Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check I received from my schools ( XXXX University ) bursars office. The did the deposit via mobile deposit on XX/XX/XXXX. I did not receive notification that there was an issue with the check until I went to open my app and my account was locked. I called the bank twice. I was informed that the check needed to be verified, and the check was reversed by the originator because it was beyond the 90 days. The check was dated XX/XX/2023. I made the deposit on XX/XX/2023, well within 90 days. The bank informed me that my account would remain frozen until they can verify the information of the check and did not provide a timeline but the second agent said I could try to call tomorrow. However, today is XX/XX/XXXX, over a week since the deposit. I informed them that I need access to my account as I dont have any other funds and it is where I get my direct deposit but they refused to release the account. Not only is the check legitimate, they never notified me of a potential problem, where if they had I could have called the school to get support and avoid having this dilemma. I feel that I was discriminated against because of my last name and age. Why else would they decide to take such aggressive steps. This is against fair banking laws. And while I understand the need to protect against fraud this was an abnegation of the banks responsibility to notify its customer of a problem and do proper and timely due diligence as to not cause unnecessary harm to its customer. It is likely that this policy is not being applied equally across customer demographics.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently got married and attempted to add my wife to existing bank accounts or open new joint ones with her. I also moved some money between accounts I own. This was on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a couple of other dates I can't recall. Every time I try to move money into a new account or open a joint account, they freeze all of my accounts and all of my wife 's accounts. We have to call every time and go through a verification process for them to allow us to access our money. One time they made me spend an hour on the phone, verify an unrelated account with a different joint account holder, and change my password. I've asked if there's a way to avoid this happening in the future. They said there is not due to my " profile being flagged '', but could not elaborate as to why it's flagged. They said there is no manager or similar who I could speak to in order to have this resolved, and that this is simply the process I need to go through in order to make changes to my accounts. In-person branches stated they can not open accounts or add joint account holders, it can only be done online.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Data breach of savings account on XX/XX/2022 and thereafter. Wide access to my personal information. Fraudulent Customer Service XXXX number setup by people involved in the scheme. Informed Capital One, but no action taken. Appears to be ongoing data breach to the present time.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Capital one Quicksilver. Charges were added to a brand new card. I called told them I did not purchase game at. XXXX. XXXX. They cancelled card issued new one. The new one came and I saw statement and charges were never credited back. The new card was already charged again with same fraud site again. I honestly think its capital one. Way of fraudulently not fixing problem. Hurting consumer credit when I tried to cancel entire card. Never helpful. Dont see them adding payments I have sent them. There is something very wrong with this card and no help from customer service. They just want to lock card and continue adding member fees. Please investigate. No one should have to deal with fraud in this manner. Hurts credit XXXX score mess now. Horrible ordeal!
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX, XXXX made a purchase at Pottery Barn for {$1400.00} under a " 12 month interest free plan '' through my Pottery Barn Capital One Credit card with a promotional expiration date : XX/XX/XXXX XXXX, XXXX, XXXX made payments ( {$120.00} each ) to Pottery Barn Capital One Credit Card XX/XX/XXXX, XXXX a freud charge of {$2100.00} was made on my card. I immediately reported the charge to Capital One and Pottery Barn as it was for Pottery barn merchandise. XX/XX/XXXX, XXXX received a letter from Capital One indicating investigation was complete. They credited me for the amount that was charged in freud. XX/XX/XXXX, XXXX noticed on my newest Capital One Statement that I was charged interest ( {$22.00} ) on my promotional balance. Also noticed on this statement I was no longer under the Promotional Credit Plan. XX/XX/XXXX, XXXX Called Capital One, XXXX to report that I should still have the remaining balance under the promotional plan until XX/XX/XXXX. I was told by XXXX that on XX/XX/XXXX the promotional balance ended because Capital One provided me with a credit. I explained the credit was for the freud charges, not the amount I still owed. He said there was nothing he could do and that I would be charged interest on the remaining balance ( {$730.00} ). I asked to speak with a supervisor and spoke with XXXX. He offered to waive the interest for this month but couldn't explain why I was no longer on the promotional credit plan, as he verified with Pottery Barn the plan should be through XX/XX/XXXX. Once he waives the interest my true balance is {$700.00}, however because XXXX was unable to " reinstate '' the promotional plan, I will continue to be charged interest, or call back to Capital One every month to argue with them ( because it was an hour long argument to get this month 's interest waived ) to waive the interest that I am contractually obligated to have waived through XX/XX/XXXX.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check was deposited on XX/XX/23. Capital One originally stated the deposit would be available XX/XX/23 due to the amount of {$2500.00}. I got an email stating that was delayed until XX/XX/23 due to the amount of the check and the fact that it was the first one. I called the company on XX/XX/23 and told them I need the check cancelled if the funds wont be available. They refused and said theres nothing they can do.
