Date Received: 2023-06-10
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: Transaction Date : XX/XX/2022 Disputed amount : {$300.00} ( charged on my Capital One " Savor One '' card ) Capital One Dispute # : XXXX I rented a car from XXXX rental car in XXXX XXXX NV on XX/XX/XXXX ( XXXX Rental Agreement # : XXXX ) and returned it on XX/XX/2022. Upon picking up the car and going to the counter, the associate at the desk told us that we were required to add a collision damage waiver to the rental since it is " Nevada law. '' We found out after the fact that this was a lie told to us to add this charge onto the rental when I already have car insurance and provided that information. Upon returning the car in perfect condition, someone from XXXX approached us with an iPad and told us to sign to return the car. I found a charge on my Capital One account for {$300.00} after the fact and was not told I was going to be charged this amount in the first place. I was never sent any sort of invoice, receipt or bill for what these charges were for and XXXX clear and utter deception on their part for both pickup and drop-off constitutes a refund on this charge. What I did to resolve the conflict : I called XXXX to determine what the charges were and to dispute them, however the customer service representative told me that there was nothing they could do since I had already signed it. I signed on the iPad not knowing that this meant I was consenting to charges I never consented to. After contacting XXXX, they had said that we left the car in the same condition as we left with it ( email correspondence is attached ). I kept asking for a copy of my receipt for the ~ {$300.00} charges, but they did not send one in this correspondence. After some back and forth, XXXX eventually stopped corresponding with us. I filed a XXXX complaint to XXXX and was finally able to receive a receipt for the charge, but the number on the receipt does not even line up with the charge on my account, and with no explanation. XXXX has refused to issue a refund. XXXX Case # : XXXX XXXX ID or XXXX # : XXXX With XXXX refusing to help, I additionally attempted to dispute this charge with Capitol One. They asked me to provide more information, including various documentation and our interactions with XXXX thus far. My case was closed due to vague information provided by XXXX to Capital One. I've since had our case re-opened three times, sending over the same documentation when Capitol One requested it, but each time, they've done the same thing : closed the case without any further options. This has taken up enormous amounts of my time and it's been extremely disappointing that Capitol One would simply not do what's right and remove this charge from my account. Capital One should be protecting their cardholders from malicious and deceptive business tactics, and in this case they have not done so. Attached Documents : -Email correspondence with XXXX XXXX at request from Capital One after initial phone conversations with XXXX did not help ) -Documents received from Capital One regarding dispute XXXX Receipt for the charge with is incongruous to the charge on my card. No explanation of any of these charges has been provided.
Company Response:
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital one closed my account after i lost my credit cards in XX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. Reporting late on XXXX XX/XX/2022 to XX/XX/XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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 TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions. 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with Capital One and XXXX XXXX XXXX XXXX. The account numbers in question are as follows : Capital One - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting. According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results. Furthermore, I request that you provide proof of ownership for both the Capital One and XXXX XXXX XXXX XXXX accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. Thank you for your immediate attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have 2 cards with the same cycle, due on the same date, yet they have different processing when it comes to payments. In the past if I was a day late on paying the minimum, I could pay it and it would not count against me. My payment for both cards is due on the XXXX of the month. I logged in XXXX to pay both minimums. I added a new account to pay, the system verified the account and added the account as a payee, which it would not do if the account was not accurate. I was able to pay the minimum on the smaller balance, however when I tried to pay the one w the larger balance it wouldn't let me. I called, and the rep said I couldn't pay it bc it was a day late. I explained I had paid a day late plenty of times, besides the system allowed me to pay the other account, which had the same due date. She could not explain why and said I would be charged a late fee on one account and not the other, although they have the same cycle and due date and even though this was not the case from the past. Then I got a message the other payment didn't go through bc there was an error with the account that has already been verified and added as a payee. I called, the rep put the same exact numbers in to remake the payment and of course, I was charged a fee on that account as well. I was charged {$75.00} extra on the larger balance and {$6.00} extra on the smaller balance, which to me were predatory fees being there clearly is no standard practice. Now, early this morning, XXXX I made a payment to both cards using an old account that I've used many times. Of course, the smaller balance went through and shows a pending payment. But the larger balanced account is still saying I'm behind, which is inaccurate, because I have a receipt in my email showing I made both payments a minute apart from the same account, both in the early morning of the due date, XXXX. Further more, just like last month, the cycle ended only on the larger balance and shows I have to wait until the next cycle to make a payment, that already made on time this morning. The system is not functioning properly and of course, Capital One is making money from the " errors ''. The screenshots uploaded are from XXXX on today, XXXX. I made both the payments this morning around XXXX, which is also in the screenshots. What kind of system records certain payments but not others?
