Date Received: 2023-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX. All creditors are reporting in accrate information on my credit report.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Kohls Dept store reported a late payment in XXXX XXXX XXXX I explained to kohls via phone records and via certified Mail that my consumer rights were violated as per 15 US code 6802 B. Kohls violated my consumer rights and didnt conduct a proper investigation on their behalf to resolve the issue. I asked for additional information and proof of investigation, and no information was provided to me. I was never given the option to opt out of reporting.
Company Response:
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It was in the understanding that Capital One would not assess any late fee charges if I paid account as agreed on time which I have and was assured by the representative. Now they are going back on there word and assess late fee charges of {$26.00}. In XX/XX/XXXX. The charge is in error because I paid by account balance at the time it was due. I specifically asked the account representative if the payment was on time she confirmed that it was and that I would not be assessed any late payment charges to my account. I was informed by Capital One on XX/XX/XXXX after receiving and activating my new charge card that I was assessed a late charge by Supervisor Account Representative that there was a charge of {$26.00} assessed to my account due to late payment. I explained to Supervisor that the prior representative whom I made my timely payment on XXXX XXXX XXXX informed me and assured me that there was no late charge payment assessed. I asked him to please review the recording and if we could review together for accuracy and supervisor informed me there was nothing he was going to do about it. There was no empathy from supervisor and he was unable to help me and was ready to hang up and stated if I did not like it I can take my business elsewhere. Then was told with this kind of account being that it being a secured account there is no courtesy to be given to which made me feel less than offensive veiled comments to a card holder. I was also told by supervisor that I was denied information as to the recorded call due to the fact that was Capital One proprietary information and that I could not listen to my own call that I authorized to be taken. I then asked where in the Capital One policies and procedures that I could go to read and review as to why I am being denied this information. I then requested to be able to speak with another manager or someone from the corporate office and he very rudely stated he was the highest level and made me believe that there was no one else. At this point I let him know every organization has management and/or a corporate office, extreme unprofessionalism. At that point I asked if this call was recorded for accuracy and was informed that it was so I would like both calls reviewed. I am beginning to believe that this type of behavior is typical of Capital One. I think this supervisor was incredibly offensive, insulting and discriminative towards me. I must insist that this complaint be investigated to the fullest extent possible. I also request that the results of this investigation be sent to me so that I might personally review the findings.
Company Response:
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 an 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 purpose.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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 made a purchase back in 2022, and I was told to try to work it out with the merchant and I have been trying to do so. I have spent a total of over XXXX XXXXhrough XXXX. and I have been going back and forth with them, and it seems as though they were stalling. I had no choice but to report back when they tried to close out the resolve after each person has been stalling. When I called back and had Captial one put in my dispute, the guy had me on the phone and filling getting ready. Capital one sends suppose to be secure links and then the links don't work, had me spend three days sending out fax and calling them while waiting for them to turn on the fax machine. I have over 8 to nine transactions slip and the rest were left at the fax location. Then I spent the money to send it through mail as told. So, today I tried the links again to show the transaction slips, etc, but the system kept kicking me out. Then I see the credit back reversed and called to see what the problem was. They told me I passed the deadline of over 120 days, saying that I should have been told. This is after being told to work with the merchant as much as possible, I did thinking after all the proof I sent videos, etc they would just give me my stuff, and pay me back for all the broken stuff. This has upset me dearly becaues Im out with all the broken stuff given to me, missing part of my order with a proof, and the entire package that I put in the mail cuz the papers would not all go. If that's the case why did they waste my time? I want either my money back or my product. They don't have the full package cuz it's in the mail. Nothing was working properly no matter how many times that I tried calling and letting them know. No one was near that fax and everyone is working from home, which is not providing proper help. I have just been cheated completely. You don't get your stuff to after 45 to 50 days after you pay cuz it has to come on a boat from China.