Date Received: 2023-11-29
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I got an offer for {$350.00} if I opened a 360 checking account & had 2 eligible direct deposits. The offer was shown to me while I was checking my credit card. It was a little pop up that described those terms & then it had a claim now button or accept offer button on it. I clicked on it & signed up. Then, that day, submitted the request to my job to have 45 % of my checks deposited into the account ( about {$800.00} on average ), biweekly. After a few weeks, my partner ( who I told about the offer and had sign up ) received the XXXX, but I had not.. for some reason. So I called and asked why. They told me Id have to call back after a couple of MONTHS because it was an error entering the code on ( my ) part. The phone operator was incredibly rude & short with me. I called back & got told a date that was about 3 weeks sooner, so I was mildly more happy. Still did not understand why I needed to jump through these hoops to get an advertised offer, however. I then called back on the day she told me to, after planning my finances around the situation. While in XXXX, and on our last {$50.00}, I called the day I was directed to & all of a sudden, I had to wait a few more weeks again because they couldnt submit an override yet? When I asked to speak to a supervisor, she also told me that they could not submit an override yet & I expressed interest in closing my account.. seeing as already they had done a few shady things & it didnt seem like a good company to be banking through. Another aspect of the account that was appealing to me was the early bank deposits. I usually get my check on Thursdays, but they said theyd be able to get it about 2 days sooner. Prior to my last call with them, I always got it at around XXXX XXXX XXXX on Tuesday nights. With my first check since the phone call, for some reason the check is not even a pending charge & the other 55 % is pending to be deposited to my other account later today. Which leads me to believe they are now retaliating against me because of the previous phone call. I believe this company is making fraudulent claims and acting in a very dishonest manner. They enticed me into a bank account with them & have yet to fulfill their promise, even after I have called 3 times to get it sorted. I would not have signed up for the account had they not promised those two things & now they have taken them away.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. As a result of this data breach, on XX/XX/2023 Capital One Bank USA had pulled a hard inquiry on my XXXX credit report without my authorization. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this illegal Capital One Bank USA hard inquiry from my XXXX credit report. I have submitted at least 4 disputes with XXXX pertaining to this illegal unauthorized Capital One Bank USA hard inquiry and XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Capital One Bank USA about this hard inquiry so that it can be deleted.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX XXXX I have Capital One 360 checking and savings accounts. My customer number is XXXX. The case reference number is XXXX. I am writing to complain to that Capital One 360 employees are in the process of closing all of my accounts because they are both XXXX AND IGNORANCE Here is what happened : I also have a Capital One credit card, and I used some of my credit card to buy things for a person I know named XXXX XXXX who lives in New Jersey. XXXX XXXX uses XXXX XXXX XXXX and has multiple investments with XXXX XXXX who is also a subdivision of XXXX XXXX XXXXXXXX. If you are an investor, you would know that you have an account manager. XXXX XXXX used some of his money in one of his investment accounts and authorized his account manager who is XXXX XXXX to send me a check to pay me. However, we are almost at the end of the year 2023, and with the latest technology these days now, bank users can also issue an email check through XXXX XXXX XXXX and send an email-check out, the recipient then can print a check and deposit it like a printed check. XXXX XXXX sent me a email-check on XX/XX/2023. I successfully deposited it the next day, but Capital One 360 pended the check until Thursday, XX/XX/2023. On Tuesday, XX/XX/2023, XXXX XXXX realized that there was a mistake that the check came from the wrong account so he requested a charge back on the check immediately and that caused the check to reverse and bounced. XXXX XXXX immediately left me a message about this but I did not check and received his message until later at night. On Tuesday, XX/XX/2023, I received an email saying that there was an unsual activity on my account and all of my accounts are restricted. I immediately called Capital One 360 and talked to a manager but he is both XXXX AND IGNORANCE. I told him the truth that my person who I knew for years sent me a check, but he authorized his account manager at XXXX XXXX to send a check on his behalf through one of his investment accounts at XXXX XXXX. XXXX XXXX is also XXXX XXXX XXXXXXXX. However, the account manager XXXX XXXX uses XXXX XXXX XXXX to send me an email-check instead of paper check for faster service so I do not have to wait to get it in the mail. CapitalOne 360 employee did not believe me and told me that all email checks are scammed and that I created a high risk and Capital One 360 will close all of my accounts. I did not get the message of XXXX XXXX until late at night so I did not tell thar employee that XXXX XXXX did leave me a message that he requested to charge back the check. I would like to tell Capital One that this is almost the end of 2023. Capital One employees need to get updated. With the new technology, email-checks work just like paper checks because the mailer do not have to print the check out, waste money to mail it and the recipient ( in this case is me ) do not have to wait for it in the mail because it is a waste of time and deposit it. Also, XXXX XXXX realized that the check came from the wrong account so he immediately requested to charge back the check. I did not create a high risk with Capital One. It is totally not fair for me that Capital One 360 closes all of my accounts because your employees are not updated with the latest technology of banking.