Date Received: 2023-08-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a co-branded XXXX XXXX issued by Capital One. XXXX uses less than stellar practices when the card is used online for store pickup. When placing your order, they generally get an authorization greater than the amount of purchase when you by weighted goods. I have no problem with that. My problem is that they d not submit the charge under the same authorization number. Instead, upon pickup, they send a second charge for the final amount through. The original authorization often does not fall off for 10 days although the final charge haas cleared the account causing declined transactions. This is not a one off but a standard practice according customer service. A charger should be presented on the same authorization thereby zeroing it out. The limit on the card is so low, that I have had my card declined in store a week later due to.n authorization that should have been zeroed out by the purchase however, they let the authorization ride for the 10 days it takes to fill off by the issuers rules. XXXX should not have twice as much of your credit line utilized as your purchase I believe that this practice is also illegal. Just this week, I had a XXXX subscription declined with another company because their initial authorization on a cleared transaction not only maxed out my bailable credit but appeared to show show my card over limit. The actual transaction cleared nearly a week before my card was declined, XXXX encourages customers to use curbside pickup as this gives 5 % cash back where in store shopping only gives 1 %. This deceptive and borderline illegal practice must stop. I was offered XXXX for my inconvenience. This does not repair the relationship with the other merchant whose transaction was declined due to XXXX over authorization. On more than one occasion I have not been able to use my card for basically the only reason I got it - grocery shopping. Further, the issuer should know better than to allow this practice to continue.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to required maintenance on car, I requested an extension on my car loan. It was granted in XX/XX/2023. Then I started getting alerts of a 30 day late payment on my car loan with Capital One. I contacted them and they tried to contact the credit department and couldnt reach them. So, they wouldnt provide me a direct number to the credit number and told me dispute the late payment through the credit bureaus.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent certified letters to the company as they violated federal law reporting my payments as late to the credit bureaus. I have never given them permission to release my personal information which again violates federal consumer protection laws. They have reported me as late with payments. I want them deleted off of all the credit bureaus reports.
Company Response:
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have two accounts with Capitol one. They deleted my banking information today, even though my last two payments went through on XX/XX/XXXX. Customer service agent said they updated there information and now only have my old payment accounts available. I asked him when was the notifications sent out about the changes and he wouldn't respond. He put me on hold. When he came back he kept insisting I just simply input my bank routing number. That they didn't have it. I asked him if they didn't have it already then how was my payments getting through. I asked him why are old payment accounts still available if the banking information I had currently used for the last two years was deleted. He had no response. All he kept implying was I need to reenter my banking information. I said I don't like the fact they tampered with my payment account information with out my approval or consent and there isn't a way to take off my old payment accounts. I feel unsettled about the matter and asked if I was allowed to pay with money order and he told me no. I asked him a few times to clarify that I was infact not able to pay with money order. Each time he told me no. I asked him to give me the policy in which they changed and no longer take money orders. He couldn't. I told the Capitol one customer service agent that I am recording the call the same way he is recording the call. He then got shifty with his responses. He told me to access the information online. That they do infact take money orders. I had no notice of change nor was I consenting to this company messing with my bank card information. I want to know why there isn't a way to deleted old bank accounts linked for payments. And I want to know why I was decieved and lied to. I contacted this company around XXXX XXXX on XX/XX/XXXX. After I got off the phone with the agent I googled if the company in fact takes that form of payment and they do. This behavior has me concerned so I locked my cards and am reporting these practices. It seems deceptive to lie about policies, messing with customers payment banking information, and not being able to deleted old banking accounts linked for payment.
