Date Received: 2023-12-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX, I'd sent Capitol One a billing error. Billing Error amount of {$3500.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check. They then sent me a letter closing my account. Per 16 CFR 424.1 In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ]
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I contacted Capital One on several occasions and informed them I was in XXXX when accounts were established and they are still trying to hold me liable. My identity was compromised due to a security breach from their organization.
Company Response:
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: While I was unemployed several times over the past year, I fell behind on my credit card payments. When I fell 90 days behind, Capital One kept the account open, and still accepted payments on it. I got the account caught up in XX/XX/XXXX with a {$340.00} payment. The account restricted. I called Capital One to inquire about the terms of the restriction. I was informed that because the account had gotten 90 days behind, I would need to pay it off entirely. Then I could apply for another account. So essentially the account is closed. However, Capital One never closed it. In the status that it is in, ( open but restricted ) I am unable to use it. My credit report will reflect an open card account with no available balance. They can continue to accrue interest, and I may incur potential late fees ; which has a negative impact on me. I guess my only sensible option is for me to request to close the account. Otherwise, if they are leaving it open and unusable ; they should cease charging interest, and just allow me to pay off the balance.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Subject : Complaint Against Capital One Regarding Reporting Inaccuracies and Lack of Assistance During Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting on my account # XXXX. Capital One has reported three consecutive months of late payments for XXXX, XXXX, and XX/XX/2023, despite my efforts to make partial payments due to unforeseen financial hardship that significantly affected my ability to meet the minimum payment requirements. During this challenging period, I communicated my financial hardship to Capital One in XXXX, XXXX, and XX/XX/2023 and attempted to manage my payments to the best of my ability, albeit below the stipulated minimum amounts. Regrettably, Capital One did not provide meaningful assistance or accommodations until three months later, offering a lowered payment and interest rate, which could have significantly alleviated my financial burden during the critical months of XXXX through XX/XX/2023. Enclosed with this letter are documents supporting my claim, including communication records with Capital One and financial statements demonstrating the hardship I faced during the disputed period. These documents serve as evidence of the challenges I encountered and my attempts to manage my obligations during this time. I believe Capital One 's delayed assistance and inaccurate reporting violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX Reform and Consumer Protection Act, which safeguard consumers from unfair treatment and inaccurate reporting by financial institutions during times of financial hardship. I respectfully request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I am seeking a fair resolution that includes a review of the inaccurately reported late payments and the lack of timely assistance provided by Capital One when I struggled to meet my financial obligations. I appreciate your prompt attention to this matter and kindly request updates regarding the investigation 's progress. I am willing to provide any further information or documentation necessary to facilitate a swift resolution. Thank you for your assistance in addressing this issue. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
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: Subject : Unresolved Charges Dispute Regarding XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an ongoing issue I have encountered with my credit card provider, Capital One, related to a recent rental car transaction with XXXX. I utilized XXXX for a rental car service and took the necessary steps to avoid additional charges, including refilling the gas tank and using my personal toll pass. To my dismay, I was billed for both gas and toll fees despite complying with the rental agreement. Upon noticing the erroneous charges, I promptly filed a dispute with Capital One, which initially resulted in a refund. However, to my surprise, a subsequent price adjustment led to a reiteration of the charges. Despite providing conclusive evidence of having refilled the gas and utilized my own toll pass, Capital One has been unresponsive and unwilling to address this matter satisfactorily. I am seeking your assistance in resolving this issue and ensuring a fair and accurate resolution to the disputed charges. Your intervention in facilitating communication between myself and Capital One would be greatly appreciated. Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will help in rectifying this situation promptly. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: They shut my account because of inactivity in XXXX of XXXX, but i had there money in cash rewards which they are not letting me claim ( {$430.00} ) they claim to have notified me about it, but i didnt get such notification.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-12-17
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital One cc. I was on a hardship program, and recently was to be placed on a specialty program. Orig : limit was {$200.00}. This was to be an interest free account. I am currently homeless, Capital One is dropping my score XXXX pts a month, and charging me {$40.00} late fees every month. I had been working on my credit, it had raised to XXXX. It is now {$570.00}, do to Capital One. This credit decrease, also, affects me obtaining an apartment.
Company Response:
State: TX
Zip: 78233
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. Below are the details of the late payment information that requires attention : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Company Response:
State: NY
Zip: 11219
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A