Date Received: 2023-07-25
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: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Applied for a Capital One Savor credit card that offered a reward of {$300.00} as well as rewards for purchases beyond that. I have a current rewards balance of {$320.00} that they refuse to pay out because they restricted my card when I suspected and reported a fraudulent charge from XXXX. I still have not even received a refund for the fraudulent XXXX charge of {$340.00} and they won't even acknowledge the letters I have sent contesting this charge for an airline ticket that was not received. Today when I called Capital One 's fraud department to ask why there is still a restriction on my credit card after I paid off all of my 0 % interest debt, they simply said the case went against me! They won't explain how they concluded this. I assure you there is no fraud on my part. You can check my credit report and see that I have always paid all my bills on time and have always paid them in full. Never been late my entire life. This company, Capital One, however, has a history of ripping me off. Back in XXXX, I opened an online Savor 360 Money Market account with over {$50000.00} in the account to get a reward of hundreds of dollars, but they reneged on that too. I let that one go and put my money elsewhere, but I'm not letting them off the hook for this one. They should not only pay me all that they owe me but be fined once again for cheating customers out of their earned rewards. Capital One Savor is the only company I have ever had trouble with. They are the absolute worst, dishonest company and I will never do business with any Capital One company again once this is resolved.
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The capital one charges started from XX/XX/2023, to XX/XX/2023. The total charge is about XXXX. I've let my XXXX son purchase an item on a game or app called XXXX of XXXX. But at the time, I was also dealing with a divorce with my spouse. So I couldn't be bothered by anything else. So I've never paid any attention to the card. It wasn't until I've received a bill of XXXX that I've found out about these charges. But now that I'm reporting these transactions as unapproved transactions, they are stating that it was a valid transaction. And is reinstating the transactions back. All those transactions were made by an XXXX XXXX XXXX boy and not approved by me.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am in a predatory upside down loan with Capital One Auto Financing that violates the NY civil usury law. I purchased a used car on XX/XX/XXXX from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX XXXX also located within the dealership procured the loan for me. She did not fully and transparently explain the terms to me. I paid a {$1000.00} deposit. The terms of the Capital One loan are {$20000.00} ( as they also included a 2 year XXXX agreement for {$2500.00} in the loan ) at an interest rate of 21.15 % for 66 months at a monthly payment of {$490.00} for a total loan of {$32000.00}, {$33000.00} including the {$1000.00} deposit. A few days later when money was withdrawn from my bank account I called my bank to see what it was for and they said your auto loan. I then called Capital One to tell them that I can not afford this loan and to please help me. They flatly refused and told me to call the dealership. I tried calling XXXX XXXX persistently and she kept avoiding my calls. I finally got her on the phone and she also flatly refused to do anything. Second issue with the loan. I never received the XXXX agreement included in the loan. I had my friend on my behalf ( as I XXXX XXXX XXXX for a living and on the XXXX XXXX XXXX XXXX ), email XXXX XXXX on Sunday XX/XX/XXXX. She never heard back from them by Monday afternoon so she called to ask about the XXXX. She spoke with a XXXX XXXX who said that there was nothing in their system under either the application number or the VIN number. She asked are you sure, can you double check? He did and said no, there was nothing in their system. He also stipulated that it would be attached to the VIN # if it was in the system, which it was not. XXXX then emailed XXXX XXXX to tell them that there was no XXXX in their system and that was a problem because it was included in the loan which now made the loan fraudulent. XXXX XXXX has agreed to refund Capital One the {$2500.00}. A more detailed explanation is in the termination letter attached. I ( and XXXX were both on the call which they were aware of ) have spoken with the office of the president at Capital One ( a woman named XXXX who refused to give her last name ) and explained that they violated NY civil usury and that the XXXX include in the loan is fraudulent and therefore the entire loan is void and Capital One once again has refused to do anything. This was their second chance to rectify their unlawful behavior and they doubled down and flatly refused both times. I recorded these phone calls. I am now 2 months behind in my loan payments because I can not afford this predatory loan. XXXX has also sent XXXX XXXX and XXXX XXXX at the dealership an email including a signed letter from me explaining all of the above stating that the loan is null and void because it violates NY civil usury and that the XXXX included in the loan is fraudulent. That I want to return the vehicle and get my {$1000.00} deposit back and also get damages as they knowingly and with intent defrauded me. They have not responded. I just want out of this loan, out of this sales transaction, return the car to the dealership and get my {$1000.00} deposit money refunded from the dealership and the money I have paid to Capital One so far refunded as well as the loan is fraudulent. I can not sell the car as it's owned by Capital One and the loan is worth for more than the value of the vehicle. The above parties all acted knowingly and with intent to defraud me out of {$33000.00} All of the below were involved in this and should be held accountable : Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Salesperson : XXXX XXXX XXXX XXXX XXXX ( located within the dealership ) XXXX XXXX XXXX ( President ) T : XXXX Capitol One Auto Financing Acct # XXXX Tel : XXXX XXXX XXXX XXXX : XXXX
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One Agent advised me that my accounts were closed on XXXX XXXX due to the terms and conditions and nonpayment. Capital One Agent also stated that they could still charge my account for interest fees due to credit card agreement. I requested for a copy of the truth in lending disclose and a the arbitration clause from the Agent of Capital one, Agent of Capital One stated that its no way to send me them upon my request the only thing they could send me was a credit card agreement. Capital One have several accounts in my name and are restricting access to my accounts. Also an auto loan request Not made by me. I will attach the notices from capital one. Capital One have also furnished false and misleading information to the credit reporting agencies. Capital One have charged me security deposit to open an account with them that was later paid to them, because of my lack of awareness at the time. Capital One Agents have caused damages to my mental health, causing stress by not being able to provide for my family, and my credit worthiness by reporting inaccurate information on my consumer report.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/. XXXX I canceled 2 XXXX XXXX orders for {$25.00} each. Totaling {$50.00}. I disputed the transaction and they credit it the money. 3 months later in XX/XX/ they charged me again saying the transaction was valid. I have proof I canceled it.
Company Response:
State: WI
Zip: 53220
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
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: This is a continuation of complaint XXXX. Capital One 's response says I ) did not write them until XX/XX/XXXX. In fact, after calling numerous times since XXXX when the fraud or unauthorized charge occurred, I wrote them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Capital One to say in their letter to you that they only received a response from me on XX/XX/XXXX, is a lie. It is preposterous. I can not believe how they can get away with this - how they do not honor their 0 fraud liability policy. In my case, they have reversed that policy, so they are 0 % responsible. I question why my other Capital One card ( a Spark business card ), which the " merchant '' did use scam, but since it has a lower credit limit than the other one on question, did not produce a satisfactory take for the " merchant '', why did Capital One Spark resolve the fraud and make me 0 % liable??? If you want documentation, I will send it at a later date, but I am very, very frustrated by this situation where people believe a bank that lies through its teeth.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports are still showing inaccuracies. 15 U.S. Code 1681s2 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Requested that replacement Capital One Venture credit card be sent to XXXX. On XX/XX/2023 recieved email from Capitol One stating card had been shipped. Capital One also confirmed by phone that card was shipped using XXXX XXXX. As of XX/XX/2023 card has not been recieved. Despite repeated requests Capital One refuses to provide a tracking number or any information regarding whereabouts of the card.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A