Date Received: 2023-11-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had XXXX cards change their limit on me my spark which is a business card my XXXX and my XXXX XXXX all have went down on their credit limits i feel this is totally unfair to a customer who never been late on payments or whos never missed a payment now if I was irresponsible then yes but my credit score just suffered a lot now because I have high utilization this is hurting my business and personal credit once again I have never missed a payment or beer late and they dont think about the consumer and how this will affect their credit score which is totally unfair I feel if I was irresponsibility then yes but this shouldnt legal and if they did wan na take there credit limit down this was there choice it shouldnt affect consumers credit score because its a loss loss I lost the credit and my score goes extremely down totally unfair we need much better laws as consumers
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had autopay set up on my credit card for years. Recently capital one changed something in their processing and for 3 months my auto payments did not go through. I was never notified and eventually a third party app XXXX XXXX XXXX XXXX made me aware of the missed payment. I immediately called capital one and made sure the autopay was on and the payments would start being processed again after they changed their system. Now my XXXX XXXX has been affected due to capital one changing their system and me not being notified. After years of not missing a payment, this happens and now my XXXX XXXX has dropped over XXXX points. I was never contacted by capital one or given any notification. I don't think my XXXX XXXX should be affected because they changed something in their system that no longer allowed my auto payments to go through. Especially after years of always paying on time and this is the only credit card I had an issue with.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/2023 : Credit inquiry made by XXXX XXXX through XXXX. Not authorized by me.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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: Note : warning all US consumers about Capital One and their lack of customer service through an extremely stressful process : I made one purchase on one date with a restaurant in XXXX ( XXXX XXXX ) for four drinks, signed our credit card and then left for the night to go home. The charge was on XX/XX/XXXX for XXXX {$90.00} USD. When I returned home from our trip I noticed on my Capital One online statement that I had been double charged. When I called capital one the first time, they suggested I go straight to the merchant. I opened up a chat with them online where they confirmed the charge was only made once on their end and suggested I wait a few days to see if the charge was removed. A week later it was not. I then called Capital One and they reversed the charge ( temporarily, as a month later they re-charged me for the duplicate charge ). When I called Capital One about charging me again for the duplicate charge, I spent 45+ minutes on the phone ( the first individual I spoke with wasnt comprehending that there wasnt proof from the merchant for two charges, only proof for one ) and ended up being escalated and thus, having to supply additional documentation to get the credit reversed which Ive included in this complaint of the merchant confirming there was only one charge. However, after supplying proof that the merchant confirmed they had only charged me ONCE, Capital One deemed that inadequate as proof and kept the charge on my card. I have never experienced as poor customer service as I have with Capital One, and this isnt the first time there was something fraudulent that I have had to dispute and its always been much more difficult than it needs to be. I just want to warn others of Capital One and their reluctance to put the customer first. For me, it isnt about the charge anymore as I am fortunate in the sense that I can financially afford to eat this cost and be done with it, however many are not and this would be a large dollar amount coming out of their weekly earnings and make a large impact on their well-being. I will be closing my card after this payment posts and never returning to Capital One, as well as ensuring my husband does the same. XXXX has a much better customer service line and much better rewards- good luck to all who bank and do business with Capital One. I will also add - I have been a customer of Capital One since 2009, and this is not something that comes up often for me. My credit score is excellent ranging at 780-800+ and I have always made payments on time. However, I am an XXXX and watch my statements carefully which maybe Capital One doesnt like.
