Date Received: 2023-03-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid off my Capital One Quicksilver Card on XX/XX/23 and the payment posted on XX/XX/23. The balance was {$1400.00} and I received an email confirming the balance posting, taking it to {$0.00}. Today, XX/XX/23, there is an interest amount due of {$27.00}! I called Capital One, ended up having the call escalated to a senior manager that would not remove the charge, siting its Capital Ones policy. Thats the only answer I received after asking why that amount was not included in the total balance owed. Any help would be appreciated since that balance is due on XX/XX/23 and Ive never missed a payment. Thank you.
Company Response:
State: NC
Zip: 27260
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was charged by XXXX XXXX for {$200.00} on XX/XX/23. My cycle, per conversation I had with XXXX and XXXX on XX/XX/23, ends on XX/XX/XXXX. XXXX XXXX said Capital One didn't report a balance to credit bureau because there was no bill due. Transaction occurred after the cycle date. There was no statement produced. He then stated that the credit bureau agencies are the ones that posted that info. When I told him that the credit bureau can not post something without the agency informing them of the balance he then placed me on hold and came back and stated that capital one did not post anything to the credit bureau and that the credit bureau was wrong I requested 3 times for it to be updated to the credit bureau showing the balance to be XXXX. The balance was reported prematurely I paid the balance off on the XXXX. I requested a supervisor after he told me that it was out of his hands and there was nothing that he could do to have it updated that my balance was XXXX. When I spoke with XXXX who was The alleged supervisor he informed me of the same thing. That there was no statement due at the time that the transaction posted and that capital one never posted the amount for the {$200.00}. And that the credit rules were incorrect in posting that because the balance should oppose it as XXXX which is what capital 1 was posting for XXXX. However he places me on hold returns back to the call and then informs me that capital 1 posted the amount for the {$200.00} because that was the Amount on the date in which they posted. After repeatedly telling me they didn't post the transaction. He then stated that capital one reports all high balances. This is the discrepancy because I have another credit card with capital one with a {$1000.00} balance I have maxed out and paid off within the same month turned around paid it off.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to XXXX XXXX XXXX XXXX I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was Capital One that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get XXXX XXXX XXXX XXXX and eventually a XXXX XXXX XXXX. I had to reinvent myself. Thank you for your time in reading this.
Company Response:
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Issue -Capital One erroneously created a duplicate set of scheduled XXXX checks. -Capital Ones attempt to mitigate one set of duplicate checks was incorrectly completed. -Capital One provided incorrect information for the status of all XXXX checks. -Payees were negatively impacted when check items that Capital One cleared as good for deposit were returned stop payment. Most payees have not successfully deposited or benefited from the XXXX checks. -The account is in a current loss position of {$10000.00} due to Capital Ones errors. -The general manager of the account has made 6 phone calls to Capital One spanning 21 hours and spoken with more than 12 representatives. Capital One has failed to remediate the issue or even meet established timeframes for remediation, rather choosing to create new claim numbers. Overview -Partnership account setup under XXXX. -Monthly distribution to partnership participants setup through scheduled XXXX disbursements ( XXXX x {$720.00}, XXXX x {$4300.00} ). -XXXX disbursements originally setup under online banking profile setup using partnerships XXXX. XX/XX/XXXX -Phone call to Capital One for assistance with scheduled XXXX checks. Unable to edit payees in online banking to change address for one payee. -Representative advised online banking profile where payees setup restricted due to profile being setup under XXXX. -Representative setup new scheduled XXXX distributions for same 9 payees under existing online banking profile setup under partnerships general managers XXXX. -Representative did not delete payees from online banking profile setup under TIN, even though she knew that the profile was restricted and action could not be completed without Capital Ones assistance. -Capital One created a duplicate set of scheduled XXXX payees. XX/XX/XXXX XXXX scheduled checks disbursed ( XXXX x {$720.00}, XXXX x {$4300.00} ). -10 duplicate checks disbursed ( XXXX x {$720.00}, XXXX x {$4300.00} ). -20 paper checks created converted to Draft Check, Single Pay, XXXX. Week of XX/XX/XXXX XXXX paper checks received by payees in mail. XXXX paper check never received in mail. XX/XX/XXXX -Phone call to Capital One ( XXXX hours ) to correct error. -Call serviced by XXXX representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX determined to stop duplicate items as mitigation. -10 checks stopped ( XXXX x {$720.00}, XXXX x {$4300.00} ) ; check numbers provided. -10 checks instructed for payees to deposit ( XXXX x {$720.00}, XXXX x {$4300.00} ) ; check numbers provided. Week of XX/XX/XXXX -Payees deposit checks per Capital One instructions. -Payees begin to report check returns due to Stop Payment ( *several images of check returns provided ) and fees incurred. XX/XX/XXXX -Phone call to Capital One ( XXXX hours ) to report returns and original issue. -Call serviced by 5 representatives with no resolution. -2 claims opened, expected resolution is 15 days. XX/XX/XXXX -Phone call to Capital One ( 3 hours ) to request status of claims. -No resolution provided, advised 20 days and cut off from rep. Unclear if 20 days from original claim or additional 20 days for resolution. XX/XX/XXXX -Phone call to Capital One ( 4 hours ) to request status of claims. -Required to re-report original issue to representative ( XXXX XXXX ; 4 new claims opened. -Requested a manager call-back, none received. XX/XX/XXXX -Phone call to Capital One ( 2 hours ). -Spoke to multiple representatives ( XXXX XXXX XXXX XXXX XXXX XXXX with no resolution. XX/XX/XXXX -2 phone calls to Capital One ( 4 hours total ). -Spoke to multiple representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no resolution. -5 claims opened. 