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I activated a new card with capital one I believe in XX/XX/2023. It had some issue later with my social security number linking to me. With this new card. I spent a great deal of time sorting this out in XXXX as I had no access to my account via automated phone or website. I was told by Capital One it was fixed but it wasnt. I made a payment that month but still couldnt see the account, due dates etc. this was well after the alleged timeframe it might take to switch over what they did to resolve the account issue. In XXXX I Ended up getting a late fee and after calling them and their IT actually fixing it. I spoke to a few reps in customer service and financial and I was denied a credit for the {$29.00}. They refused to answer why a credit wasnt warranted and proceeded to stick to what the first rep said whom acted like she was too bothered to deal with my issue and noted as denied. I paid off the new card and am intending on paying off my Menards, Silver, platinum, and closing my checking and savings. Way to go customer service. My monthly fees cost more than {$29.00}. Then there is an issue with denied atm transactions. I recently was denied money because of being security flagged while traveling. I stopped at an in network atm and try to take money out of the ATM for a customer i was going to visit. The ATM denied my transaction with no explanation. I tried multiple times to no avail. I left the bank. I try the XXXX also with the same results. I saw that there were out of network banks ahead, and no other network banks close by so I ended up driving about 20 minutes towards another bank and along the way I got a text message, asking me if I had tried to withdraw money at the ATM. Apparently there was a security flag on my account because I was traveling outside of my local area. I guess I was only about an hour away from my home. Because there was no network ATM anywhere close at that point I got a fee for using an off network atm. I called capital one and asked them following my transaction which went perfectly at a non-network ATM and I asked them about why I couldnt use my card and they told me it was because it was security flaged because of some unknown reason and this is the multiple times this has happened with their cards a question about getting a credit and they denied me yet so they cant give a credit because of this. fees like these add up immensely XXXX sure if you do this to many customers.
Company Response:
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX I made a payment of {$8900.00} to Comenity Bank .On XX/XX/XXXX Comenity bank Switched credit card companies To XXXX XXXX.Our balance on XXXX XXXX was {$8900.00}. Now Comenity bank says they can not find where we paid {$8900.00} and XXXX XXXX say 's we still owe this money and turned our credit card use off and they say we do not have any more credit left because our credit limit was $ XXXX.Our Bank Statement shows they took the {$8900.00} out of our account. Phone # on my Bank Statement is XXXX for comenity. XXXX XXXX phone # on back of my card is XXXX Phone # on Comenity XXXX
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: At the beginning of XX/XX/2023 because of ongoing problems with Capital One after an hour on the phone I closed my account. I also sent two letters on XX/XX/2023 ( 1 ) one in response to a ridculous letter with them threatening to close the account after I had already closed the account; and ( 2 ) a letter confirming that the account was to be closed and requesting returning the {$1000.00} deposit. When I closed the account by phone they told me that they would not apply the {$50.00} in rewards which I had earned. I try not to use the phone because of a XXXX XXXX but in violation of the XXXX XXXX XXXX Capital One forces a person to use a phone and refuses to use email. I do not answer phone calls. I only respond to emails and snail mail. In XXXX I received a statement showing a credit balance of {$38.00} and a rewards balance of {$50.00}. The cash total which should have been returned to me was {$1000.00}. In XXXX I received a statement with XXXX in false charges. I returned the card in XXXX to Capital One along with the letter. Every charge is fake and they have yet to return the money I am owed. Capital One is a total scam.
Company Response:
State: IL
Zip: 61920
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The issue I am having is with capital one credit card company not applying my payment {$2100.00} when using my banks online payment method. The most recent issue was I mailed my full payment to capital one on XX/XX/2023 and they claim they did not receive it before the payment due date " XX/XX/2023 '' thereby applying a late charge and penalty interest to my account. After learning of the " missed '' payment I made an inquiry at my bank and learned that the payment had cleared, and they already had a copy of the canceled check. When I called capital one on XX/XX/2023 in regard to my account, they had no record of my payment, when informed them that I had a copy of the cleared check capital one agreed to start an investigation.
Company Response:
State: WA
Zip: 98248
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A