Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 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. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it
Company Response:
State: MI
Zip: 49203
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently pulled my XXXX reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for Capital one acct # XXXX I requested that XXXX investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. Pursuant to 15 U.S. Code 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account capital one credit card has not been properly verified. Please delete this account Capital one credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors
Company Response:
State: IL
Zip: 60616
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a refund from XXXX XXXX in the amount of {$740.00}. However capital One venture card decided to take {$200.00} of that I dont know why they they left me with {$590.00} how is it they have a right to do that whats next theyre gon na go into my card that I paid my bill with and help themselves? this is preposterous I wasnt expecting it I want that {$200.00} back. I pay my bill all the time Im never late ever ever ever.
Company Response:
State: AZ
Zip: 86314
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Capital One card had a conventional method where I would receive monthly statement for a 30-day billing cycle with a payment due date. Generally, I incurred interest for the portion of the statement balance I did not pay by the due date. In the statement that I received on XX/XX/XXXX ( Billing Cycle XX/XX/2023 to XX/XX/2023 ), I had a rollover balance of {$400.00} and a new transaction balance of {$4500.00}, for purchases made during the billing cycle. The statement 's due date was XX/XX/2023. I paid the balance in full by the statement due date. However, I was charged {$82.00} of interest for the XX/XX/XXXX statement. This interest is way higher than the expected interest for the rollover balance of {$400.00} based on account APR. I reached out to customer service and explained my concern to multiple representatives from management. They failed to explain the charge calculation and changed their method 2-3 times. After failing to provide a clear justification they hung up. To my surprise, CapitalOne again charged me an interest of {$80.00} despite having a {$0.00} balance in the account. I called and spoke to another supervisor who again failed to provide a comprehensible explanation for having a monthly statement with {$80.00} interest with no transaction/balance. CapitalOne has unusual interest charge practices that dont align with fair business practices and thus I decided to close my account.
Company Response:
State: NY
Zip: 13212
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to formally file a complaint and request your intervention regarding adverse actions taken by Capital One against my credit card accounts. The adverse action transpired on XX/XX/2023, and included the closure of one of my accounts on XX/XX/2023. The affected Capital One credit card account numbers are as follows : XXXX XXXX XXXX XXXX XXXX Capital One has failed to comply with the notification requirements for adverse actions, and I have not been provided with a clear and detailed explanation for the adverse actions taken against my accounts. Additionally, one of my accounts ( account number XXXX ) was closed on XX/XX/2023, with Capital One citing fraud and violations of the consumer agreement. Despite repeated attempts to seek clarification from Capital One, I have not received the necessary information to understand the basis for these allegations. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to assess Capital One 's adherence to consumer protection laws, specifically in relation to adverse action notification requirements. The lack of transparency and communication from Capital One has left me in a state of uncertainty and distress, and I believe their actions may be in violation of regulations such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). I am seeking the following from the Consumer Financial Protection Bureau : A thorough investigation into Capital One 's compliance with adverse action notification requirements for the aforementioned accounts. Assessment of the reasons provided by Capital One for the closure of account number XXXX, including evidence or documentation supporting claims of fraud and violations of the consumer agreement. Any relevant information or evidence that Capital One may possess regarding the adverse actions taken against accounts XXXX, XXXX, XXXX, XXXX, and XXXX.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I've been a victim of a massive identity theft and have provided all asked for and required documents and they have still not reopened or refunded my money
Company Response:
State: MA
Zip: 015XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday, XX/XX/XXXX I withdrew {$1.00} from the Capital One branch at XXXX XXXX XXXX XXXX, XXXX , DC XXXX. The teller that assisted me had a name badge saying XXXX. She was very pleasant and efficient. I asked for the {$1.00} in the form of 14 dimes because at home I had an incomplete {$5.00} roll of dimes and the additional change will allow me to complete the coin roll and to return to Capital One to deposit the {$5.00} roll into my savings account. At the time of the withdraw, XXXX asked me for my driver 's license which she scanned, a perfectly appropriate safeguard for any cash withdrawal regardless of have minimal. XXXX and I joked that 14 dimes was an unusual withdrawal, and it would turn out for XXXX to be a memorable one, given the subsequent problems at the branch on Monday, XX/XX/XXXX. On Monday, XX/XX/XXXX, I went to a closer branch at XXXX XXXX XXXX, XXXX XXXX, MD XXXX to deposit the {$5.00} roll of dimes. When asked for an ID, I presented by XXXX XXXX XXXX, issued by the United States Customs and Border Patrol, a division of the Department of Homeland Security. None of the four tellers in the XXXX XXXX XXXX were familiar with this valid for of US Government Identification. I was asked if I also had a driver 's license, but on this day, I did not. I have gotten out of the habit of carrying a driver 's license due to the elevated level of street crime in the District of Columbia. Further I questioned the strict demand for a specific other ID, given that I had keyed-in my PIN in the teller device and this was a deposit of {$5.00}, not a withdrawal. What crime is being stopped by jamming up a customer attempting to deposit XXXX coins and providing a perfectly valid US Department of Homeland Security ID. After about 15 minutes during which no other customers in line were helped, all four of the Capital One branch employees took my ID into the back and huddled to discuss. I don't know if my ID was photographed, subjecting me to Identity Theft risks, because it was taken outside my presence for an extended period. Finally the teller returned and was on the phone with the absent branch manager, XXXX XXXX. The teller hung up from her call with the absent branch manager and told me that this ID was not on her approved list. I argued but was told that she doesn't make the rules