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: # XXXX XXXX You sent me letter closing above cases due to info requested not supplied I send two documents XX/XX/XXXX to XXXX ( copies attached so please do not make false accusations ) I provided the calcualtions for my bills and why the two disputes Please credit me again and open this dispute I wish to open case again and credit me again my {$17.00} amd XXXXXXXX XXXX from XXXX XXXX that was rebilled purchase.
Company Response:
State: NY
Zip: 10583
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 purchased ticket XXXX to XXXX I paid XXXX XXXX ( approx XXXX $ ) for extra legroom seat XXXX XXXX changed aircraft and that seat on smaller plane is not available and I had to take normal seat ( no extra pay ) They sent me a receipt showing refund forthcoming but over a month now and no word or credit given
Company Response:
State: NY
Zip: 10583
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: My issue is regarding Capital One I received a check for my taxes of XXXX dollars and XXXX cents and XXXX XXXX decided to close my account and put my check on hold for 10 days. This caused my Capital One payments to be returned and my account is now closed. I spoke to Capital One multiple times and they gave me the same explanation and I spoke to XXXX XXXX and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account opened. This was my first ever credit card account and its made me so upset that Ive been feeling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my mind. This has affected me deeply because i always payed on time and never had issues or gave Capital One issued. This has affected me deeply mentally and emotionally and specially financially.
Company Response:
State: FL
Zip: 33189
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: reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Company Response:
State: NV
Zip: 89108
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by Capital One Bank for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Company Response:
State: PA
Zip: 19136
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: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX the bank said I withdrew {$2000.00} from my bank but it was withdrawn from another persons bank. On XX/XX/XXXX they charged me {$2000.00} to my bank but when I called the bank and asked what was that for they had no clue. I went to the bank thinking it was a mistake from another company and then they tell me it was mistake in the system and that they called me but I was just at the bank and withdrew money and nobody told me anything.
Company Response:
State: NJ
Zip: 07501
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 lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I am staying in a hotel related to business purposes starting XX/XX/XXXX. On checking in, through a series of completely unrelated issues, 3 different cards were placed on account. One, my debit card ending in XXXX, two an XXXX XXXX card ending in XXXX, and a third family member 's card -with authorization- that was never used. On XX/XX/XXXX, the debit card was charged for a week 's stay. This went through and was charged without difficulty. On XX/XX/XXXX, I paid the week 's charge of XXXX which, while I was standing at the desk, was presented to me as gone through. I received a notification from the bank, as I do with all my transactions on my debit card. However, following this, there were 2 more holds- one for XXXX, ( transaction # XXXX ) on XX/XX/XXXX, and then on XX/XX/XXXX, another hold for XXXX ( transaction # XXXX ). These were not authorized by me. The XXXX the merchant told me was a regular hold they placed per week on longer term stays. That was annoying, but acceptable. The merchant did not know where the XXXX came from. This was followed by another XXXX charge on XX/XX/XXXX, which the merchant said was the actual charge on the room to bring the room charge up to date. The outstanding " holds '' at this point totalled XXXX, with a further XXXX held on the XXXX card. I called Capital One because at this point, my checking account balance had gone well into the negative and other withdrawals- car payment, insurance, etc., were now " bouncing '' for NSF status. Capital One stated that the only way the holds would come off the account is if the merchant called and removed them. I explained this to the merchant who was very happy to call and make the removal. He did so immediately. However, Capital One refused to remove the holds from the account stating that " the merchant has to call ''. After reminding 2 separate call takers that the merchant had, in fact, already called and taken the holds off, the first one transferred me to the " customer protection department '' who then proceeded to give me the same information, but when was reminded the merchant had already called, then denied he had ever said that the holds could only be removed in this fashion, and further stated he did not know why anyone would have ever said that. I asked to be transferred to someone else, as he was obviously and purposefully gaslighting me. He did so. The next person then refused to talk to me because at that point, although they were recording me, I was not allowed to record her- regardless of the fact that in the state of Texas it is completely legal to do so. She refused to proceed further. On calling back to Capital One, I explained I needed an email or physical address to send a complaint to as the telephone assistance service had turned into a " he said/she said '' mess, and Capital One then stated they had no such address to send a complaint to. I do understand the realism and purpose of " holds '' on my account and have accepted them over the years. This, however, has fallen out of the normal course of events and risen to the point of absurdity due to Capital One 's refusal to work with the information the merchant has given them.
Company Response:
State: TX
Zip: 78253
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, my CapitalOne was closed by the bank with my rewards money of {$220.00}. They closed my account but never sent me a check for the money that they owed me.
Company Response:
State: CA
Zip: 95035
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023
Company Response:
State: FL
Zip: 337XX
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: To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for. I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report. I have no idea whoever applied to any service under my name. I never shared my information with anybody either. Is it possible to grab the contract that they claimed I applied for? Because I never did that. Your help will be highly appreciated. XXXX XXXX
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A