5 letters received advising claim has successfully been resolved. ( Good news! ) -Advised to call XXXX XXXX because some XXXX checks created through XXXX XXXX vendor services. Call to XXXX XXXX advised to contact Capital One for resolution. -Advised to relax and not stress about issue. As of XX/XX/XXXX XXXX7 phone calls totaling 21 hours with 12+ representatives. -11 claims opened with no resolution. -Capital One owes account {$10000.00} to make whole.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
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: Dispute amt of XXXX from XXXX XXXX XXXX that would not fix repair on my car, cancelled the service in timeframe and Capital one added the charges back on my account twice with no repsone either time from the disputed company
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: Recently I was the unfortunate Victim of an elaborate and vicious credit card / banking Scam. I was defrauded by a sophisticated well-funded fake enterprise. The criminals posing as XXXX XXXX XXXX reps used funds from a valid XXXX XXXX account to pay off my debt. They deceived me into thinking I had won a big prize by first paying off XXXX $ worth of personal credit card and misc XXXX debt, from XXXX XXXX XXXX # XXXX then they had me deposit 2 payments totaling XXXX $ cash into a XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And then two & three weeks later they are able to reverse all the payments originally maid. I have since notified my local authorities, my XXXX bank, Capital One, and other creditors by phone. But unfortunately, to this date, no one other than myself has taken this matter seriously. It was then and is still now, my expressed belief that FBI Fraud specialists should be notified, and yet in recent previous phone calls I have made to both XXXX and Capital One, both companys reps expressed unwillingness at that time to assist me in notifying the FBI or anyone else. So now I am forced to put this all down in writing and report it to the FBI myself. In doing so I will do my utmost best to be as truthful and accurate as possible. On Friday XX/XX/XXXX, I simultaneously received an email and a phone call from a company claiming to be XXXX XXXX XXXX saying I had won XXXX XXXX dollars. They said someone had entered my email address. The email I received from this company appeared legitimate, and the caller identification on my phone said XXXX. The following is a detailed account of the events of this deceitful scam. On Friday morning XXXX XX/XX/XXXX, the first day of the Scam. I took a call from a team of a man and a woman, and I could hear others in the background. We spoke on a three-way phone call. They congratulated me profusely and told me to check my email. They said I was the lucky winner from XXXX XXXX XXXX. I could hear music and celebratory cheers and excitement in the background. The main-women on the call aka ( XXXX ) asked the others in the room to be quiet, then XXXX and the main-man aka ( XXXX ) spent approx . 10 minutes explaining how I had won XXXX XXXX dollars and the implications of winning this large amount. Secondly, they said that my choice not to notify the local XXXX XXXX newspaper would mean some small additional expense on my part, along with me having to pay for insurance for my winnings to be delivered and a small handling fee. They played their parts very professionally, but I was still suspicious. Then they told me that XXXX winners should not have to pay any fees out of pocket, and that the first part of my winnings, along with the XXXX XXXX prize money, was that they would immediately pay-off up to XXXX XXXX dollars on any outstanding bill, debt or credit card. A moment later, I was on another three-way call with XXXX from XXXX and my credit card company. I had to provide my credit card numbers, but not the expiration date or the secret 3-digit codes on the back. XXXX from XXXX keyed in the bank and routing numbers and theoretically paid off my credit cards. I did not have XXXX XXXX dollars worth of debt at the time, so after paying off what dept I had, XXXX had me write down the XXXX XXXX account and routing numbers. He said, there was XXXX $ total for me to use to pay any debt, but not to go over that amount, because it would be rejected. Then I was told to take a cash advance of XXXX from my newly paid off credit card and deposit the money into a XXXX XXXX XXXX, XXXX account. I was under the impression that I had won the prize, but before I made the withdrawal, I called Capital One and asked if a person or company paid off a credit card, could they change their minds and take it back? The answer I was given was : Typically no, and after the payment posts and shows a new balance, then definitely- no. Which was the same answer given to me by my XXXX banker in XXXX XXXX when I asked him the same question. So, I thought I was somewhat safe in withdrawing and depositing the cash. The Scammers told me that I had to save the receipt for the XXXX deposit, as it would be needed to collect the prize money. This Scam started on a Friday morning, XX/XX/XXXX. During that day I was in constant contact with fake XXXX reps. I even