Date Received: 2023-12-19
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: I bought the car on XX/XX/XXXX, I was told that I would have a warranty on my vehicle and would be able to get it serviced at the facility. As soon as I left the lot, the indicator lamp came on and I called the facility, only to be told to email the person who emailed me the car. I emailed him on XX/XX/XXXX and XX/XX/XXXX of XXXX and was told to contact XXXX XXXX, sales manager, who did not return any calls or voicemails I left for him. I called in XX/XX/XXXX to have my car serviced and was told I needed to go to another facility due to them having no availability. I believe I was shunned or barred from the facility due to the XXXX XXXX XXXX XXXX being sold to me as defective. I had an appointment on XX/XX/XXXX that was cancelled via telephone for unknown reasons. For months, I called and emaileXXXX XXXX XXXX XXXX, Captial One, XXXX XXXX and have been either denied, ignored, or ridiculed. I emailed the XXXX XXXX XXXX regarding my claim and did not receive a response. Then, I proceeded to call and when I did not receive a response, I put in a claim to the XXXX XXXX XXXX on XX/XX/XXXX, due to the car failing to start and told due to my mileage I do not qualify. Since then, I have attempted to get Captial One or XXXX XXXX to repossess the vehicle since I stopped making payments on it. I lost my job due to not being able to travel because of my car breaking down on me and I still have the burden of the defective vehicle I was sold.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/23 my online Capital One QuicksilverOne card application was approved with a {$300.00} limit & annual fee. The day after I successfully set up online login, Capital One stated I wasn't me & demanded I upload my gov't issued identification for verification, which I did not do. As my data was previously approved by this company, this clearly demonstrated data mishandling. On XX/XX/23 I contacted the company at XXXX to close account, & confirmation letter was promised. Today, XX/XX/23 I received email stating my card ending in XXXX has been mailed. After today 's follow-up call, I was informed the fraud department is now handling an account this company refuses to close, which now appears as an attempt to steal my data & charge annual fee.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. Capital one/ Neiman Marcus is a financial institution by definition under 15 USC 6801. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital one/ Neiman Marcus never informed me of my right to exercise my nondisclosure option. Pursuant to FCRA 15USC 1681a ( 2 ) a consumer report does not contain or include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law states that it is illegal to report Transaction history. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. In your agreement with consumers you agreed to follow the law. I demand that the following transaction history be removed immediately : NAME OF ACCOUNT : Capital one/ Neiman Marcus ACCOUNT NUMBER : XXXX LIST OF INACCURACIES FOUND ON XXXX CREDIT REPORT : payment history days late history
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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 disputed a charge of {$540.00} out of {$3900.00} charge in my capitalone credit card ending in XXXX ( Dispute Ref # XXXX ). I have provided the treatment plan and contract signed related to this charge ( on attached document page XXXX, second visit price {$3900.00} for two XXXX XXXX XXXX on the XXXX XXXX and XXXX XXXX, each 1980 $ ). But Capital One declined this dispute and asked for the invoice or payment receipt to show {$3900.00}. The problem is this clinic didn't provide any invoice or receipt but just went ahead and directly charge {$4500.00} without my permission. In the supporting documents iI provided to capitalone, the agreed-upon amount in the treatment plan and contract signed by the merchant was indeed {$3900.00}. I also gathered any other relevant documents that can help support your case. This includes communication with the agency connecting me to the merchant showing the price of {$3900.00}, or other evidence that can demonstrate the correct amount of the charge. I believe there has been an error in the billing, and I am disputing this charge because my contractual agreement with the merchant clearly states that the correct amount for this transaction should be {$3900.00}. Unfortunately, I do not possess an invoice or receipt specifically for {$3900.00}, as the transaction was conducted based on our contractual agreement rather than traditional invoicing for a clinical treatment and the clinic just ignored any request from me after charging {$4500.00}. As such, I need CFBPs help with that for this dispute process.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I was told by each of these financial institutions that by law I was NOT ALLOWED to opt out of them reporting my non public personal information to a non affiliated party. In all of their privacy statements it clearly states i have the right to opt out which is also my right as a federally protected consumer, per the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ). Since prior correspondence has gone ignored this complaint will serve as notice that reads as follow. