Date Received: 2023-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2022, I contacted Kohls in regards to my store card after I became chronically ill. I was out of work for a prolonged period of time, and needed assistance with making my payments. After explaining this to the Kohls customer service representative, she explained that I could take part in a financial relief program that they offered. She told me that I would pay about $ XXXX while on the program, and that my card would be frozen until I paid off the balance. I asked her if my Kohls card would be closed, because I did not want to close it. She said that the card would not be closed, and that it would only be frozen. I agreed to join the program because I was told my card would not be closed. A few weeks after this phone call, I received a letter in the mail stating that my account was closed because of my enrollment into the program. I called Kohls back, and asked them why my account was closed. The agent informed me that the closure of the account was one of the terms of the agreement. I went back and forth with Kohls for a few weeks about this, and they eventually listened to the call in which the agent enrolled me into the program. They told me that they heard her tell me that they account would remain open, but there is nothing they could do since it had already been closed. The closure of this account caused my credit score to drop over XXXX points. This account was my second oldest account on my credit history.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: On XXXX XXXX I did a balance transfer of {$7000.00} on my CapitalOne card from my XXXX. As of XX/XX/2023 the transfer had not posted on my XXXX account. So I called Capitalize One and they researched it and said there had been a mistake and a number was left out of the account # for XXXX. I double checked my part and I had entered it correctly online. The following day the transfer posted on my XXXX account. Which would not of been possible if account number was wrong. Of course by now CapitalOne had cancelled payment. Because of the payment reversal, XXXX now has my account on restriction in that every payment I make is reviewed and not posted to my account immediately. Instead it takes XXXX days. Also because the Capital One credit card is showing that I have max my credit limit, my credit score has lowered significantly and I was turned down for credit. This is effecting my business for a mistake that CapitalOne made. They are telling me it could take XXXX billing cycles before it is credited back. Which is ridiculous for a mistake they made. This means I am paying interest on another credit card because I couldnt transfer the amount and my credit score is still affected. This practice should not be allowed. 30 days should be more than enough time to resolve their mistake.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Capital One assumed control of my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. Prior to this transfer, a payment was made for the entire statement balance of {$1600.00} on XX/XX/XXXX through the online payment mechanism in place at the time through XXXX. Please review a copy of the attached e-mail with a payment confirmation # of : XXXX. Despite my payment, and the entire account history of paying each months statement balance in full, Capital One has not credited this payment to my account, and in spite of hours spent with Customer Service, there has been no progress made at all in resolving the matter. On XX/XX/XXXX between XXXXXXXX XXXX and XXXX XXXX, multiple calls were made to Capital One XXXX XXXX Customer Service at XXXX, on several occasions the system would report wait times of over an hour, and the system would ask me to opt into a call back when a representative became available. On the 2 occasions when I elected this option, the system would call back with an automated message that advised me to hold for a representative, and then the call would disconnect prior to any representative becoming available. After numerous calls, your customer services representatives reported they did not know how to help me, and could only enter a note. I had been requesting a case be opened and that I be able to submit electronic correspondence which would confirm the payment. However, I was advised your online system had no ability to upload documentation and that only a supervisor could open a case which would allow e-mail or electronic submissions. I was finally transferred to a supervisor, XXXX # XXXX, and she was rude and completely unhelpful. She reported she would not open a case, and at first suggested that I trust her that it will all get worked out. When I asked for some written communication to commemorate this reported trust, she reported she could not do that. She continued to report that the system was not recording old data yet, but when I confronted her with the fact that it is recording pending charges, she amended her position to say it was not processing previous payments. When I asked how this could be when I now am being harassed by Capital One via texts and e-mails that I have a payment due, and none is due, she then incredibly suggested that I should take this up with XXXXXXXX XXXX, the prior account managing institution. I advised her that her position held no merit, and I strongly advised her to take action by opening a case / dispute/ or review to address this error. I further advised her verbally, and hereby do advise you in writing that any inaccurate negative credit reporting made Capital One against me would be in violation of Fair Debt Collection Practices Act ( FDCPA ), and would be followed up with vigorous litigation. I do hereby demand a forthwith crediting of my paid balance on the account that you assumed from XXXX XXXX XXXX XXXX XXXX. If XXXX XXXX has not properly forwarded these funds to you, then your issue is with the, and not trying to impose an already paid debt to me. Forthwith movement toward this demand is highly encouraged, or litigation and Consumer Financial Protection Bureau ( CFPB ) filings will proceed. I have recently locked this account and will be in touch with XXXX Regional Director to advise them of the grossly unsatisfactory experience I have had with their cards transition.
