Date Received: 2023-12-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Well, I have called Capital One on SEVERAL OCCAISIONS to dispute these UNAUTHORIZED transactions. I have myself ATTEMPTED to contact those companies and THEY DO NOT EXIST. I started my life working for XXXX XXXX managing his finances and spent 25 years in the FINANCIAL INDUSTRY. I keep METICULOUS NOTES on EVERY TRANSACTION in 4 FOUR different devices via screen shots, & typed notes on my XXXX XXXX. For example, there are SEVERAL coming from a fitness center and they told me they would issue a credit to my account. I had to call AGAIN A FEW MONTHS LATER as I looked and found that my balance was excessively low and I would not be able to pay my monthly rent. So AGAIN I noticed SEVERAL OTHER CHARGES MADE TO MY CHECKING ACCOUNT and this account is NOT SUPPOSED TO HAVE ANY WITHDRAWLS ON IT AS IT IS for me to get a PLACE TO LIVE!!! The balance is never high enough for me to take advantage of the opportunity to PAY THE DEPOSIT BECAUSE AGAIN Capital One is STILL GIVING MY MONEY AWAY WITH OUT MY PERMISSION! I am so tired of them giving all my money away to strangers and I never get the chance to even talk to them about the XXXX dollar charge to my account for a persons cable bill. I obviously DO NOT HAVE A CABLE BOX NOR A TELEVISION TO HAVE A CABLE BILL NOR HAVE I EVER HAD A CABLE BILL NOR EVER WATCHED A TV SHOW IN MY LIFE!!! Every time I call them NOTHING EVER GETS RESOLVED AND AGAIN I WILL NOT HAVE A XXXX AND BE ABLE TO EVEN PURCHASE A CELL PHONE AS THE XXXX XXXX XXXX XXXX I still have does not fully function. I did purchase a {$900.00}. XXXX XXXX from XXXX and is NOT A TOUCH SCREEN and it literally took me XXXX hours to ATTEMPT to create an account with this establishment since the touch screen does not work AT ALL and IT IS NOT EQUIPPED WITH A MICROPHONE SO IT IS COMPLETELY USELESS. Yes I AM using a computer to type this. Okay, Capital one has withdrawn about {$990.00} dollars from my checking account and ACCORDING TO THE LAW THEY MUST NOTIFY ME IF THEY ARE INTENDING TO DO THIS. I have read about the laws and they are in VIOLATION of too many to list here. I have told them that all my PURCHASES are made to my CREDIT CARD AND MY ONE BANK ( NOT CAPITAL ONE ) ACCOUNT IS USED TO PAY THOSE XXXX CARDS ON A MONTHLY BASIS. THEY THINK THAT I WONT LEAVE THEM BUT I AM GOING TO CLOSE ALL MY CREDIT CARDS AND BANK ACCOUNTS WITH THEM on XXXX XXXX. I am tired of them STEALING MY MONEY BEHIND MY BACK AND GETTING AWAY WITH IT!!! Yes I am reporting them to the XXXX XXXX XXXX, the Federal Trade Commission and the Rip Off Reports when I am done with this site.
Company Response:
State: NV
Zip: 89104
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am requesting Capital One to XXXX the account that is in my name as result of Identity Theft.
Company Response:
State: TX
Zip: 77007
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: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capitol One closed my account without warning or notice XX/XX/23. Payments were always on time and I always paid above the minimum payment. When trying to figure out what happened phone reps said I violated terms of service then in written correspondence when trying to get further information they said it was a business decision. This has negatively impacted my credit reporting. They will not change reporting or reopen account but they continue to send me letters and emails promoting I apply for new Capitol one credit cards.
Company Response:
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT XXXX OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, Capital One XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I'm currently going through a financial hardship I have covid and my debts have been handed over to XXXX XXXX XXXX.
