Date Received: 2023-03-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My credit reporting agencies report that Im a authorized user on another persons capital one account. When I call they deny, however I escalated the call 3 times and finally a agent was able to find where I was a authorized user XXXX employee number ID # XXXX, the person Im an authorized user on is a stalker and I have an active restraining order against and has attempted to Kidnap me. I explained this to capital one and stated its fraud they refused to remove me and send me a letter so I could file it with my credit reporting agencies. I never authorized this and never signed anything to authorize this.
Company Response:
State: WA
Zip: 98662
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: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I discovered that I had a capital one credit card in my name..I never applied for credit card
Company Response:
State: MN
Zip: 551XX
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: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiry1 : Capital One, DateXXXX Inquiry 2 : XXXX XXXX , DateXXXX Inquiry XXXX : XXXX XXXX, Date XXXX XX/XX/2023 Inquiry 4 : XXXX XXXX, DateXXXX Inquiry 5 : XXXX XXXX, Date:XXXX Inquiry 6 XXXX XXXX XXXX, Date:XXXX Inquiry 7 : XXXX XXXX, DateXXXX Inquiry 8 : XXXX XXXX, Date:XXXX Inquiry 9 : XXXX, Date:XXXX Inquiry 10 XXXX XXXX DateXXXX Inquiry XXXX : XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX, Date:XXXX I am Hereby Demanding Deletion to the Invalid information XXXXhowing on My 'XXXX ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Since the beginning of the ongoing XXXX pandemic, my family 's income has been reduced significantly, roughly by XXXX XXXX. I was able to keep things current up until a few months ago when I was struggling to make on-time payments, but was still considered current as these had not been reported to the credit bureaus at that time. However, since around XX/XX/XXXX, I have been struggling to make even a past-due payment. After making a payment, I would still have that current month 's payment due, which of course was not possible at that time. This left me constantly a month behind. Capital One, as any financial institution is entitled to do, began calling me to inquire what was going on and if I needed help. Of course, I acknowledged this was the case and stated, explicitly, that I was in need of payment assistance. This assistance turned out to be the waiving of XXXX month 's payment. I was told by the Capital One representative that this is only possible XXXX XXXX XXXX ( XXXX ) months. This was a pretty empty, low-effort offer by Capital One, but given my situation and the alternative ( of which there was none ), I felt compelled to accept the XXXX month skip, fully knowing that this would only postpone my situation until the next month, at which I would not be eligible to skip another payment. After this XXXX payment skip, when I was still unable to make even a catch-up payment, I was contacted by Capital One again, before I could contact them myself, about the past-due payments. I once again explained my unchanged financial situation to the customer service rep, who informed me they have options for this kind of thing, XXXX of which was to skip XXXX month 's payment. Being an honest individual, I informed this rep that I had already received this once-per-year option and would likely not be eligible for it. I was then informed that we could make a payment plan, so the Capital One rep and I began that process. After a few minutes, I was informed that I do not have any payment plan options. Capital One continues to send me emails asserting payment plans and/or the illusion of XXXX assistance, which is clearly going to be a false statement for some of their customers. I have asked a local attorney to look into if this is the case, and if so, if it makes sense to pursue recourse. I have also requested multiple times the email address of someone at Capital One who can help me, but was told each time that there is no way to contact any customer support individual via email. If I XXXX, for a moment, provide some emotion-based feedback : that is absolutely the stupidest thing I have ever heard in my XXXX years, that I am unable to contact -ANYONE- at a company as large as Capital One via email. Absolutely pathetic for a corporation whose net income for XXXX was $ XXXX, a XXXX XXXX increase from XXXX, and with an annual net income for XXXX of {$7.00} XXXX. All of this being said, I am more than happy to continue paying on my Capital One accounts, were I provided realistic, workable solutions. I have already informed multiple Capital One representatives of this, but a low-level support employee has little to no impact on those policies, if that rep is even employed by Capital One and not by an outsourced call center. Being that Capital One has displayed to me that they are unwilling or incapable of providing assistance to those customers wanting to continue fulfilling their payment obligations but can not, I am finding it increasingly difficult to justify continuing future payments, even if I were able to afford them. I need proof that Capital One is actually committed to their customers as they so tout in their marketing. In XXXX of XXXX, they received {$3.00} XXXX in XXXX XXXX XXXX funds, also referred to colloquially as a bailout. While these funds were paid back in full in XXXX of the following year, XXXX XXXX is that they were given these funds, essentially the funds taken from my parents and familys taxes, without a second thought, and without consultation or consent from the people from whom they so happily accepted those funds. Through regulatory capture, Capital One enjoys privileges which they do not even extend to their own clientele, and certainly not to those individuals at the lower tier of their client base. After all, why would the most vulnerable need assistance when their shareholders can gain a few more fractions of a percent in profits by ignoring those individuals? In conclusion, I would like to state explicitly and unequivocally that I am seeking and requesting, once again and for the fifth and final time, a tangible, meaningful solution to continue fulfilling my financial obligations to Capital One. If they can not and/or will not provide this, then, unfortunately, I can not provide Capital One with the remaining payments and balances owed. It is as simple as that. Should these accounts go to collections, well, my credit was wrecked due to those and other financial difficulties over the past XXXX years, and really, honestly, can not get much worse. But that seems like a rather infantile outcome when another is so excruciatingly simple. Thank you for your time.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: So many hard inquiries that I have tried to clear up but doesnt
