Date Received: 2023-03-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The below complaint was submitted several months ago, additional time requested before Capital One rep ( s ) chose to turn around, mark it as duplicate when it is not... Complaint was resubmitted, in which case, same behavior, additional time requested to reply before turning around, marking it as duplicate..I request CFPB look into this behavior and matter itself, take whatever action is necessary against Capital One ... As explained in numerous prior CFPB complaints, a Capital One 360 closeout check was intercepted, cashed by a third party while away on vacation in 2018. Capital One reps placed a stop payment on a prior check in error, reissued a second check, sent via XXXX which was intercepted by a third party.. When brought to attention of Capital One, their rep, XXXX XXXX, attempted to imply the person whom cashed check is related, which is irrelevant, signature was forged and person ( s ) whom forged check did not have consent or authorization to sign my nameXXXX XXXX failed XXXX send affidavit, had it been sent at the time, this matter would have been resolved, this is an error on end of Capital One which they will not admit to.. An affidavit was sent several years later, closed out in error, reps by the name of XXXX and XXXX refuse to reissue XXXX. The cashing bank, XXXX XXXX, requested a new affidavit which both reps, XXXX and XXXX refuse to reissue as stated prior. The most recent rep replying on behalf of Capital One, XXXX, apparently also refuses to reissue, refers back to statement made prior stating funds were obtained from person whom cashed check, in which case, the check provided to me did not clear which was explained in prior CFPB complaints ... Further, the person whom issued check is nowhere to be found in which case, a new affidavit would need to be reissued or replacement check sent from Capital One.. In closing, from past experience, Capial One reps do not accept or return calls ... .. XXXX left a number to reach out in which case, I've already left messages, a total of seven, prior for a XXXX XXXX XXXX none of which were returned ... XXXX XXXX with XXXX XXXX Bank XXXX cashing bank, requested a new affidavit which Capital One reps refuse to reissue ... Complaints marked as duplicate will be resubmitted, sent to other agencies for investigation.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a Capital One Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.
Company Response:
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have had a Capital One Online bank account, savings account, and MONEY teen account for a few years now with no issue. In XXXX, when I was hospitalized for 5 days, I came home to my statement and found 3 separate transactions totaling almost {$960.00} that I did not authorize. After reviewing the statement and calling the claims department on XX/XX/XXXX to file a claim for the unauthorized transactions, The fraud Charges are as follows XX/XX/XXXX at XXXX XXXX XXXX * {$340.00} # XXXX * {$220.00} Claim # XXXX * {$400.00} Claim # XXXX I have all correspondence saved if needed. When I initially filed my claim by calling claims, I had thought the 3 transactions were electronic XXXXXXXX XXXX. I assumed my card info was compromised or my card had been cloned like many I know due to having the card. I later checked my second bank account and saw over 45 days of unauthorized charges almost daily from the same location and filed a claim with my other bank as well, which has given me no issue. I set up an appointment with the bank fraud detectives at XXXX and filed a police report providing the cards, the statements, and the claims info for banks. A few weeks later, I received an email stating that the claim for all 3 transactions was denied due to the charges being from a micro-chip enabled terminal. I contacted claims and asked for an explanation they stated my card was used and I can not dispute the card use. I advised I did not authorize those transactions and if you review my history I never use my card at terminals ever, and was in the hospital at the time the charges were made. I advised I wanted a second look and that I could provide my police report. The claims agent said they would review my report with the deputy who took it if I emailed a request to reopen for investigations, which I did immediately. They also advised with the report they would get pictures and look deeper. I immediately transferred a majority of my balance to my other bank since Capital One was not protecting my money and my account. I sent via email everything requested, including the Deputys contact info, report, and detailed description of the appeal. This was all emailed to investigations as requested : XXXX They said they would review in 20 days maximum and then the provisional credit that they deleted from my account should be placed back into the account permanently. They took back the credit after denying the claim when it was under appeal. Credit reversed XX/XX/XXXX while investigations were still ongoing and the bank advised that this was a system generated automatic reversal that would be fixed once a police report was received. After 25 days no contact I called and spoke to a supervisor who said they received my police report and have reopened the claim, but that the investigations team hasnt reviewed. Since it had been over 20 days, the agent called, placed me on hold for about 30 minutes, and came back to say she requested they expedite review of my documents. Within 1 hour, I received an email stating my claim has been denied again with the same reason from a micro-chip enabled terminal. They never contacted the XXXX, accessed the police report, or provided any of the investigations information they promised. I called back and asked about the police report and the agent simply said I am not sure why they didnt take the time to review it and there is nothing further I can do. I asked about a second appeal process or my right to see what they investigated on these claims to deny them, and they did not know how I should proceed. The communication after that by phone with an agent named XXXX was responded to without the investigation information needed and without a name, the email was auto generated and is attached in supporting documents. The bank has failed to protect consumers against fraud and thoroughly investigate fraud and provide that information to me on their decision or coordination with XXXX.
Company Response:
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 a 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 any purpose.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account # XXXX I have been a Capital one customer since XXXX. Capital one charge me {$39.00} annually membership fee. capital one makes a lot of money from me in inters rate. Recently I have been paying off every month the charges the I made. but in early XX/XX/XXXX capital decided to close my account. they wait until I max out the credit card. They claimed that I did not talk to I customer serve rep right and the conversation was from in XX/XX/XXXX. So why they didn't close the account from in XXXX are XXXX. And they did have the decencies to inform me, so I don't used the card. I find out when XXXX alert me that my account was closed. by capital one closed my account my credit score went down by XXXX points
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Nothing happened or action was taken to cure problem at hand.
Company Response:
State: MI
Zip: 487XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email at XXXX XXXX XXXX on XX/XX/2023 about someone signing into a Capital One account in my name using a different device. I then recovered the username using my email and discovered someone opened a Capital One checking account in my name. I attempted to call Capital One to report this, however I was told by the credit card department that I would have to wait until the morning to speak to someone from the checking account department.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One credit card. Quick Silver Acct XXXX I have 2 capital one credit cards. For some reason they are not reporting this particular card to XXXX XXXX XXXX. Only reporting to XXXX. Its throwing off my scores from each other on accounts open and credit availability.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been trying to pay may credit card balance {$500.00} since XXXX this year but without any success ( in person, online or over the phone- doesn't work/ doesn't go through ). The credit card costumer service doesn't help me. The agents don't know how to resolve my problem. The phone call always get disconnected. I just keep being transferred from one department to another ( even without prior notice ) and nothing happens. The phone calls get disconnected and nothing is resolved. I just want to make a payment. That's all that I ask. I beg you to help me, please. I don't know what to do anymore. Please, help me.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a charged off card with Capital One. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A