that was not me. I also followed up and disputed this with XXXX. CapitalOne Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX Inquired on XX/XX/2023
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: MasterCard ( Savor Card ) ; issued by Capital One Bank. This card has a {$500.00} credit limit. On XX/XX/XXXX the cardholder submitted purchase Dispute / Claim ( # XXXX ) against Merchant for {$150.00}. Capital One Card Protection services within Card Investigations are ( an offshore call center ). Capital One does not provide a direct line of communication within back office decision makers referencing consumers complaints nor does it provide direct access in order to dispute 'MasterCard decisions '' when it comes to consumers line of credit, transaction disputes, and providing adequate digital forms of communication. Cardholders with legitimate disputes are regarded as low priority compared to 'fraudulent claims ''. Capital One offshore disputes and resolutions services are inadequate and counterproductive in solving legitimate consumer claims. The process is level 1 or level 2 in terms of resolutions. Given Capital One has an arcane version of communication, there seems to be no real relief to cardholders nor does it mean positive outcomes. In the Case Dispute as mentioned above ; Capital One, opted to provide a provisional credit for a period of ( 10 ) days back to the cardholder ; however reversed the credit back to the cardholder, when they received a letter from the Merchant 's Terms and Conditions and its buyer Policy. Capital One didn't investigate the dispute, didn't request Merchant to provide proof of services, nor proof of refund if any. Cardholders are left to spend hours to clear up 'bogus purchases ' taken by illegitimate merchants, scam merchants, merchants who provide high-resolution advertising and seduce consumers to make purchases for services that will not come to fruition. MasterCard card services must investigate thoroughly those purchases made by merchants who seduce, entrap, falsify, scam consumers by means of credit card transactions via online. In this case Capital One didn't resolve the dispute nor provided cardholder with positive outcome ; instead charged cardholder back the amount and didn't accept cardholder 's documents nor explanation. The purchase made by the cardholder to receive services by the Merchant were bogus ; cardholder didn't receive goods or services ; instead received documents from the merchant stating a refund would be applied back to the card ; and later advised a paper check would be mailed since XX/XX/XXXX. XXXX has exhausted attempts to work with Capital One ; each time the call center and/or provide insufficient information.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It has been almost 4 months since I submitted my complaint numbered XXXX to the CFPB on XX/XX/XXXX, I still have not received my refund of {$25.00} from Capital One. As I stated in my submitted complaint, I closed or ceased all of my Capital One related accounts on XX/XX/XXXX and paid {$25.00} more to my Quicksilver Credit Card of XX/XX/XXXX Payment Due Date on XX/XX/XXXX. Therefore I expect Capital One to refund {$25.00} back to me by mail. I still have not received my {$25.00} refund by mail until today of XX/XX/XXXX XXXX
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account was restricted for no apparent reason. When I called Capital One, they said someone would contact me within 7-10 days. I have no idea why the account is restricted or what happened to cause the restriction. When I called in, they all gave me the general run around to wait 7-10 days. I find this extremely abnormal as I am able to call any other credit card company to clear this within hours. There was absolutely no communication from Capital One before they locked my account and there has still been no communication from there.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 I received text message that I opened 2 Cpital One / BASS PRO accounts. Then I received XXXX credit alert that Capital One did a hard pull of my credit report. It is someone else steals my identity and opened the account.
Company Response:
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 just recently received a Capital One credit card. They had been sending me offers for months, and as I was trying to rebuild my credit after XXXX years of identity theft, I decided to take advantage of a pre-qualified card for {$300.00}. I received this card 2 days ago, on Wednesday, XX/XX/XXXX. 2023. After activating the card, I decided to purchase some groceries on said card. I was shocked that I had NO CREDIT available as I hadn't even used the card yet. I checked my balance on the website only to find tons of fraudulent charges dating back to XX/XX/2023, two days before I received the card. I immediately called Capital One 's fraud department. I had a very trying conversation with a woman who did not understand why I was calling, what " fraud '' meant, etc. I spent an hour on the phone with her. By the end of my tutorial on fraud to an employee in the fraud investigation department, I believed that ( a ) a new card would be sent to me and ( b ) that provisional credits for the fraudulent charges would be available to me asap. I did receive a letter from Capital One the next day, XX/XX/2023, confirming said information. It is attached hereto. I also checked my account balance yesterday and saw that my new balance was {$180.00} ( which was still incorrect ), and I had credit available for {$120.00}. After carefully examining the fraud reported in the letter, I realized that not all my reported charges were listed. There was another fraudulent charge posted on XX/XX/XXXX in the amount of {$16.00}, which was not credited, although, on my account, it is listed as reported fraud. I checked into my account today, XX/XX/2023, only to find that a provisional credit for {$16.00} had still not been issued, and, alarmingly enough, my account of credit available had been decreased to {$5.00}! I called in to question this and spoke to two people. I did not get the first gentleman 's name, but I did ask to speak to a supervisor named XXXX XXXX? ), who identified herself as a Senior Accounts Supervisor. Both customer service representatives reported the same information to me : ( a ) for Capital One, provisional funds credited do not become actual funds until their investigation, which can take up to 90 days, is completed. I asked what the purpose of issuing unusable funds on my account would be, and I did not receive an answer ; ( b ) I asked why I could not find that information in any disclosures I received from Capital One, including the email I had just received and was told that it was a Capital One policy that was only disclosed to the client when the fraud was first reported. I replied that I had received no such disclosure and asked for a copy of the recording of that phone call. I was told that I would not receive such a recording; finally ( c ) I expressed to both customer service employees that, unfortunately, I had been a victim of identity theft many, many times, and due to this latest breach, I had closed my XXXX account since unfortunately, all of my recent fraud seemed to come from this company and had made another identity theft report to the FTC. I also stated that I had NEVER had another bank nor credit card company treat " provisional credits '' in such a way and felt that I was being discriminated against based upon the fact that I had listed all income as SSDI and explained that it was illegal to discriminate against someone with a disability. XXXX 's response never changed. She said it was " impossible '' to issue actual, usable credits until the investigation was completed. I asked if there was another person, perhaps in another department, I could speak to who could make this " possible, '' and she refused to provide me with any more information, suggesting that even the CEO could not overrule this undisclosed policy.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i entered into a consumer transaction with Capital one in which a finance charge was involved. according to 15 USC 1605 a finance charge is a sum of all charges in a consumer transaction. i had also to to purchase separate auto insurance separately which was suppose to be included in the finance charge
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b 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: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My name is XXXX XXXX, I am a XXXX XXXX and XXXX XXXXXXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my husband. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account together with my husband, since we don't want to have a relationship with them. But Capitol One told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want a further relationship with them.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A