Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I looked over my credit report today and seen some discrepancies and there is a charge of {$200.00} for a capitol one that began on XXXX XXXX the account number is XXXX.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account with Capital One Bank. I went into the bank on XX/XX/2023 to withdraw money. The teller at the bank said that because I am transferring money from my XXXX into my personal checking account that they may make me open up a business banking account. My XXXX is for my business which is a sole proprietorship as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She let me withdraw the money and I went on my normal day. This past Friday on XX/XX/2023 I went to withdraw money again and she said that they are not going to let me withdraw money from the checking account. She said they're making me open up a business banking account and move everything over to that. She was on the phone for about 45 minutes waiting for an answer from corporate. While she was doing that I sent her my sole proprietorship documents and waited. After a while I just told her to don't worry about it but I will wait until they open up the business checking account and then withdraw money at that point So I asked her when I could set this up to get a business banking account opened and she said the earliest that they had was on Wednesday at XXXX in the afternoon. So I told her to put me down for that and I would come in to open up a business checking account. That evening I went to go use my card to get gas and food, I found out that they Froze my account. I called corporate to see what was going on and they said because it's against their policies they locked my account down and they said that they would have to review it within 5 to 7 business days. I told him that this was my only checking account my only access the money and then I had to get medication for my XXXX this weekend and I needed some sort of available funds to be able to live off of and they said that they could not do anything for me. I resent them my corporation box and everything they asked for and they just told me that they would take 5 to 7 business days to decide what they wanted to do. As I did more research I came to found out that it's frowned upon but not illegal to deposit a sole proprietorship money into a personal checking account. I went in on Saturday, XX/XX/2023 asking to close my account with them and for them to release my funds to me and they told me that they could not do that.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Under CFPB MY ACCOUNT WITH CAPITAL ONE IS CLOSED AND BY LAW THEY ARE NOT SUPPOSED TO CONTINUE SENDING FRAUDULENT REPORTS TO DAMAGE MY ACCOUNT. IVE CALLED AND CONFIRMED UNDER 15 USC 1681. ACCOUNT WAS CLOSED XX/XX/2022 AND REPORTS ARE STILL BEING REPORTED TO MY CREDIT ACCOUNT.ALSO, REPORTS ARE INACCURATE WITH MY STATEMENTS.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In early XXXX, 2023 I applied for the CapitalOne Quicksilver credit card that offered a {$200.00} cash back after spending {$500.00}. I spent the required amount. I asked when the statement credit would be applied to my account. I was told by the representative that my card did not fall under this promotion, even though this was the promotion I applied for. The representative told me that CapitalOne reserves the right to switch credit card promotions on anyone applying for their card. However, I was NOT told this at the time I made application. She stated I was switched to a finance option card, which I do not need as I do not carry card balances. Furthermore, I would NOT have applied for a card that only offered a finance option as I do NOT want hard inquiries on my credit report. I have a credit report in the XXXXXXXX XXXX and do not make a habit of opening credit and negatively impacting my score. CapitalOne made a hard inquiry, and negatively impacted my score, and switched their card offer on me without my approval. They obviously knew they would have to pay out the {$200.00} to me after I spent the required {$500.00}. I know of others receiving this cash back offer without being hassled. Why was my credit card offer switched!? I am requesting that CapitalOne make good on their offer, for which I made application. They owe me {$200.00}. This is FRAUD on the part of CapitalOne to do bait switch business.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I received an advertisement to lower my monthly payment on my XXXX XXXX that was purchased in XXXXXXXX XXXXf 2022. My rate from XXXX XXXX was a high at 12 %. After filling out the loan request from Capital One Auto Loan department, my rate was going to be 10 % and my monthly payment would go from {$260.00} a month to {$230.00} a month. I was given a choice of payament terms and length. Consisting of 3 different rates and monthly terms. I chose {$230.00} a month to lessen my monthly payment and make my Loan percentage would also be less. I submitted all paperwork. working with a loan specialist. Never heard anything from Capital one for 2 weeks and then it was a recorded message saying. My monthly payment would be {$290.00} a month. I called 17 times trying to correct this obvious error. No one ever returned my call and I only spoke with some out of the country CS support line. When I finally reached someone today on a return CS call, I was told the pauyoff I quoted was {$160.00} more so thats why the monthly difference. ( I called XXXX ). Then I was told you signed a contract so you will have to live with it. Capital One pulled a bait and switch and nevef freturned any of my calls untill after they paid of XXXX XXXX. There is still a question re : The {$280.00} payment I made 7 days ago. Please Help XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I made a payment with my debit card to Capital One for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). Capital One has been calling us looking for their money and when they call, we contact the XXXX bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and XXXX trips into the bank, have been told there is nothing XXXX can do at this time. Capital One has received their monies and nothing they XXXX XXXX that XXXX XXXX. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the Ist payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off ) now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital One Bank wants to hold my funds deposited from an insurance check -- not a personal check -- for 5 business days and will not release them since it is a savings account. They won't even review it until after 24 business hours which is already 72 hours in real time.
Company Response:
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid off my credit card with Capital One, and they froze my account. The company called me a while later and started asking me questions that were irrelevant to my account and seemed fraudulent so I told them that I was not comfortable as I have read about so many scams recently and I wrote them a letter confirming that it was me that paid off my card. That was in XX/XX/2022. After not receiving any response I wrote to them again in XXXX confirming that I had indeed paid off my card, again with no response. Then in XX/XX/2022 they wrote to me saying that they had closed my card. I called them and spoke to a manager, he said that I had not provided paperwork needed. I paid off multiple cards at the same time and no other card asked for any paperwork, and in our communication Capital One never requested any paperwork. I asked him what kind of documentation and he said that he had no idea, he said that as my account was closed he could not see the notes. But when I asked him what paperwork people are usually asked to provide when paying off their credit card he was unable to tell me as he hadn't experienced it before. I asked him what could be done about it and he said absolutely nothing. My credit score dropped almost 75 points after they closed my card, I worked very hard for my excellent credit and this has now put me in the bad credit bracket affecting my interest rates and my ability to borrow money.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A