and is just following orders. I asked if as a courtesy the bank could simply convert the coins to a {$5.00} bill so that I could then deposit at the ATM and that was refused. I was told to leave. I walked the two miles to the other Capital One Branch at XXXX XXXX XXXX XXXX, XXXX , DC XXXX. That branch was chaotic with approximately 7 capital one senior regional employees gathering around ongoing construction and discussing how the new doorway was not ADA compliant but maybe the branch would get away with it. None of that concerned me other than to note the lack of compliance with the laws of the United States and the District of Columbia. Ultimately I was able to approach a teller named XXXX and attempted to deposit the {$5.00} into my savings account, first inserting my chip card and then typing in my 4-digit PIN. When XXXX asked for my ID card, I again presented my United Stated Department of Homeland Security CPG Global Entry Card. XXXX held it for a couple of minutes and then told me it was not on the approved list of government ID cards. I again questioned the absurdity of not accepting my coin deposit. XXXX rambled off a list of acceptable ID cards and when he reached XXXX XXXX ID, I told him that he was being absurd and requested a manager. He told me that a manager would tell me the same thing and will not accept my deposit. Again I requested to speak with the branch manager and he said he would ask if she would be willing to speak with me. I took a seat in the waiting area and was eventually approached by XXXX XXXX, the same manager who had been absent from the other branch and who had rejected my deposit when reached by phone. XXXX XXXX and I discussed the situation and she acknowledged that given my physical possession of my Debit card, and knowledge of the PIN as well as this clearly valid government photo ID, that there is no dispute that I am in fact the customer. However she stated that Capital One does not accept the XXXX XXXX XXXX because it's purpose is for admission of persons returning to the United States, however she would accept a passport, which I argued is a document with exactly the same purpose. In fact ownership of a passport is required to subsequently be allowed to do the in-person interview with US Customs and Border Control , which along with payment of {$100.00} is necessary to be issued a United States Department of XXXX XXXX XXXX XXXX XXXX . When it was clear that her arguments were nonsense, she said she would consult with Operations Manager XXXX XXXX, who was present overseeing the installation of the new non-ADA-compliant entry door. XXXX XXXX would not speak to me but she agreed that the branch should not accept my deposit. Manager XXXX then presented me with a slip of paper ( attached ) entitled " important changes coming to cash transactions '' as evidence that I can not use a XXXX XXXX XXXX as an ID. However when I pointed out that it simply says " Valid government photo ID '' she could offer nothing but " well it is not on our list. '' At that point she began to threaten the use of law enforcement indicating that I was attempting an illegal transaction in voilation of " AML. '' I asked what is " AML '' and she said " anti-money laundering. '' Clearly she wanted me to feel in threat of physical force by law enforcement as is typical when bureaucrats seek to use their limited authority. She said she would speak with Market Executive, XXXX XXXX, who was present in the branch for the earlier conversation about the illegal non-ADA compliant entry door. Again I waited. When Manager XXXX returned she said that a one-time compromise they would make would be to allow me to deposit the coins as a {$5.00} transaction by a non-customer but that I would be required to enter my SSN. She never explained what anything further but I agreed. She then lectured me so that I would understand that this exception would never be made again should I attempt to deposit {$5.00} again with a XXXX XXXX XXXX, a valid government photo ID. I said she need not worry about that because I would not return to a Capital One branch in the future. She was of course pleased to hear that I will take my business elsewhere. I went to the teller counter, and this time was assisted by XXXX, not XXXX. XXXX remembered me from Saturday and the unusual transaction where I had withdrawn 14 dimes and she said " you had a driver 's license that day. '' I agreed that I did on that day and that was of a course a day I was making a withdrawal, not a deposit. She informed Manager XXXX that she recognized me in person. As on Saturday XXXX was incredibly friendly and professional and worked very hard to accomplish this deposit, based on the agreed fiction that the branch would treat me as non-customer despite everyone agreeing that I am a known customer. After multiple attempt, including the assistance of Manager XXXX, finally the bank employees gave up and simply agreed to give me a {$5.00} bill in exchange for the {$5.00} roll of dimes. I then walked the 12 feet to the ATM machine, where upon insertion of my Capital One Debit Card and entry of my four digit PIN, I was able to make the {$5.00} deposit to my checking account. Of course it was then evident that a picture ID is in fact not a requirement to make such a deposit because the ATM machine accepts a deposit without requiring the presentation of a picture ID. After walking out of the branch I did an online transfer of the {$5.00} from my checking to savings. The transaction ultimately required the involvement of at least 9 Capital One employees and nearly 2 hours of my time.
Company Response:
State: DC
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am a XXXX XXXX Capital One Credit Card Holder who pays an annual fee of {$390.00}. I paid my annual fee this year in XXXX, and as part of that annual fee, should receive a {$300.00} annual travel credit to use in the travel portal. I never received my {$300.00} annual travel credit, so I called their customer service line to resolve this issue. Now, over 4 weeks after my initial phone call, and multiple phone calls back to get an update, they have yet to issue me my {$300.00} annual travel credit, and I have no way to know if they ever will. They have not provided me with any timeline as to when they will resolve this issue, and I have heard conflicting information from different customer service representatives.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello... I have a hard inquiry on my credit file with CapitalOne on XX/XX/XXXX... I only have one card with them started XXXX XXXX ... I would like to have this hard inquiry removed..from my file ... Thank you
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a fraud transaction of USD XXXX on my capital one card ending in XXXX. I am unable to report this. The app redirects me to the website, and the website asks me to call XXXX. However, on calling your that number and yelling my card number and asking for a representative the call is simply dicsonnected by the IVR system. It seems this is being done on purpose to prevent callers from reaching customer. Requesting your immediate intervention in this matter, please.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A