Company Response:
State: MO
Zip: 65109
Submitted Via: Web
Date Sent: 2023-12-13
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: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX, I took a backpacking trip to XXXX Along the way, as travelers do, I made purchases with my Capital One Credit Card. On *approximately XXXX I noticed a charge to my credit card of {$5300.00}. I immediately called Capital One to file a dispute. The only merchandise I had purchased to date was a souvenir bracelet with a value of under {$20.00} from a female vendor. Other purchases were for food. Based on the name of the transaction XXXX XXXX XXXX I assumed this was her, and that it was likely that the Chilean peso to USD currency conversion hadnt gone through correctly. I called Capital One, said exactly this, and was told this would be resolved as this is a common error when traveling out of the country. This of course, can be verified with recorded calls. Fast forward some time, and this large sum has been added back to my account. To my surprise, I call Capital One and am told there is insufficient information to process the claim and I am responsible for this charge! I looked through my receipts from vacation and can not find one that matches this amount- in pesos or USD. For accuracy, the charge back to my account was a different amount of {$5300.00}. I started doing my own deeper dive as I can assure, I have not made this large purchase on a backpacking trip through XXXX XXXX. After finding a business card for the bracelets I did purchase, I was able to find the merchant on XXXX XXXX. I immediately connect with her and she graciously looks through her transactions for a charge matching mine. No luck. At this time, I compare her merchant name to my credit card statement, and discover that my initial assumption that she was XXXX XXXX XXXX was incorrect. I was incorrect to file dispute vs fraud initially. My transaction with her was about three transactions after the $ XXXX charge for {$17.00} under XXXX XXXX XXXX XXXX A reputable merchant. As I was incorrect in my initial filing of a dispute vs fraud, I immediately contact Capital One on XX/XX/XXXX to now file fraud. I do not recognize this large charge. Capital One opened and immediately closed my fraud case on XXXX basically stating there isnt sufficient evidence to file fraud. Upon speaking with one of the fraud managers ( on a recorded line ), she attempted to find a contact for XXXX XXXX XXXX with no luck. No phone number, no e-mail address, no physical address, no website, no social media. Nothing. Which is odd for what the manager relayed to me is listed as a home furnishing merchant. I did not purchase home goods on a trip in XXXX I landed in XXXX XXXX XXXX XXXX when this charge happened. Proceeded through the airport, and to my residence. We did not stop for home goods! However, the manager proceeds to tell me I need to file documentation of the transaction. There is no documentation! This was in fact, a fraudulent transaction as far as Im concerned. I cant find info on the merchant, nor can Capital One ( per the manger ). How would one provide documentation to a ghost company? I understand the explanation of my card being present for this transaction and how the chip works. I can not explain how this happened, I just know for certain that I did not make this large purchase. This isn't in alignment with my spending history! The only time my card is ever out of my possession is when, for example, a waitress takes the card to run the charge in a restauratn. I am now left with this charge on my account. Inside or outside the country, I do not make purchases of this size. I have excellent credit and a great payment track record for my Capital One monthly payment. The largest charges I tend to make are for vacations- through reputable companies. I would not make a purchase this large with a back-alley merchant with no actual business, receipts, viable namein a foreign country. I am seeking further assistance with this matter. I believe I was a victim of a RFID theft device, or something. I can not say. I have no additional information on this merchant other than the charge on my account. Again, Capital One can not locate this vendor either ( per the fraud manager ). Not only am I facing a payment to a large purchase I didnt make, I am also going to accumulate interest. I am extremely disheartened that all of my attempts have been left without a resolution. I did my footwork to recall my charges, and verify merchants. Capital One dropped me at welp, the card was present and thats it. Im at a complete loss as to what to do. I do not have this kind of money. Thank you, XXXX XXXX
Company Response:
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I contacted the credit bureau due to a notification from XXXX about anothe acct opened with my information. This acct was open by Capital one and I did not have authorization they provide saying that first the acct ha payments returned I asked what was the balance they said no balance I asked the why would they report it. Rep was rude and kept repeating the acct was closed due to payments returned I told him I never got any information until now and asked to remove the inaccurate information. Rep was rude once again and said he cant do anything about it. The said that they have it investigated
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The Capital One Savor credit card arrived on XXXX XXXXI am a current Cap One Checking n Savings holder with a Platinum Credit Card as well..They allowed me to spend XXXX of the Savor card but restricted it without notice. I have no idea why they would do this with me being a CapOne customer..They Closed my account and left me with an outstanding balance..without my consent..If I'm not mistaken they said they couldn't verify my I.D . or my resident ..this is proof of both
Company Response:
State: AR
Zip: 72903
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Failure to notify me prior to reporting to credit bureau.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A