Company Response:
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Inaccuracies in Consumer Report Dear Capital One Auto, I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present in my consumer report, specifically related to my dealings with Capital One Auto. Attached to this letter as Exhibit COA-111, you will find the evidence supporting my claims. It has come to my attention that the consumer report provided by your organization contains information that is not accurate or reflective of my true credit history. These inaccuracies are causing significant challenges for me in securing credit and adversely affecting my financial well-being. In light of this situation, I kindly request that Capital One Auto conducts a thorough investigation into the inaccuracies in my consumer report and takes immediate action to rectify them. It is essential that the information provided to consumer reporting agencies accurately represents my creditworthiness and financial standing. I understand that Capital One Auto has an obligation to ensure the accuracy and reliability of the information it reports to consumer reporting agencies. As such, I expect your organization to promptly correct any inaccurate or misleading information that has been furnished on my behalf. I kindly request that you provide me with a revised and accurate consumer report that reflects the correct and updated information within the shortest possible timeframe. Additionally, I request that Capital One Auto notify all relevant consumer reporting agencies of the corrections made to my consumer report. I trust that Capital One Auto will handle this matter with the utmost urgency and ensure that the inaccuracies in my consumer report are rectified in accordance with the Fair Credit Reporting Act ( FCRA ). Prompt resolution of this issue will not only protect my rights as a consumer but also contribute to the fair assessment of my creditworthiness. Thank you for your attention to this matter. I look forward to receiving a written response within 30 days acknowledging the receipt of this letter and providing a timeline for the resolution of the inaccuracies in my consumer report. Yours sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, XXXX, XXXX : Is reporting Capital One on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting Capital One they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as 5, which alerts lenders of my race based on the first number being a 4 or 5, so I've been told by a Bureau expert. I need these items removed from my report. Thank you
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX called and told them I did not authorize or give them consent too report this on my credit report 15 u.s.c. 1681b
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
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: XX/XX/2023 - Prepaid Booking for XXXX XXXX XXXX - Reference # XXXX - Amount : {$420.00}. XX/XX/2023 - Picked up rental vehicle. XXXX employee falsely told me there were no additional charges and a temporary hold would be placed on my account. In reality they had added many additional charges and had me sign on an electronic device where I could not properly view the revised contract ( which included additional charges I was neither advised of or agreed to ). XX/XX/2023 - XXXX XXXX additional charges my account for {$450.00} USD. Surprised by this I contact the rental company who refuses to refund me. I am told I am responsible for over double what I had originally prepaid for. May 29th/30th 2023 - Dispute Opened with Capital One in regards to Extra charges applied to my account by XXXX XXXX . {$450.00} USD temporarily credited to my account. XX/XX/2023 - XXXX XXXX provides documentation to Capital One, Capital One closes dispute and sides with the merchant adding charge of {$450.00} USD back to my account. XX/XX/2023 - I reach out to Capital One, Re-Explaining how the XXXX XXXX employee had lied to me about there being no additional charges telling me it was merely a temporary hold and that my signature was merely to confirm the temporary hold and to pick up the keys for the car. The Capital One customer service representative, XXXX, provides me an online portal link and requests I write a letter of my statement of events ( copied and pasted below ) in order to " fight for me ''. I shortly after write out my statement of events. XX/XX/2023 ( a few hours later ) - Capital One almost immediately closes my dispute once again siding with the merchant. They completely disregarded my entire statement regarding the XXXX XXXX employee lying to me about the purpose of my signature and the additional charges. I am filing this complaint because Capital One completely disregarded my account of events and sided with the merchant automatically without actually doing their due diligence to investigate the poor business practice of the merchant and falsely led me to believe that submitting my account of events had any effect on the outcome of their decision. Statement submitted to Capital One : To Whom It May Concern : This in response to the documentation submitted by XXXX XXXX on XXXX XX/XX/2023 in regards to a claim/dispute that I had submitted to Capital One in the amount of {$450.00} USD. On XXXX of XX/XX/2023, I prepaid in the amount of {$420.00} USD for a rental vehicle for my recent trip to XXXX under XXXX Booking Reference # XXXX ( See below e-mail screenshot for proof of prepayment ). Upon arrival at XXXX City Airport on XXXX XXXX I went up to the XXXX XXXX Kiosk in order to retrieve my rental vehicle keys and relevant paperwork. The man at the counter took my name and pulled up my reservation. He confirmed my details and verbally advised me that a credit card would be required in order to place a temporary hold on my card in order to get the keys to my vehicle and that the hold would fall off my statement upon return of the vehicle. At no point was I advised that I would be responsible for any additional fees or charges. I was told to sign my name on the small 4 x 3 inch digital pad and handed the keys. At no point was I given the opportunity to review or advised of any potential changes to the prepaid/pre-booked contract. After my trip, on XXXX of XX/XX/2023, I returned the vehicle and keys to the same XXXX XXXX location with a full tank of gas and no issues at inspection/return. Shortly after, the temporary hold fell off my Capital One account and I felt that all had gone smoothly and as planned/advised by the XXXX Employee . However, on the XXXX of XXXX I went onto my Capital One account to find that I had been charged an additional {$450.00} USD by XXXX XXXX. What had originally been prepaid to cost {$420.00} had now become a total of {$870.00} USD. I felt this was unacceptable and obviously done by mistake so I attempted to reach out to XXXX XXXX to resolve the issue. I submitted all the pertinent information via XXXX Online support and was told that someone would reach out to me but nobody from the company ever did. Eventually, I went on to file a dispute/claim through Capital One a few days later. I would have never agreed to pay over double what I had originally prepaid to rent this vehicle. I was advised verbally by the XXXX employee upon pick up of the vehicle that the charge to my card was a temporary hold and I would have never agreed to an additional {$450.00} USD of payment to rent this vehicle, more than double the original amount. I feel that the XXXX XXXX employee at best was incompetent and at worst was predatory and took advantage of someone who was travelling to a foreign country in a different time zone to charge over double what was clearly a prepaid booking. XXXX XXXX showed further disregard for fair business practice by not ever responding to my request for assistance/support regarding this matter, forcing me to dispute via Capital One. I should not have been charged over double the prepaid/preagreed amount. XXXX XXXX should not be charging me over double for additional goods and services not rendered and not advised of.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A