Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When I called in the person wouldnt answer my question, when I was trnasfered to a supervisor XXXX, I asked him numerous times if the time was currenly before XXXX. he argued that XXXX is AFTER XXXX but no, XXXX is before XXXX. then hekept calling me sir when I have asked them not to use any pronouns other than my names. this is XXXX discrimination.
Company Response:
State: OK
Zip: 73119
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX, Capital one bank restricted my business account said there is a wire transfer in my account amount as XXXX as fraud transaction, that is one of my purchaser recall. they will close my account due to this problem and hold all my funds in the account. Until XXXX, the {$35000.00} was return by capital one bank, and my account still restricted. Until XXXX, no further action was taken by the bank, they still restricted my account and hold my money, remain balance is {$110000.00} During the time, I continued ask them, but the unfair point is, they said no time line for the investigation and they can not tell me anything. at the beginning they said wire transfer in has problem, after that even they resolve the transaction, they still said no time line, still hold, even they tell me why, that is ok, I will wait, and company all they work.
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: Account shows open when the car was voluntary surrendered.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from 1. CAP ONE NA Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX and 2. XXXX XXXX Inquired on XX/XX/XXXXXXXX On record until XX/XX/XXXXXXXX I called both Cap One NA, XXXXXXXX who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I would like this Deleted from my recordits not fair reporting. I tried several times to pay and they kept blocking my account. Online and app payments were not being allowed. I had a few payments returned due to bank errors, payments were paid the same day they were returned but they still closed my account with no notification to me at all. Then I was able to make payments on the closed account ONE TIME before they locked me out online and on the app ( wasnt accepting payments ) then they charged the account off. Again now as a charge off without any notification to me. They did not even offer a settlement.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: We are currently on a very high loan for a XXXX XXXX XXXX. We have been behind on the car payments and are currently waiting for my husband 's pay for a job, the job is on a construction loan and taking longer due to the owners needing to request a bank draw. Before this my husband had an accident and was in the hospital after having XXXX on his hands as a concrete finisher he was not able to work and it set us back. I knew our car loan was in default but did not think that it was in actual repo status yet. We had been in the past and received a letter via the mail telling us the date we had to get the account caught up by. We have not received this mailing, I have received text messages that read " your account is severely past due, we may have options for you to avoid repo '' XX/XX/XXXX. " Your account has been assigned for Repo, call us to make payment options and possibly avoid repo '' XX/XX/XXXX. Based on it being " assigned '' I believed it was being transferred to be in repo status, but I still had time to avoid it if I could get a payment within the day. Knowing my husband would be paid soon. The Repo man showed up today while I was home. I was caught off guard and knew I had read in Wisconsin there was a " breaching the peace law '' I asked him about that and he said no, he could take it even if I declined. But I could call the bank while he was there. I called capital one and the customer service agent said I had to let them take it and then call back in XXXX hour. He also told us we would be able to get the car back and it was just going to a holding area and there wouldn't be any extra fees. During this time my husband had looked on his phone and saw that this was a law and that he could request for them to leave. The tow guy then changed what he was saying and said " Well yes you can but then your loan will be canceled for your car ''. Then told my husband he had to look in his body camera and say I orally declined this repo '' I do not have the name of the tow company. Capital, one does I imagine, and all of this is on his body camera, he told my husband and I it was on when we first started talking to him. After my husband declined the repo, I called Capital One and was told they could set up a payment plan. I have contacted an attorney and have a scheduled consult for later today. However, from what I understand, I should have received notice via mail of the repo and that the Repo man and Capital One can not threaten financial consequences on be due to me asking for them to not breach the peace during the repo, and him lying about the law not being valid could be considered that alone.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This bank is crazy they are denying my fraud claims refusing to reimburse me sent me email
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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 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 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, ( 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 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.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CapitalOne account beginning with XXXX is a " Charge off '' which means it's a certificate of indebtedness. Which makes it income as they can not report income.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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: Capital one dispute case statement This is what was sent to Capital One as or statement : On WednesdayXXXX XXXX, night at approximately XXXX my family flagged down four taxis for a group of 11 at the XXXX XXXX for a trip back to our hotel, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the size of the group, we had to split up and ride in separate cabs. My wife and two child family members were the first to leave and rode with the driver of the disputed taxi. My taxi was the last to leave but first to arrive at the hotel. The driver of the disputed charge was the last to arrive and was approximately 5 minutes later than my ride. My wife felt he was purposely taking a longer route and was starting to worry for the safety of the children and herself. The charge for the first two taxis to arrive were both in the XXXX euro range. The third was XXXX and the driver of the disputed taxi said the fare was XXXX euros ( his meter confirmed the amount stated by him ). My wife asked the driver if he could do tap payments, he asked if she had cash, and she stated that she only had credit at that time. He took the card from her and put it in his reader. No receipt was provided and nothing was signed for acknowledging the amount. The driver left before we got the first notification that a suspicious charge had been processed. We have no contact information for the merchant and are unable to contact them to resolve this charge. We were willing to pay the XXXX euros that the ride should have cost with him taking the longer route and milking the meter, not {$1000.00} that the driver is attempting to charge us. We provided the following information to Capital One to support our statement : Credit card statements from other family members were included as well.These show other taxi rides including one of the other taxis back from the XXXX that night ( {$15.00} ). The most expensive rides were to the XXXX XXXX and from the XXXX airport to the hotel that day ( XXXX kilometers ). We did not use our card for taxis after this incident but you can refer to our statement for evidence of where we were that day, what the rides cost in XXXX during the trip, and how it would be impossible to rack up such a charge with so little time. We called Capital one immediately after the first text came in reporting the suspicious transaction. The fraud department agent informed us that we should report it as fraud and cancel the card. On XX/XX/ we received an email from Capital One informing us that the fraud claim had been denied because we benefited from the transaction. We called Immediately after that email and spoke to a fraud agent that informed us that we should have reported it as a disputed charge since we had knowledge of the transaction. We submitted all available paperwork ( receipts for the XXXX XXXX we visited right before the ride, a map of the route, and statements from other group members to show what the charge should have been. On XX/XX/XXXX we received another email informing us that the disputed charge claim was denied because we did not provide all the requested information ( the letter did not specify what information was missing ). We called Capital One again and were told that since we were unable to provide a receipt from the merchant they would not be able to help us and that we would be responsible for the entire amount. When I asked if they had contacted the merchant, the fraud agent stated " How can we if you didn't provide a receipt. '' We reminded him that the driver took our card from my wife, swiped it, gave it back, and then left without having us sign anything or providing a receipt. The Capital One agent said there was nothing they could do and were closing out the dispute.
Company Response:
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A