Date Received: 2023-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: MY WIFE WAS CROONED, SWOONED, CHARMED AND SCAMMED BY XXXX XXXX XXXX XXXX WHO ALSO TOLD HER HE LOVED HER AND HE WAS USING THE MONEY TO BUILD A NURSING HOME IN THE XXXX. DATES OF TRANSACTIONS IS ALL DATES FROM AND INCLUDING XX/XX/XXXX THROUGH XX/XX/XXXX THAT WERE PAID TO MERCHANT NAME : XXXX XXXX XXXX OF VARYING AMOUNTS. MY WIFE WILL BE XXXX XXXX XXXX THIS XX/XX/XXXX AND HAS DECLINING COGNITION. XXXX XXXX XXXX XXXX WAS WARNED OVER XXXX XXXX YEARS AGO TO CEASE AND DESIST PREYING ON MY WIFE BY MYSELF AS SHE IS OLD AND HAS DECLINING MENTAL STATUS WHEN XXXX HAD MY WIFE PURCHASE HIM EXPENSIVE {$250.00} EAR BUDS AND SEND TO HIM FOR FREE, HOWEVER HE CONTINUED TO GET MONEY FROM MY WIFE TOTALLING ABOUT {$30000.00} ON CREDIT CARDS WHICH WE OWE INCLUDING COMPOUNDING INTEREST CHARGES AND ARE TRYING TO PAY OFF. XXXXXXXX XXXX RETURNED OUR MONEY BUT CAPITAL ONE CREDIT CARD REFUSES TO GIVE US OUR MONEY BACK AFTER FILING A COMPLAINT. POLICE REPORT WAS FILED WITH XXXX XXXX MISSOURI POLICE DEPARTMENT, WHO ALSO DIRECTED ME TO FILE A COMPLAINT WITH CFPB.
Company Response:
State: MO
Zip: XXXXX
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: I'm very disappointed in how my rights have been violated by this company. I've sent out numerous letters to resolve this issue and recently sent another letter that they never responded to as well.
Company Response:
State: IL
Zip: 605XX
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have 4 cards with capital one. I spoke with them multiple times about the XXXX hardship i have been experiencing. I asked them about a hardship program to help pay down my balances. The interest rates they charge me are so high. They were unwilling to help me. I closed all the cards yesterday.
Company Response:
State: IL
Zip: 60510
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing to express my deep concern about the discrimination I have experienced at the hands of Capital One Bank in response to Operation Choke Point. This initiative has had a devastating impact on my personal and professional life, and I am reaching out to you in the hope that you can take action to address this injustice. As you may be aware, Operation Choke Point was a federal program targeting certain industries and individuals deemed " high-risk '' for fraud and money laundering. While the program was officially terminated in XXXX, its effects are still being felt by many individuals and businesses, including myself. Specifically, I have been unfairly targeted by Capital One Bank which has used Operation Choke Point as an excuse to discriminate against me as an individual. Despite having a solid financial history and no evidence of any illegal activity, I have been denied access to banking services and subjected to a great deal of scrutiny and suspicion. In XXXX of XXXX, I opened business checking accounts and one escrow account on behalf of the company I work for, a financialtechnologycompany. As an XXXX and the XXXX of the company, one of my responsibilities is selecting partner banks to hold customer funds. On XXXX, XXXX, all of my company 's business accounts were abruptly closed, and {>= $1,000,000} went missing without warning. Our business banker didn't even reach out to me until XX/XX/XXXX when he texted me " What happened with the account? '' The next day I received an email stating, " Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. '' Furthermore, my colleague received the same email with slightly different language. The email to my colleague stated, " Well be closing your account ending in XXXX and XXXX because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. '' A similar action was take when the company I'm currently working for was asked to remove me as a signer for our business accounts in XXXX. Again, no explanation was given to me or my employer. I believe this discrimination is directly related to Operation Choke Point because in XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX licensed by the New York Department of Financial Services. During my time as this check cashing company, we were told Capital One made a business decision to exit the servicing of Check Casher clients. A lot has been written and exposed in connection to Operation Choke Point but ultimately, Capital One had major anti-money laundering deficiencies in their compliance program and decided it was easier to end its relationship with these " high-risk '' companies rather than deal with the threats and scrutiny of the US Gov . At this same time my personal credit card and IRA were closed without warning as well. That is a business decision and I can understand the risk/reward tradeoff here. What is not OK is