Date Received: 2023-03-23
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 reached out to Capital One to dispute a transaction. The merchant sold me service package with a term of XXXX. The merchant disappeared XXXX after starting the contract and stopped providing the services that I paid for using my Capital One Credit Card. They stated in an email to all customer that the merchant would refund the paid amount but this hasn't happened. I sent Capital One all documents that were necessary and they decided not to pursue the claim. Every time I call and ask why, they list different reason each time. First, my claim was denied because there was no date listed on the contract between the Merchant and. This is not true - the date was on the contract. Then Capital One needed me to send a signed statement. After that they denied to dispute the transaction is over 60days old. They failed to reach out to the Merchant and dispute the transaction as listed on their website.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There is a credit card from capital one in my name that I didn't apply for which is over XXXX XXXX in debt on my name
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2023, I received a text message from Capital One thanking me for giving them my phone number to get info about my account. I didn't have an account with Capital One, but I thought it was just spam. Then I received a notice from my credit card company that my credit had been checked when I hadn't applied for anything. I looked at my credit reports and it was Capital One. I called them immediately to report that this card was fraudulent. It took many calls and long hold times to get this established. Since it was the first day the card had been issued, there were no charges on it so it was easily disputed and they cancelled the card. Subsequently, I've spent many hours getting this inquiry removed from the three credit reporting agencies and freezing my credit. My complaint is that I have tried to get information on the application for this card. I wanted to be able to figure out if my identity was stolen and whether I should worry about other fraudulent activities. Capital One has been very uncooperative in sharing any information about the application. First they told me it was confidential information. They spent a lot of time trying to reassure me that the card had been cancelled and I wouldn't be held responsible for anything. Essentially, they told me I should be satisfied and let it go. When I found out that they have to share that information by law but by mail, I asked them where I should send the request. Then they said I could get the information from the credit reporting agencies who said I had to get it from Capital One. A few days or so after I cancelled the card, I received a card in the mail from Capital One. I called again to verify that, in fact, this card was cancelled. They said yes and so I tried to activate it to make sure, and I could not activate it so I'm satisfied that it's cancelled. However, I couldn't understand if someone had fraudulently applied for this card, why would they use MY phone number and address so that everything came to me? I suspect Capital One issued this card without my request and that is why they won't share the application information. If that's the case, they should be held accountable.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: It has been over 5 months since my account has been closed bank has not released my remaining funds.. I have been calling every week for 5 months and every time they tell me that my funds will be sent out within a week. They inform me that my account is closed and should be sent out a check but after numerous attempts to resolve issue I have not received my funds.
Company Response:
State: IA
Zip: 50263
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ON XX/XX/2022 SEND XXXX, XXXX, AND XXXX DOCUMENTS REGARDING FRUDULANT ACTIVITY ON MY CREDIT REPORT. ALSO CONTACT CAPITAL ONE ACCOUNT AND THEY TOLD ME HAVE NO PROOF OF AUTHORIZING CREDIT CARD ACCOUNT. ASK THEM TO VERIFY ACCOUNT IN WRITING HAVE YET TO RESPOND. CAPITAL ONE AND CREDIT BUREARUS. PLEASE ASSIST
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account the company 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 a account without my written instructions. 15 USC 1666B : 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: GA
Zip: 30318
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transferred a total of {$46000.00} to open a CapitalOne savings account. Because an earlier attempt to open an account had resulted in no apparent account creation, I ended up opening two separate savings accounts, one funded with {$30000.00} and the other with {$16000.00}. The transfers were initiated on XX/XX/XXXX and XXXX respectively. I called the bank because of the issue with the earlier transfer not showing up on CapitalOne 's website and its related app. They explained that I had opened two accounts, so we closed one and transferred {$16000.00} into the remaining account. I was planning on using the funds to purchase a car, so I always knew that I was going to withdraw most of the funds, but wanted to keep the new account open because of its attractive interest rate. However, I was told I could not initiate a wire transfer. I was offered a cashier 's check, but because this is an online bank, the cashier 's check would be sent by XXXX, which I considered too insecure to do. Finally, after speaking to a CapitalOne representative on XX/XX/XXXX and confirming it with the " ambassador '' at the CapitalOne XXXX, I initiated a transfer of all the funds back to one of the originating banks. At this point, all looked good. The transfer showed up in my app as having been initiated. Shortly after that, however, when I checked back in, the website/app displayed on all of my accounts a " funds not availabe. Please call ... '' I called the number multiple times and it only led to a recorded message, " Please leave a message by pressing 1. If we need more information, we will get back to you with two business days. '' Because my new car is ready for delivery, I need more rapid action. I manipulated the phone tree to get a human being in the security department. While they asked me some questions, it wasn't clear what they wanted from me nor would they provide any information on why my funds were available, only that the account was being closed and the funds returned to one of the two banks, although why they would do it that way seems strange. Worse, the timeframe they gave me was three-five business days. I would just mention that I have had a CapitalOne card for many years and that only recently they were offering to raise my credit limit, so my treatment is bizarre from a business standpoint. Worse, I am in limbo. I received today an email from CapitalOne asking me to try to transfer the funds again. Returning to the website, I am only presented with the " funds not available message. ''
Company Response:
State: CA
Zip: 92618
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: Application denied
Consumer Complaint: The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Capital One : Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquirie Based on your credit report from one or more of the agencies on the back of this letter, revolving account balance ( s ) are too high in relation to credit score Based on your credit report from one or more of the agencies on the back of this letter, balance owed on delinquent past or present credit obligation ( s ) is too high Based on your credit report from one or more of the agencies on the back of this letter, there are too many missed minimum payments on credit cards in recent history The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. Under 15 U.S. Code 1681, Capital One has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Capital One and XXXX XXXX XXXX on XX/XX/2023 to correct these errors.
Company Response:
State: CA
Zip: 95776
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi I have settled my XXXX XXXXXXXX account, my capital one account and my XXXX accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Company Response:
State: CT
Zip: 060XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Consumer Financial Protection, I am writing to bring to your attention a fraudulent activity that has been occurring on my Capital One Bank account. A credit card was opened under my name and delivered to an unknown person who has been using it without my authorization. The card number is XXXX, and as of today, the fraudulent amount on the card is {$3100.00} and keeps increasing. Despite notifying Capital One Bank about this fraudulent activity back in XXXX, the situation has not been resolved, and the person in question has been using the card for years without making monthly payments, causing significant damage to my credit score. I have been working with Capital One Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. I recently spoke with XXXX at XXXX, and she confirmed that the fraudulent activity is still on my account despite my previous notifications to Capital One Bank. This situation has caused me a great deal of stress and financial hardship, as my credit score has dropped to low levels due to the unauthorized use of my credit card. I am reaching out to you for assistance in resolving this issue. I believe that Capital One Bank should be held responsible for any damages that have occurred as a result of this fraudulent activity. I am willing to provide any necessary documentation to support my case. I am seeking a resolution to this issue that involves the immediate removal of the fraudulent card from my credit report, compensation for any financial losses that I have incurred, and measures taken by Capital One Bank to prevent this type of fraud from happening in the future. I appreciate your time and attention to this matter and hope that we can resolve this situation as soon as possible. Sincerely XXXX
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A