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or non verbal indefinitely as is my federally protected right among other rights granted to me. 15 USC 6802 Obligations with respect to disclosures of personal information ; 17 CFR 162.6 - Reasonable opportunity to opt out ; 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties.16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time ; 12 CFR 1016.1 - Purpose and scope ( a ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 us 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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 purchased steaks and hamburger from XXXX XXXX, an online meat delivery company. The box arrived, the meat was thawed, and spoiled. It arrived in a cardboard box that was not insulated, nor packed with dry ice. The meat was not editable and had to be put in the garbage. I contacted the company and they refused to provide a refund. I filed a dispute with my credit card company, see attached exhibit # 1, I filled out the form that they requested describing the problem, see exhibit # 2. They denied my dispute, see exhibit # 3, claiming " it lacks all of the previously requested information ''. I sent to them all of the information possible concerning the issue. I filed a request to continue the dispute, see attached exhibit 4. On XX/XX/XXXX they sent to me the exact same form letter, " it lacks all of the previously requested information ''. I not only explained my dispute to the customer service representative, I filled out the form completely, and I sent them 3 pictures of the plain cardboard box that the spoiled meat arrived in. What responsible company sends {$460.00}. of meat in a plain, uninsulated box.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have attempted to contact Capital One at multiple telephone numbers to obtain debt settlement on multiple occasions both via telephone ( i.e., XXXX XX/XX/2023 and XXXX XX/XX/2023 ) and in writing ( i.e., XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/2023 ). At each contact, I informed Capital One that I am a senior citizen on a limited and fixed Social Security retirement income that is below the poverty level. I offered to pay various amounts ( i.e., {$500.00}, {$700.00}, {$1000.00} ) on my credit card debt but Capital One has refused my offers and has repeatedly stated I did not qualify for debt settlement. I last made a payment of {$100.00} on XXXX XX/XX/2023 when my balance was {$2300.00}. Since I stopped making payments, my credit card balance has increased to {$2500.00} due to interest fees and late charges. I have not used this credit card in years and have been making payment that barely cover interest fees that have probably covered the debt long ago. I can not crawl out from under this debt and do not have the financial resources to pay the debt due to increases in food costs, utilities, etc. I wanted to work with Capital One but they have not assisted me in any way and have suspended my credit card. I await it to go to collections but would like advice and assistance. Thank you.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To date I have made {$5100.00} of payments on this account. Each time I pay the money is held unless funds and payments have been verified. XXXX a {$200.00} charge was kicked back. I was traveling and had a medical emergency multiple XXXX XXXX in XXXX, TX and in XXXX With all of the medical copay costs adding up it created my first overdraft in years in in XXXX XXXX account, thus a charge back. I am XXXX in XXXX and believe that Capital One Bank has profiled me or hot carded me. I have multiple accounts with this banks and only have problems with my XXXX XXXX. On my XXXX account my payments clear in seconds. As a sick person during the holiday season, my payments clearing and posting is vital to my heath and for providing a XXXX XXXX to my family and friends. Thanks for looking into this matter.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Consumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Capital One Regarding Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Capital One for what I believe to be an unjust and poorly communicated closure of my credit card account. I have been a reliable and timely customer, consistently making payments on my Capital One credit card. Recently, I was issued a new Quicksilver card by the same institution. However, to my dismay, I discovered that my previous card had been closed without sufficient notice. As an active business person managing numerous accounts, I admit to inadvertently making payments from accounts that were not active. This error led to transactions being reversed an issue I was unaware of due to a lack of communication from Capital One. Despite their claim of sending a letter, such traditional methods are not only outdated in our digital age, but also less reliable compared to digital communication channels, which I regularly check. I believe this matter could have been easily resolved through a simple phone call or an email, both modes of communication that are more immediate and convenient in todays fast-paced world. My mobile number is always available and within reach, and I am surprised and disappointed by the lack of direct communication from Capital One. The abrupt closure of my account, without proper digital notification or a personal outreach, has caused me considerable inconvenience and potential harm to my credit score. I request the CFPBs assistance in investigating this matter and urging Capital One to reconsider their communication practices for such significant actions. It is vital for financial institutions to adapt to modern communication methods and ensure that customers are adequately informed about important changes to their accounts. Thank you for your attention to this matter. I look forward to a resolution that acknowledges the importance of effective and timely communication between financial institutions and their customers. Sincerely, XXXX
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A