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received this message from this bank that I didn't even apply.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Getting a line of credit
Subissue:
Consumer Complaint: A person by the name of " XXXX XXXX '', who represented himself as an employee of Captial One Bank, offered me a loan. Upon accepting the loan, I learned that through " their banks verification '', this " XXXX XXXX '' person took approx. {$2100.00} from my XXXX XXXX account.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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: On XX/XX/XXXX I booked a stay for XXXX for XXXX XXXXXXXX through a 3rd party XXXX. Per policy, any changes of reservations is to be done through 3rd party. I needed to change the dates of stay to XX/XX/XXXX. I was in the timeframe of penalty. I reached out to XXXX to see if there was a chance to make the changes without charge. XXXX reached out to the hotel. I was told they were going to allow me to change the dates without a penalty. I specifically told XXXX I would only change the date as long as I would not be charged. They gave me confirmation that they will allow this without a charge. I completed my stay on XXXX and paid {$980.00}. Upon checking my bank statements I noticed a charge on XX/XX/XXXX for {$480.00}. I contacted the hotel who stated I was charged for a no show. They stated that I never cancelled my reservation therefore I was charged for a no show. I explained to them that I did cancel. They declined to hear any further and told me to speak with the 3rd party. I spoke with the third party, XXXX multiple times. Via the online chat services and on the telephone. I have been told that the XXXX staff spoke with a XXXX at the XXXX XXXX and gave the okay to cancel. However, XXXX confirms there is an employee with this name but they deny notes being made. They refuse to refund me the charge. XXXX is not charging me and has issued a refund however the charge is from XXXX. I have filed a dispute and have been denied. I have spoken with several team members at capital one who all deny my dispute. I am stuck in the middle of two companies who refuse to admit their wrong doings. I cancelled and was given the okay to cancel without charge. I was charged incorrectly. They are charging me for a no show but I did cancel appropriately. Capital one is requesting a document directly from XXXX but this not realistic or possible when booking through a 3rd party.
Company Response:
State: CA
Zip: 92251
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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: I bought a reservation for a camping pass in XX/XX/2023 with my Capital One Card. The Camping was for XX/XX/2023. The seller has a strict no refund, no cancellation, no date changes policy to the booking for the consumer. 2 weeks before the reservation, the vendor sent me an email that they were overbooked for that date, so made me pick a new date the following year. Capital One sent me a decline letter because its been more then 60 days since the charge. But according to XXXX 's own policy, I should have up to 60 days from data that services were supposed to be rendered. In addition, the bank is saying that seller has a no refunds policy so declining my dispute. But the seller broke their own terms and conditions of " No changes '', and in fact, the seller sold me services they didnt have ( overbooking ). Please help with this fiasco. The seller made the error by overbooking not me!
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One closed my secured card. This is their legal right to do so I am not upset about that. In reviewing my credit report recently, I noticed a record of three consecutive late payments on my account for the months of XXXX, XXXX, and XX/XX/2019. However, when I called them after they closed it, they said no payment was due because the security deposit would cover the balance. Three months later I got a notification saying I was late. I called them again to speak about this they said it was accurate. I pointed out my previous phone call. I immediately made the payment.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A