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I used my Capital One Pottery Barn card for a {$4500.00} furniture purchase and availed myself of the card 's 12 month interest free payment option. If the amount is paid off in 12 months, no interest or fees are charged, or so I was lead to believe. What they don't say is if you make any other purchases with the card during this period they will incur a 1 % fee on each purchase. Even if you pay the balance due each month. There is no way to avoid this fee, making the 12 month interest free option essentially worthless in my estimation. I feel this is deceptive even if it is disclosed in there multi-page terms of service that no one is expected to read when agreeing to apply for the card. This fee should at least be disclosed on every purchase if the 12 month interest free option is taken so that the customer has to option to use another credit card or pay cash to avoid the fee. That's what I'm doing. I won't use the card again until the {$4500.00} purchase is paid off in 12 months. They do not disclose this in the monthly statement and it took me 30 minutes on the phone with them for them to explain how their " minimum interest free payment '' was calculated, which was obviously not interest free.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was working on my credit and I was thankful and excited to see my score going up. I had planned on getting one card and possibly a small loan and would work on my credit for a year or two. While at my parents home, I mentioned to my family that my score was going up just as any child would tell their parents to make them proud. I didnt realize it at the time but my brother in law had several of his friends and family over that day but I didnt think I was loud enough for someone to hear that I was being sent credit card offers from capital one, XXXX XXXX, XXXX XXXX XXXX and more. I thought I could trust eveyone in the room but there were a few I didnt know. Now I do not know if this is how the fraud started but I do remember talking about Capital one and a couple of other banks sending me card offers because I was excited to see my credit growing after 10 years!! A whole year went by and I didnt know what was going on at all. In XX/XX/2022, I found out that a Capital One credit card for the amount of {$300.00} had been opened in XXXX of XXXX, a limit of {$600.00} with XXXX XXXX through XXXX XXXX and several credit inquiries preformed on my credit report. The XXXX XXXX account was opened near the same time as capital one. I immediately emailed and told capital one and XXXX XXXX that I was a victim of fraud. Capital XXXX stated they would send me documentation of any charges and dates but I had to go get information myself. I didn't write the companies but I did call and did everything I knew to do but maybe I did something wrong. I say that because now I have charge offs on my credit report for capital XXXX and XXXX XXXX. The credit collection agencies are XXXX bank for XXXX XXXX for {$410.00} ( a settlement ) and XXXX XXXX Incorporated for Capital One for {$470.00} ( settlement ). What do I do now???? I need to get my credit report updated and be able to apply for a credit card that I am being sent preapprovals for as well as a personal loan but this sure has messed things up for me and my credit score is low when I need to be able to make payments on items by getting approved for a card and/or a loan so that I can. Afford the items I need. Please let me know what to do. Thanks! XXXX XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX, XXXX I received a letter in the mail from Capital One and the contents of the letter were a quicksilver credit card with my name and address. I prior to receiving the letter I did not seek any information about Capital One or in regards to opening account with them. I tried to see if I was able to log into the account to see if I could find out any information about the account ; I tried to long in by forgetting user name and it sent me to the option of sending a code to a email or number and the email and ending of the numbers did not match my current phone number. I called Capital One and explained the information as stated above in regards to not opening the account or credit card, and the stated they will begin an investigation. They as well recommend to make a report with the Consumer Financial Protection Bureau, and a police report to help my case.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the Capital One Venture card because of it's benefits to use miles/reward points with partner travel airlines XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. ). When I try to use the " convert rewards to partner airlines '' feature, I am put into a XXXX loop that never works. When I click " Convert Rewards '' I am sent to a XXXX page that asks for my phone number. I then input my phone number. The system then tells me the number I have entered does not exist on my account. Even though the phone number clearly does exist on my account because I have XXXX enabled on login, that works just fine. When I try again, the system pops up an error that says call customer service and they will be able to fix my issue. When I call customer service ( I have called 3 times now ), nobody is able to fix my problem and I am told it is a " known issue ''. When I call customer service I am told they can't do anything to help me, don't offer a timeline for the fix, nor provide compensation for my flights increasing in cost while their software is broken. I believe Capital One is intentionally creating a " bug '' for users when trying to convert miles to partner airlines. All other travel reward functionality works just fine. XXXX works just fine on my login and other parts of the app. Capital One tells me to use their travel portal instead. Booking through their travel portal my flight is XXXX miles. Booking through the partner airline is XXXX miles. It would make a lot of sense that Capital One intentionally restricts this functionality as users get a much higher $ /Mile ratio sending miles to partner airlines versus spending miles on Capital One 's XXXX XXXX.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This debt collector engaged in abuse deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we did not agree upon and I didnt sign agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper five steps validation procedure which makes this unfair practices. According to the FDCPA. Im entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A