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
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 has literally been doing absolutely nothing to help me for eight months to resolve my dispute with this rental car company. The company already admitted to overcharging me by {$400.00} for no reason and then they had an itemized bill that didn't even add up mathematically. Thus, they still billed me for an additional like {$700.00} worth. Thus, even those charges were bogus too and I told them that if someone was not happy with the service, then as a credit card company I have the right to dispute it even all together. I told them that it was clearly fraud if they arbitrarily charged my card for no reason on an amount, and the other charges were fraudulent as well. They have been rude, nasty, and disgusting. They've also denied my claims in my checking account for charges that were made for a service that I did not use, which was XXXX, and I have never had a XXXX account. On another card that I have with them, my XXXX card, the same thing occurred, the merchant XXXX overcharged me and they refused to correct it with the evidence as clear as day. My credit score and report has been deeply impacted, because they keep charging me late fees and interest by this and they literally refuse to do anything at all. I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not fair at all. The last person I spoke with was horrific and said the case is closed and hung up in my face. I have recorded all of the calls that I have had with Capital One concerning these issues. They are lazy, and behaving like a corner store pay-day loan company. I will take them to court. All of their associates and supervisors are uppity, ignorant, and inept. I have received absolutely no help from them at all. I hate this company so much. The last time that I had a problem with a bank and credit card and complained about them vigorously was about 12 years ago. And guess who it was? XXXX XXXX. And guess who had lawsuits from here to XXXX? I received several checks from them, because of their fraudulent behavior in which I sounded the alarm years before they went down. XXXX XXXX XXXX XXXX XXXXXXXX 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 I'm not an XXXX. This is why I have kept meticulous records, voice recordings, and correspondence of their indolent, rash and XXXX behavior. I want them to follow the law and the regulations governing them. Please assist me because I am dealing with XXXX XXXX. Thank you.
Company Response:
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On XX/XX/2023 my account ( XXXX ) with Capital One were closed due to " XXXX ''. For the past XXXX months, XX/XX/2023 XX/XX/2023 and XX/XX/2023 no one in customer service at Capital One has been able to explain to me in details who committed the fraud and what happened exactly. I did not authorize for my account ( XXXX ) to be closed in relation to fraud because I'm unaware of fraudulent activity ; unless it is on their end. While under review please consider XXXX XXXX. XXXX XXXX Capital One sends to my address every month.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX capital one I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with customer service
Subissue:
Consumer Complaint: I, XXXX XXXX mailed my Goodwill Letter to Kohl 's Department Store on XXXX and never received a reply. Then I submitted a complaint through XXXX on XXXX and never received a reply from Kohl 's. My Goodwill Letter request was for Kohl 's to remove the late payment history or at least add my reason as to why I had late payments on my credit report and that not one late payment was intentional. I have attached my son 's admit and discharge date paperwork from XXXX 's XXXX XXXX XXXX, my Goodwill Letter to Kohl 's Department Store, and an image of my XXXX complaint. I am requesting that at least the reason why my payments were late was due to forgetfulness due to my son 's XXXX Infusion and recovery if Kohl 's will not remove my late payments from my credit report. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Home Phone XXXX XXXX
Company Response:
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their recent action of freezing my account without providing any explanation or reason. Despite my numerous attempts to resolve the issue, Capital One has failed to cooperate and instead directed me to call yet another telephone number, further frustrating and inconveniencing me. On XX/XX/2023, Capital One abruptly froze my account, which currently holds a balance of {$9000.00}. To date, no communication or notice has been provided by Capital One regarding the subject matter, leaving me in a state of confusion and financial distress. As a diligent customer, I have always adhered to the terms and conditions imposed by Capital One and have never been involved in any fraudulent or suspicious activities. Immediately after discovering the account freeze, I contacted Capital One 's customer service department on XX/XX/2023 to seek clarification and resolve this matter expeditiously. However, instead of offering assistance or addressing my concerns, the representative I spoke with simply provided me with another telephone number to call. This secondary referral has proven to be time-consuming and unproductive, as I continue to be met with automated responses and lengthy waiting times. I find Capital One 's lack of transparency and refusal to disclose the reason behind freezing my account highly unacceptable. Not only has this action caused significant inconvenience and distress, but it has also hindered my ability to carry out important financial transactions and meet essential obligations. Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Capital One promptly provides an explanation for freezing my account. Additionally, I urge you to facilitate a swift resolution, which entails the unfreezing of my account without any further delays. Furthermore, I ask for Capital One to reassess their customer service protocol in order to prevent similar instances of uncommunicative behavior. I appreciate your attention to this complaint and await your prompt action to rectify this issue. Thank you for your assistance in this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital One Financial is committing securities fraud and will not credit my account. I was sent a payment coupon/security by Capital One, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and Capital One Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. Capital One Financial is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. Capital One Financial remains to report fraudulent information to XXXX and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of Capital One Financial involved in the extension of credit, did Capital One Financial lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did Capital One Financial follow generally accepted accounting principles, GAAP? Yes or No? Capital One Financial is making false statements and damaging my credit worthiness for no reason. I demand Capital One provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A