that myself, as an individual, has been blacklisted by Capital One. I have no criminal history and no longer work for the check casher. This discrimination has had a significant impact on my ability to conduct business and maintain my personal financial stability. I have been forced to seek out alternative banking options, which have been time-consuming and expensive. Moreover, the stress and anxiety caused by this discrimination have taken a toll on my mental health and overall well-being. Even worse, is the abrupt closing of our accounts has caused the board and co-CEOs of my current company to worry about me as a liability. I could lose my job because of this. I am writing to demand action from the FDIC to address this injustice. It is unacceptable that innocent individuals like myself with no history of adverse past or present legal action are targeted and discriminated against. I urge you to investigate this matter thoroughly and take steps to hold the bank accountable for its actions. I appreciate your attention and look forward to your prompt response. Sincerely,
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a range of 4 to 6 credit card pre-approval offers from Capitol One monthly and every time I apply Im denied. I previously had a successful auto loan paid off with Capital One but can not understand why constantly send me credit card offers when you know you are not going to approve me. This has been an ongoing issue for nearly two years that only stack hard inquires on my credit report thus hurting my overall score. It is literally a cycle of confusion.
Company Response:
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: New complaint Kohl 's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX used an outside collection agency at different times in the year of XXXX, giving me the option to settle a credit card debt for {$400.00}. I wasnt able to pay this at the various times they contacted me, and I informed them of this. Now as of XXXX, and XXXX of XXXX, Kohl 's contacted me, stating they want me to pay {$800.00}, to pay the credit card debt in full. I have a credit card statement dated XX/XX/XXXX, and it is for {$350.00}. I have made payments. I do not believe that I should be over charged so much over my initial statement balance as of XX/XX/XXXX. When they go through, my credit card history, I always paid my card off, and when I had a balance, payments were on time, every month.
Company Response:
State: IN
Zip: 46304
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX report shows a steep decline in my XXXX score. Comparing the scorers it shows that XXXX is the only XXXX to report a recent delinquency while the other two show the opposite and have a positive payment history. The XXXX score shows XXXX at XXXX using their scoring method while the XXXX website says that its XXXX using their XXXX XXXX. I call XXXX and tell them there is an issue with XXXX, the score that banks actually use. They told me if its not on their report on their site then they cant do anything. A capital one account was closed in XX/XX/XXXX and it marked as closed on my XXXX report yet in XX/XX/XXXX XXXX randomly shows that I made a payment but it does not show this on the XXXX site. XXXX shows that it has been XXXX months since my last late XXXX reported payment.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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 have banked with Capital One for a very long time. I haven't file a dispute in all the years I've been with them. I submitted documentation for a botched car repair and they refuse to refund me the amount spent with the company. I took the car in for a second opinion and paid another {$730.00} and they said it is not enough information to resolve my dispute when my car was having the same issue when I paid for it to get fixed the first time. I refuse to take this charge. I trusted the credit card company to solve any valid disputes I may have, that's why I use my credit card. I trusted the repair shop and now I'm out of over XXXX dollars. The credit card company basically told me they are not siding with me and I have to resolve the dispute with the merchant but he is not willing to solve the issue especially after me getting my car fixed elsewhere. This is so unacceptable and I need a resolution as soon as possible.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: It has been over 30 days and the creditor has not updated the information or provided proof or documentation, in regards to a late payment. They have not supplied this information and they must, by law they have 30 days to complete an investigation. By law they must remove it immediately.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A