called their office and was automatically put on hold and listened to the XXXX XXXX about making dreams come true. In one phone call I was told that we were to meet at my local XXXX XXXX at XXXX XXXX in the XXXX and that two XXXX reps were driving in from XXXX airport. They were to come by my house first and then meet me at my local XXXX XXXX and at that time they would deliver the funds. Then, at around XXXX XXXX the same day I was called again by XXXX, she was apologizing to me and sadly said that her reps coming from the airport were in a serious car accident in XXXX and that they both needed medical attention and that the delivery of my prize would have to be postponed until the next day. But because of the inconvenience, she said they would put another XXXX $ in the XXXX XXXX account for me and that I could use to pay off anything I desired. I told her I did not have that much debt, and she said I should pay off a friends debt or save it until I needed it. XXXX said, XXXX provides the funds this way because this money would not be considered taxable income and it would help to lessen the tax burden of winning XXXX XXXX dollars. She did a good job of selling the idea. We even said a prayer for her injured reps and agreed to talk in the next morning. The next day was Saturday and there was excitement and anxiety both mine, and the Scammers over completing the transaction before the bank closed early on a Saturday. They said the insurance I had purchased for the day before was only good for the previous calendar day and that I would need to deposit more money XXXX $ into the XXXX XXXX XXXX XXXX account. They sent me pictures of my house and said they would be coming to my home soon, and that I and a friend, if I desired, would follow them to the bank. But first, I had to make an additional payment. When I complained, they said I could pay just XXXX $ & they would cover the other costs until I received the winnings at the bank, at which time we would square up. The Scam surely counted on me the victim, not sleeping much the night before because of the expected excitement of thinking I was a Big Winner. To increase their deception, I do remember in hindsight, that I was immediately able to use the XXXX XXXX account money they gave me to pay my XXXX phone bill. I used it to pay my internet bill, I bought TABS for my car, and even supposedly paid off 2 really high heating & utility bills. At that time, the XXXX XXXX account numbers they had supplied appeared to be active and viable, so I thought it was legitimate. ( But, 3 weeks, later, all payments were eventually reversed ). On Sat XXXX, XXXX at approx. XXXX XXXX the Scammers called and had elaborate story of how due to the car accident, the delivery of prize money would have to be delayed again. They were now saying it would be Monday at the earliest before I could receive my prize. Then on Monday, they apologized again and said it would be later in the week. At that point I was becoming disillusioned with these people, but still held out some hope and, the XXXX XXXX account money they supplied me to pay off my bills seemed to be working fine. ( But in fact, I now know the only bill that stayed paid was XXXX $ for the TABs on my old truck. ) In the meantime, as stated previously, I had made multiple calls to Capital One and other credit card companies trying to gain confidence that once the XXXX XXXX payments were posted, that they Could Not Be Reversed. On at least two occasions, both Friday and the following Monday, during that critical part of the scammers deception, I was assured by Capital One Employees that once the payments had posted and the available balance was updated, NO ONE COULD REVERSE THE PAYMENTS. Obviously, this has not been the case, as all of the payments made to Capital One, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and others, from the XXXX XXXX account in question ( that the Scammers had supplied to me ) were ultimately reversed with no explanation. It did take more than 3 weeks or more for some payments to be reversed. This long delay is confusing and highly suspicious to say the least. It should not be that easy to reverse all those payments, which leads me to believe that the Scammers have people inside the banking community helping them to swindle innocent people. I believe I was targeted partially because of my vulnerability. I am currently unemployed and somewhat XXXX. I have applied for Social Security XXXX, and I am awaiting XXXX to repair a painful and debilitating XXXX XXXX injury. Additionally, after the scammers had theoretically paid off my credit cards, I was immediately offered more credit, which I should not have had accepted, but I did. In my defense, at the time I was under the impression that my other credit cards were paid off and that I had money in an account to pay future bills. After the painful realization that I had been so thoroughly Scammed, I now find myself in the unfortunate place of having very little income in which to pay down the majority of my debt. My bank account has been drained and overdrawn, my credit has been frozen and or, restricted. I may now be facing personal bankruptcy. It is my hope that justice be served and that others will not have to go through this nightmare of frustration.
Company Response:
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) Capital One Auto Finance XXXX XXXX : XXXX and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a Kohls, as well as 2 accounts for Capital One, NA ( which I believe are duplicates again, like my Liberty Mutual duplicate accounts ). XXXX XXXX, The Bureaus AND Kohls are all reporting collections. Kohls credit card IS Capital One, N.A, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom Capital One, N.A. ). These debts need to be removed rom my credit report for all of the above stated reasons.
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A