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This account is over limit because Capital one is charging {$40.00} late fees on a XXXX balance. This is the definition of junk fees and I hope Capital one is viewed as XXXX of the companies imposing junk fees
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Under the FDCPA, debt collectors are prohibited from Abusing or harassing a consumer by, for example, repeatedly calling their telephone or letting it ring continually.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1. NOTE : I XXXX XXXX, DO NOT have any accounts with Capitol One. I paid off my accounts with Capitol One on or about XXXX XXXX with a letter enclosed stating Do not contact me ever again. 2. On or about the year XXXX my Fiance " XXXX A XXXX '' inquired with Capitol One over the phone with customer service, for her account best way for myself to be able to act in XXXX XXXX best interest regarding her account. XXXX XXXX XXXX was born in the XXXX, although she can speak XXXX, it is hard to understand what is being said. AND while she goes home to visit family due to lack of cell phone coverage she is unable to reach out for help if something arises with Capitol One. They asked if XXXX XXXX XXXX wanted to add me to her account and be able to purchase with a credit card thru her account, We both told that person NO! 3. Capitol One suggested to have me added as a XXXX XXXX like any company out there would have a contact person in this event with staff having a company credit card. We agreed to that over the phone. XX/XX/XXXX I received an Alert from XXXX stating that Capitol One had placed a credit report on my with the credit bureau 's stating my credit is getting to high and lowering my credit score. When I called Capitol One on this matter the person I spoke to tried at her best to convince me that XXXX XXXX XXXX did want me to have a card I told her NO several times. Looking back Capitol one had added me to her account at some point without either of our consent, adding my name to the billing statements. XXXX XXXX XXXX saw these statements while she is home never noticed it, she would tear off the payment slip and make her payments. 4. I contacted a attorney she sent a letter on this matter. Capitol One response was absurd, making demands that they would not respond to this attorney unless I in writing say it was ok or by verbal over the phone and demanding I change my address to the attorney address later at the end of the letter demanding this attorney become Power of Attorney. Very confusing. 5. I called the number on the letter from Capitol One to give my verbal permission to allow the attorney to talk in my behalf than it all got exposed what was going on. Let me tell you I was Extremely UPSET, this tripped up XXXX he says he is a XXXX, he tells me it is in Fraud, someone put me on as the owner of this account, let alone trying to blame XXXX XXXX XXXX for doing so which she would never do. Then he slips out that Capitol One did this on their own, Capitol One commit-ed the FRAUD Now they are trying to cover it up submitting it as FRAUD to get it removed off my credit report. Today XX/XX/XXXX I get another notice from XXXX saying I'm over my credit limit with warnings how its affecting my credit score which was near XXXX now Capitol One is screwing it up with their FRAUDULENT activities. My attorney told me to file this complaint with you after I told her what Capitol One is or has been doing far to long without any ones consent or knowledge. 6. I requested a transcription of the conversation seeing it was being recorded XXXX Refused this and told me he didn't have to release nothing to me. He knows Capitol one is at fault and its recorded.
Company Response:
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/23 I had a bill pay issued from my Capital One account # XXXX for {$2000.00} and the check was lost in the mail. The vendor never received it. After the check was reported lost after 10 business days according to policy I waited for the refund. I have never received a refund. I have called Capital One over 15 times, spent 30 hours on the phone, I have been lied to at least 5 times by front of staff and management on when my funds will be returned. I have been a client of capital one in various ways for almost 18 years. I just started checking with them and I could not be more upset. I have an auction item that must be paid and Capital One is intentionally not refunding my money. I am without {$2000.00} to run my small business and Capital One is violating its own policies by not refunding me for a lost check. Many times I call customer service they are foreign, put me on hold, and then just flat out lie to me. It should be a regular course of business that checks are lost, stops placed on them and given a reasonable amount of time the check refunded. I am being held XXXX by Capital One and there is NO ONE who will fix my problem because they are an internet bank there is no where to go. Also, the calls to the foreign country were complaints go is a terrible line that is static filled and drops. My call has been dropped numerous times and only ONCE did Capital One call back. XXXX XXXX
Company Response:
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2023-03-01
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 status incorrect
Consumer Complaint: Reviewing my account and payment history. Capital One is reporting a late payment to both XXXX and XXXX for the month of XXXX. This information is false, and the history shows where I even paid extra for that specific month. I will attach the payment history from their own website. I attempted to reach out to Capital One on numerous days, only to be hung up during an automated transfer several times. I tried their chat system, and it directed me to call. They are also not reporting all of my payments monthly on my consumer report. The law states this information has to be 100 % accurate, or it must be removed or deleted. I am requesting that it be deleted from both my XXXX and XXXX consumer report. Furthermore, I did not give them permission to furnish this info to the reporting agencies. FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) state this information is to be excluded from being reported to any consumer reporting agency.
Company Response:
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A