Date Received: 2023-03-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Capital One is reporting an inaccurate charged off accounts on my reports that I have been disputing with them for some time now. I sent them a letter on XX/XX/2022 requesting validation of this debt and all documents concerning this account. In receipt of my letter they sent me a response requesting that I send them documents concerning this debt which I have attached below. They asked for my information such as a copy of my social security card, the nature of my dispute, account payment history and supporting documents. I detailed the nature of my dispute in the debt validation letter, what I want to know is, how are they able to verify this debt as accurate on my credit reports when they are asking me to validate this debt? Isnt it their job to verify this account as accurate and to have all documents pertaining to this debt that they are asking me? If they can not validate this debt and submit any sufficient proof that this debt belongs to me by law they can not report this account on my credit reports. I am demanding that this account is deleted from my reports now!
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As I checked this account, the payment history is inaccurate, and this was paid already before it went charged off.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a check to the proceeds I received after selling items from a reputable store into my Capital One 360 checking account via mobile app on XXXX XX/XX/XXXX. A few hours later, received a notification from the company saying the deposit was successful. This was followed by an email a few minutes later saying that the Capital One reviewed the deposit and determined there's a risk the check will return - to protect me, they were delaying the availability of my funds until XXXX XX/XX/XXXX. This was followed up with another email from Capital One saying that my account was being restricted until my recent activity could be verified. After review my accounts could be closed and all funds will be transferred to an externally linked checking account or sent to my by check. I immediately followed up with the store to see why and if their account had enough money to cover the cost of the check, which they verified that they did. I asked Capital One to call me back- since now my account was with a department that can not be reached directly via their customer service center but instead have to wait for them to call us back. I received a call from Capital One on XX/XX/XXXX saying the bank thought there was a high chance of the check being returned and to protect themselves they were cancelling my account. I have had similar restrictions placed on my account after receiving money from my XXXX program for a house downpayment and receiveing XXXX cash transfers from my fiancee in 2022- which were all ultimately resolved. On Monday XX/XX/XXXX Capital One successfully cashed my check- which I constantly reminded them would, based on the store 's assurances that they had more than enough money to cover for the check. My account remained frozen and Capital One did not take any action to move my funds to my externally linked checking accounts even though it is linked through the Capital One app. After leaving voicemails to their consumer protection department on the XXXX and the XXXX of XXXX, and receiving no reply on XXXX XX/XX/XXXX I finally managed to call and reach their customer service and was able to connect to the consumer protection team- I was notified that my account was closed even though the check was cashed and that they would be mailing the remaining funds in my account via check even though I explicitly requested the funds be transferred electronically to my external checking account linked to Capital One. The bank has now not only closed my accounts ( 2 savings, 1 checking ) on a false premise that the check would return, but has also kept the money from the check for over 8 days - when I have an immediate need for the use of the funds including the paying of a mortgage, utility bills, groceries amongst others.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 a account without my written instruction. 15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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: 1 ) I bought 2 tickets on XXXX XXXX in early XXXX for my wife and I to travel to XXXX, from XXXX. I purchased them online through their website. XXXX ) I used my Venture Capital One Credit card. ( but they tell me Visa company is responsible for outcome of decisions, not them ) XXXX ) XXXX notified me of a flight time change for the upcoming XX/XX/2023 summer trip I am referring to. This flight time change created more than a 5 hour change in our schedule. Additionally, the new flight times meant we'd miss our connecting flights in XXXX, taking us back to XXXX, coming back from XXXX. So, XXXX told us that they would refund our money back to our credit card, since we could no longer use the flights we purchased. Even though the were non refundable, due to the change in times, we were allowed the refund to our credit card, as you'll see in their 'refund back to the credit card ' policy shows they must do this. XXXX ) Based XXXX 's statements and direction, I purchased two new tickets with another airline that fit our scheduled time frame. XXXX ) However, XXXX ended up creating vouchers at a later time, and lying to the credit card company in our dispute, saying we requested them. Then they showed Visa a policy that everyone signs for a non refundable ticket. This is illegal, and even goes against their refund policy, and the the FAA Homeland Security policy about changing flight times and forcing passengers to accept their changes : no matter what agreements are signed when you buy a ticket ; the