Date Received: 2023-07-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I currently have a Capital One Credit card that I have had since XXXX. When XXXX happened in XXXX, mine and millions of others ' lives came to a sketching halt, resulting in many without a job, including myself. I reached out to capital one multiple times and they refused to work with me in any way, I have since had on time payments and continue to do so. capital one is being predatory to my credit because of a global pandemic that no one could do anything about but wait for it to end. I am requesting the removal of reported late payments from Capital One for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I requested a credit limit increase and was declined because a Capital One stated that they could not retrieve my credit report. That is not true. They just approved me for a card an hour prior.. and a car loan less than 30 days prior. Im on my credit report is not locked. I have checked with all three bureaus. In addition, you guys are the credit furniture.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital one ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Company Response:
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital one quick silver market as spend {$500.00} to recevie {$200.00} bonus ( when I apply ), for the good credit, now become spend {$1000.00} to recieve @ XXXX bonus, I applied the capitalone quick silver, and spend more than {$1000.00} within 3 month, and I did not receive any bonus, I called quick silver, I got an explanation, that this promotion only applies for quick silver with excellent credit, I do have excellent credit from all three credit bureas, from my annual credit report, I have mostly over {$800.00} for past five years, capitalone told me my application automatically become apply for the capitalone quick silver with no openning promotion because I don't have excellent credit, I respond that that's not right, the automatic transfer to another credit card application without informing me is not right, and I do have excellent credit
Company Response:
State: WI
Zip: 53562
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the information that was reported to XXXX by your institution, CAPITAL ONE. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in 15 USC 6801 ( a ). According to the Gramm-Leach-Bliley Act ( GLBA ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for CAPITAL ONE to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have two credit cards with Capital One. I called them to update my autopay to a new XXXX checking account. They changed the Quicksilver but not the XXXX so I received notification that my bill hadnt been paid. They make it impossible for me to access my account. I live in XXXX, I have a XXXX phone number so I can not login or view my account because of MFA. I explained this to them and they wouldnt help. You can only access your account through their app. They do not support a website. I have no idea what charges I am paying or fees. I can not view any of it. I tried to change the phone number on my account to a friends so I could go online and pay my bill. They refused to change it because they said my passport wasnt good enough, I needed a state ID or Drivers license. I tried to explain to them that I live in XXXX and a passport is much more powerful as you need more proof to prove you are the person obtaining a passport, but they didnt care. It should be illegal to only allow access by app. No other company only allows access by app. Everyone has websites. What do people without smartphones do?
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had made multiple requests for verification of this debt and the company have not send me the requested information. Thus is not my acct and I need proof of signed contract and anything that verify the legitimate of this debt. Dispute is still currently in dispute while is to my understanding that the company has up to 45 days to give me the requested information and they are in violation of my rights. Attach proof of my requested.
Company Response:
State: PR
Zip: 00769
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Fraudulent entity applied for a CapitalOne Bank credit card using my name and address.
Company Response:
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2023 I deposited a check for {$6800.00} into my Capital One checking account. The money came from my mother 's account at XXXX XXXX in Texas. My mother died in XX/XX/2023, and I was the beneficiary on her account at XXXX, which is why I got the check. On XX/XX/2023 at XXXX I received a message from Capital One that my check had been received, which said not to destroy my check. It said the money would usually be available the next business day. On XX/XX/2023 at XXXX I received an email from Capital One that the availability of my funds have been delayed until XX/XX/2023 because " there's an increased risk that the deposit XXXX return based on confidential information that indicates the check may not be paid ''. On XX/XX/2023 at XXXX I received another email that said my check deposit was successful and that I could go ahead and destroy my check ( which I did, believing the funds would be available on XX/XX/XXXX as they told me ). On XX/XX/2023 at XXXX I received an email from Capital One saying they had delayed the availability of my {$6800.00} until XX/XX/2023 because " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid ''. By then I had already endorsed the check to Capital One and destroyed the check ( as they told me I could ) so I couldn't try to deposit the funds elsewhere. My family has deposited many checks from my late mother 's bank accounts into various banks, and none of them have had a two month hold. Not only can I not access my money for two months, but it is not earning interest and Capital One ( now in possession of the money ) can do with it as they please. I called their customer protection line twice and they wouldn't do anything to help me, and my father called them multiple times to complain as well. When I called them, they told me they needed to " verify the check with the issuing bank '' ( Prosperity ). The first time, they couldn't get through to them, and the second time they were apparently told by Prosperity that they " don't verify checks ''. Capital One claimed that the check was suspicious because the account holder is dead ( again, we have had no problems depositing my late mother 's checks into other banks- XXXX and XXXX ) then essentially told me there was nothing they could do and then ended my call. I have never heard of a two month hold on a check. The longest hold anyone I know has experienced with large checks ( around two times larger than this ) is around 10 days.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A