Date Received: 2023-02-26
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX I contacted company to discuss parameters for removing me from loan that I had not consented to. They advised that there were no options available for me at this time and that I would simply have to wait for car owner to make changes independently.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: its paid but its not being removed from credit report
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: While there was an active fraud investigation occurring on my credit card account, Capital One allowed an unauthorized phone payment of $ XXXX to be made from my XXXX checking account. My account was enrolled in auto pay to pay the balance in full on the XXXX of each month. This payment occurred on XXXX and was clearly done to increase the open to buy on the account so the criminals could continue using the card. While the fraudulent transactions were reversed, Capital One had been obstructive in resolving the unauthorized payment. We have followed all their directions. Most recently, who have been run around in circles trying to send a form from XXXX that Cap One requested. Theyve rejected or said the cant find the form several times. I finally found a supervisor whos been somewhat helpful. He says I have to wait till XXXX to follow up with him to see if theyve received the form. When asked about next steps after the form is acknowledged by Cap One he didnt seem to know. Ive requested a refund of the $ XXXX credit balance currently on my account which was created through my own funds. Cap One says they cant do this. Im in despair. $ XXXX is a lot to be out
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a mistake and sent Capital One {$15000.00}. It was intended for Capital XXXX XXXX loan payment. Called Capital One and they said I had to get the money by via my XXXX XXXX. The Capital One would not let the XXXX XXXX pull the money back. Called Capital One again and they said they would send a check in 3 weeks. I would like to have the 8.5 % interest I will have to pay on my mortgage for 5 weeks since Capital One is holding my money. They also said I would not get the full {$1500.00} as they were paying down my credit card. I have never been late and have always paid my credit card on time. I think they are being unreasonable and hurting their customer.
Company Response:
State: WI
Zip: 54913
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I learned that Capital One closed my consumer credit account without written notification. I called Capital One and learned from Customer Service Representative " XXXX '' that my account was closed because of " returned payments ''. Account Supervisor " XXXX '' confirmed that the reason for the closing of my account was due to " returned payments ''. However, my account status is " PAID/NEVER LATE '' with a credit rating of " EXCELLENT '' across all 3 credit reporting agencies per the information furnished/sold/shared to them by Capital One. However, the closing of my account is in violation of Regulation Z of TILA, specifically section 1026.5 ( a ) ( 2 ) ( ii ) ( A ) which states in part that Credit card accounts under an open-end a card issuer must adopt reasonable procedures designed to ensure that ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing or delivery of the periodic statement disclosing the due date for that payment. As such, regardless of a returned payment, my payments were never late. Additionally, Capital One failed to properly disclose the terms of the application and their subsequent conditions because according to Capital One 's own Terms and Conditions, under the heading " RETURNED PAYMENTS '' it fails to disclose that a consumer credit account may be closed, even though the account has never received a late payment, if a returned payment has been been received. Capital One has also violated Title 12 by committing language fraud, among other frauds, through their disclosures which omits the specific language that an account may be closed for returned payments although an account may be in " good/excellent/never late '' status. Capital One 's CEO, CFO and their Trustee have also violated my rights according to 31 CFR 328.5 and 31 CFR 328.6 by not fulfilling their obligation according to the Securities Exchange Act and Trust Indenture Act upon receipt of my endorsed securities. Capital One is also in violation of 15 USC 1666c as they refused to fulfill their obligation of the law when they sent me a statement with a credit balance of {$1.00} or more and failed to apply those credits to my account although I sent them several written directions, according to 15 USC 1666c and the Federal Reserve Act section 16 & section 29. Thus Capital One failed to perform. On or about XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; I sent via certified mail with USPS, billing error disputes according to Capital One 's Terms and Conditions and according to my rights as a consumer in 15 USC 1666. Yet, Capital One 's CEO, CFO, and Legal Department, have not fulfilled their obligations according to the laws detailed in 12 CFR 1026. Capital One has further violated my rights by taking an adverse action against me contrary to TILA and FCRA rules and laws by closing my consumer credit account. Capital One has also violated UDAAP. Capital One is also in violation of the California DCPI, and other California Consumer Protection Rules and Regulations. Capital One has caused me emotional, mental, and financial stress and dealt with my account treacherously and unfairly. Capital One has violated 15 USC 1681-n by willfully and negligently refusing to comply with the laws, rules, and reporting the closing my account to XXXX, XXXX, and XXXX which is in violation of 15 USC 1681 which states in part that furnishers of credit reports are NOT to report the EXPERIENCES or TRANSACTION HISTORY of consumers.
Company Response:
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: XX/XX/ 2022 i found out that Capital One reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 Capital One did a hard inquiry on my credit that I didnt authorize. I have contacted capital one. Told them I am a victim of identity theft and I didnt authorize any credit card application on XX/XX/2023. The lady assured me they shut down the online application but she instructed me to file a report with identitytheft.gov
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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 need the late payment removed from my credit. I was late due to XXXX.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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: I was sold a counterfeit watch via website XXXX. Private seller sold watch thru this website. I have provided proof ( in form of photos, as well as verification from watch manufacturer of this product being counterfeit ) of the fraudulent item to the CC company & XXXX. Now the CC company says documented verification from manufacturer, as well as a submitted report to law enforcement, will NOT remedy this situation. I am victim of crime ( across State lines- watch shipped from PA to FL ), and I have been asked to provide proof, which has been submitted, to no avail. Please help. Thank you. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX Account # ... XXXX Capital one closed my account XX/XX/2022 and has been charging me interest rates and late fees sinced they closed my account. If they going to close my account. Close it. But it is fraud to keep charging me interest rates and late fees.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A