law says that airlines can not keep money, after they market a flight with a time to it - and then change the times dramatically. They can't make passengers find different flights, after they changed their flight times. XXXX ) I disputed the charge. Capital One has told us that they agree with us, that our documentation was sufficient to a refund. Even XXXX 's policy allows it. We gave 15 documents. XXXX responded a 2nd time after Capital One agreed with us and credit are account, XXXX said they gave us vouchers and we agreed to that in our non refundable tickets. The credit card person, XXXX, Employ ID XXXX with Capital One Disputes was the last person dealing with this. We have not even received any reasoning why they sided with XXXX. XXXX ) The people who make these decisions are " Visa '' and not Capital One, they told us, and they are neglecting the law, at the expense of cardholders. I gave multiple documents showing my initial phone calls asking where my credit was. If someone requested conversations in those calls, which are taped, they'd hear their agents confirm refund to credit card refund would happen. Then about 10 days later they changed their minds. Flights may have been found later to take us back to XXXX, after a 4 hour flight change from XXXX- but not at the time they told us we would get a refund to our credit card. I need our money back. This is not fair. My wife and I never wanted vouchers, never agreed to them. We relied on our credit card company to find the insanity in XXXX 's actions. They did not. They just took a document from XXXX and did not apply the law. It's very clear : the airline changed the flight times, and left us with no flight available to connect with. The flight changes were well past the 5 hours total flight change guidelines. The problem is that Visa did not consider the law, and only referred to a lie from the airline. I didn't sign an agreement saying you can 'change my flight times and I agree to a voucher '' when it's over 5 hours. And if they had that disclaimer, the law still trumps that. This is a clear case of a bad actor- XXXX is a horrible company, and although I complained to the FAA, no response has been made back to me. They are not honest people. I also sent them a letter, with no response. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Finally, Capital One and Visa also used some horrible timing issues. They said that we also missed our 'time ' to respond on one case, but in fact, all the documents I uploaded were identified for both cases. Thus, when they agreed with us on one of the ticket cases, they denied us on the other case because they did not use the documents uploaded for both cases. But then at the end, we lost both cases, and they won't tell us why? Other than the merchant they agree with and vouchers were given. Come on, if I take someone's money, change the product and then give them gift certificates, that is not what the law says. It says " refund. '' Please return my money back to me. The credit card company is wrong taking money on behalf of a fraudulent merchant, who breaks the law. I uploaded the documents to the dispute file, showing the change of flight emails, and the lack of flights available. XXXX does not even dispute changing our flight times. The credit card company should not accept that vouchers were sufficient. I have more documents I uploaded to Capital One, but the main ones are attached here. Please help. We can't afford two trips to XXXX, and Capital One and Visa company is not using the laws that were designed to project consumers. Thank you, XXXX
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: For multiple years Ive been going back and forth with capital one and XXXX XXXXXXXX about accounts which were opened with my identity and every time they say that they will clear it and its still not cleared
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please note that XXXX credit bureau has deleted the disputed item. However, capital One has intentionally posted it again. I believe that capital One has posted this again on purpose to ruin my name. I have the original screenshots of the item being deleted by XXXX. But Capital One has intentionally posted the deleted item again. Please see attached screenshots of original deleted items from XXXX. Account name : CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$2000.00} Highest balance {$2300.00} Terms NA On record until XX/XX/XXXX XXXX
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 paid for a one year of XXXX tv service with XXXX on XX/XX/2022 and I paid XXXX dollars but since XXXX and I do NOT HAVE THE SERVICE FROM XXXX BECAUSE THEY HAVE INTERNAL ISSUES. I paid for a tv service that I did NOT receive and I am not getting the service since last XXXX and I can not reach XXXX customer service because again they state that they are having issues and they refuse to refund me my money when I chat with them and I did all the troubleshooting they have on their website. But again I paid for a service that I am NOT getting at all. Its XXXX and the charge is XXXX on XX/XX/2022 on my capital one visa card. I called capital one Visa card to dispute the charge but they refused to help me because its from last XXXX but I paid for a service that I am NOT getting so I want a full refund of my money. I want my money back. Capital one needs to submit the dispute for me and refund me XXXX dollars and charge back XXXX XXXX I am attaching pictures of the charges and a picture of the service not working. Capital one Visa card needs to resolve this issue to my favor and refund me my money
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account is not mine I never opened nor did I allow anyone to open this account in my name, I am a victim of identity theft.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A