Company Response:
State: GA
Zip: 30093
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account number XXXX, Account name : CAPITAL ONE Account number XXXX, Account name : XXXXXXXX XXXX Account number XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TN
Zip: 37042
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I signed up with CapitalOne with great hope but as a new credit card customer it was an unmitigated disaster after several calls speaking to different people about this issue, including 2 supervisors who were XXXX and XXXX. In particular, XXXX was very rude and abrasive on the phone and even hung up on me, but that's an ancillary point to the main issue here so let 's leave it aside for now. Essentially, this was my first payment cycle with CapitalOne and so I had set up their AutoPay on my account to ensure I would settle all my credit card bills in a timely manner- I selected the option to pay in full ALL my outstanding credit card deals a few days before the settlement date. All seemed fine when the full amount of {$380.00} was posted from my direct debit arrangement into CapitaloOne to settle my credit card bills with them, and this showed up in my transaction history with CapitalOne too on XX/XX/XXXX ( please see picture ). Suddenly, on XX/XX/XXXX this entire amount was returned to me which caused my CapitalOne credit card account to be in deficit, but nobody gave me any notice at all that payment had been RETURNED- I did not get any SMS, any emails, any phone calls or alerts or notifications on my apps or whatever. Nothing at all. I've since learnt that this was because I had keyed in the wrong account details for the Autopay arrangement I've set up with CapitalOne to draw money from my other bank, but I have no way to verify that for sure since the Autopay details mask my account numbers when I log on, so I have no way to see the account numbers actually inputted for my Autopay arrangement. In any case, the point remains that I had ZERO heads up that my AutoPay payment to CapitalOne had failed. When I found out about this problem on XX/XX/XXXX, I immediately resolved this by manually making payment to them for {$380.00} and called their customer service line to explain the situation. I forgot the officer 's name but I specifically mentioned that this was an honest mistake, and my request to have BOTH the late fees and the interest charges waived, to which he agreed he would apply for both these waivers. A few days later, I noticed that my account had the late fee waived but not the interest charges, and so I called again to explain my entire situation as laid out above, and that the customer service agent I spoke to on XX/XX/XXXX had promised to get both these fee items waived but now I was slapped with interest charges of {$12.00} that have not been waived, and I don't know how much more they are going to rack this up with additional interest charges until I agree to pay it off in full, which is so stressful and traumatic in today 's environment of all the economic uncertainty and bank destabilization. I have spent hours on the phone with them trying to resolve this situation and even appealed multiple times about this being my first payment process with CapitalOne and it was an honest mistake with the Autopay " error '', but various people at CapitalOne have just constantly flat out refused my request to waive the remaining interest charges, with no reason provided at all and just insisting that this is their right and their policy does not allow them to reveal the reasons- the cruelty and lack of ethics is just appalling to be honest. And this is despite XXXX acknowledging that one of their customer service agents lied to me on XX/XX/XXXX when he said that he would be able to apply wavers for both my late fees and interest charges!! It is deceptive marketing and unprofessional dealing with customers, and I am really regretting that decision to sign up for a new CapitalOne card now. No other XXXX banks I've transacted with had such dishonest practices, broken systems and poor customer service. Please investigate my complaint to the fullest extent and do let me know if I can provide any other information, I remain humbly at your disposal. All my rights are reserved and this write-up is on a without prejudice basis. Thanks, XXXX
Company Response:
State: CA
Zip: 941XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Company Response:
State: NY
Zip: 11003
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: 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: I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. CAPITAL ONE XXXX Balance {$4500.00}
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Last night created an account on Capital Ones XXXX XXXX XXXX upon creating the account I found a number of errors including a {$580.00} fee from original lender, XXXX etc location, XXXX XXXX, XXXX. I filed a complaint last night this afternoon I tried to log back into the XXXX XXXX XXXX, and it would not allow me and kept giving error. My account was compromised. Also, there was false addresses associated with my credit account as well. : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its showing up on my credit report.. unfortunately, Ive never lived at this location or have I ever been associated with this location Im thinking maybe the person who compromised my account may be associated with that location. These errors above or the reason for this complaint
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A