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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 Subject : Demand for Removal of Fraudulent Account from Credit Report - Threat of Legal Action Dear Sir/Madam, I write to address a pressing matter of grave consequence, one that holds significant legal and financial implications for both XXXX and Capital One. This issue centers on the presence of a fraudulent account on my credit report, an erroneous entry that has the potential to substantially impair my financial well-being and personal security. It is imperative that you take immediate and appropriate steps to address this matter, consistent with the laws governing financial institutions and consumer credit reporting agencies. I have recently become aware of an unauthorized and fraudulent account on my credit report, an account for which I have never given authorization or initiated in any form. This account 's fraudulent nature is unequivocal and in direct violation of federal laws, notably the Identity Theft and Assumption Deterrence Act of 1998. The account in question exhibits the following attributes : - Creditor : [ Capital One ] - Account Number : [ Account Number ] - Account Status : [ Status ] - Date of First Delinquency : [ Date ] - Amount Owed : {$3900.00} - Balance updated : XX/XX/XXXX - Credit limit : {$3000.00} - Account info : XXXX - Open/closed : Closed - Date opened : XX/XX/XXXX - Account type : Credit Card It is crucial to note that the dispute associated with the account commencing with the number XXXX has recently undergone an update. The pertinent details regarding this dispute are as follows : - Source : XXXX - Date Submitted : XX/XX/XXXX - Report Number : XXXX - Account Number : XXXX - Company : CAPITAL ONE - Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX For clarity, I want to emphasize that I have neither made any material misrepresentation regarding this account nor agreed in writing to the supposed erroneous blocking of information linked to it. Moreover, I have not knowingly obtained any goods, services, or monetary assets through transactions related to this account. The bedrock of my demands is rooted in federal financial laws, especially the Identity Theft and Assumption Deterrence Act of 1998, which underscores the seriousness of identity theft and the necessity for the expeditious removal of fraudulent entries from credit reports. Consequently, I hereby demand the following actions, consistent with applicable financial and consumer protection laws : 1. Within a maximum of 30 days from the date of this communication ( today 's date ), I insist on the immediate removal of the inaccurate and fraudulent information associated with the aforementioned account from my credit report. The failure to comply with this demand will compel me to initiate legal action to protect my rights and interests. 2. In addition to the prompt removal of the fraudulent account from my credit report, I request the furnisher to provide all documentation that validates the existence of this fraudulent account. Furthermore, I request access to all correspondence related to this matter, both outgoing and incoming, for my thorough review. These details are indispensable for the lawful and just resolution of this issue. I want to underscore that my primary objective is not to engage in protracted legal proceedings but to secure a fair and legally sound resolution to this matter. I firmly believe that your cooperation is vital for achieving this goal, and I trust that both XXXX and Capital One will accord this matter the urgency and gravity it deserves under the purview of financial laws and regulations. Failure to respond appropriately to this communication or any attempt to circumvent my lawful demands will leave me with no recourse but to initiate a civil suit against both XXXX and Capital One. This is necessary to protect my legal rights and financial stability while upholding the integrity of the credit reporting system in strict adherence to established financial laws. Please provide a written response to this communication at your earliest convenience. I am prepared to engage in further dialogue to resolve this matter amicably and in full compliance with the provisions of financial laws and consumer protection regulations. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have 4 credit cards with capital one, 4!! And I tried to pay them off almost completely on XX/XX/XXXX. The next day 3 of them showed the payment and the new available credit. The card ending with XXXX has not showed the available credit, and they said for some stupid reason they put a 5 day hold on the payment!! It has cleared the bank and in their system it has NO PENDING TRANSACTIONS!! I paid {$800.00}! And they will not give me any available credit!! I do not want this 5 day hold on this card, all the other cards didnt have a hold on them!! I want this credit available NOW.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Capital One Savor Credit Card ( issues a XXXX ) for fair to poor credit consumers. Credit Card limits are {$500.00} and below lines of credit. Credit Card is subjective to XXXX % APR for purchases and cash advance. Although limits are placed on these cards. {$250.00} cash advance limit with cash adv fee -- aren't transparent to consumer ; when Capital One recalculates the interest separate from the rest of card balance. Consumer is liable for monthly interest, cash adv fee, cash adv interest. Whereas, within a ( 30 ) billing cycle consumer is responsible for @ $ XXXX dollars of fees and interest @ XXXX %. Credit cards with low credit lines aren't beneficial to consumers. Credit usage in low credit lines amounts=to high credit usage and reflect on credit bureau as XXXX % to XXXX % credit usage. This alone lowers consumer fico scores. Capital One claims these cards benefit low income consumer to build credit. This simply isn't true.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a XXXX parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to XXXX and Capital One over the past year. I am severely affected by all of this and sometimes feel XXXX and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A