Date Received: 2023-02-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capital One credit card CFPB original complaint number XXXX In XXXX of this year, I closed the account for my own personal reasons. The account was in good standing at the time it was closed, no late payments or balances. However, upon closing the account, Capitol one placed a remark on the credit report, which states- " Dispute resolved -Consumer disagrees. Account closed by consumer. " There were no disputes, other than a balance inquiry back in XXXX of XXXX, which was resolved instantly, without incident. Other than the CFPB complaint, which I was extremely satisfied of the results, there has been no interaction with Capitol One. Attempts were made by phone, to resolve this matter, went unanswered. There was no dispute resulting in the closure of the account, just my desire not to do business with Capitol One. The remarks appear to be retaliatory, as to the complaint filed, in which Capitol One had to remove negative reporting off of my credit report for 1 late payment during the Covid pandemic, when by Federal statue, they were not supposed to do in the first place. Thus was the ONLY late payment made to Capitol One during that period and up and until I closed the account in XXXX. The remarks were unwarranted and should be removed in its entirety. No remarks are necessary, only that the Customer closed the account.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: XXXX misrepresented a key feature of the car. That feature is now available via a software update ; which they have issued in XXXX, however they told me they have no plans to offer it in the USA. The feature is called battery preconditioning. This feature heats or cools the battery to the perfect temperature, and is necessary to get the fastest charging speed when charging the car. XXXX has a feature in the car called Winter Mode that says it will heat the battery for charging. The problem is that it does not heat it enough to improve charging speeds. It does not work as advertised. There is also very little information from XXXX in the owner 's manual or online as to what Winter Mode actually does. I, along with other owners, understood that Winter Mode was battery preconditioning. It is not. What I do know is that it does not heat it enough. XXXX knows this, made a software fix, and chose to only release it in one area of the world. XXXX advertises being able to charge the vehicle from 10 % to 80 % in 18 minutes. Without preconditioning, this takes over an hour on a cold day and is nowhere close to meeting their advertised claim. I want them to operate a business in good faith, and I want them to back their product. I simply want XXXX to do two things. I want them to release the battery preconditioning software update in the USA. I also want them to push future software updates as they become available ; otherwise they disenfranchise owners of these, and similar vehicles, that depend on updates to maintain proper operation of the vehicle. In addition, I had made a deal with XXXX XXXX XXXX XXXX for a specific purchase price in from of the finance person who completed my paperwork, but even though I instructed her that I didn't want any add on packages she added them all on to my loan and when having me sign she told me that they had been removed. When I got home and looked at my paperwork I was XXXX and I went back the next day and complained to XXXX XXXX the General Manager of XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I went through with the finance manager and corrected the paperwork after having to make a big deal and demanding that it be corrected and reissued with the correct price and loan amount. This was a horrible experience. I also had negotiated getting all the plastic mats added in the purchase price and the. XXXX XXXX and others told me that they would only give me the mats if I left a possible review on their XXXX reviews, which I did to get the mats, but the review was not an accurate reflection of my experience given the finance individual telling me she had removed all the add on packages increasing the purchase price by over {$5000.00}. I felt like I was being blackmailed into writing a review to get mats that were negotiated as part of the purchase deal. He claimed after the fact that they were never part of the deal. They also against XXXX XXXX 's direction via a public memo increased my purchase price before all this by {$10000.00}. I was shocked and appalled and told them that XXXX had said they could not add to the MSRP price and were supposed to sell the XXXX at msrp not add additional profit for themselves to the card. They wouldn't budge on this so I paid over MSRP for the car. I feel like I was misled in at least 3 ways with the price, negotiation, add-on for the loan.
Company Response:
State: DC
Zip: 20007
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. XXXX XXXX XXXX I'm frankly embarrassed that I didn't catch my APY drop from ~1 % APY ( XXXX ) during a low interest rate period, to XXXX APY ( XXXX ) during a high interest rate and inflationary period. I feel this is a bait and switch by Capital One. They don't even offer the savings plan they put me in when they acquired my high yield savings account from ING.
Company Response:
State: OH
Zip: 45385
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Spoke with agent on phone XX/XX/23 because they froze my account due to depositing a check for my minor daughter. They instructed me to go to a local bank branch and bring her birth certificate in herself, and they could unfreeze my accounts. So I have to drive 45 minutes to the nearest open branch with my daughter, her birth certificate, and her social security card and my state issued ID. For them to tell me that I have to get a physical ID card for her from the DMV or her student ID which she doesnt have one and until then I have no access to my money. Any of it to pay bills to eat anything. Now had they told me they needed a picture ID I couldve made arrangements, or at least tried so now Im out gas time and now I have no access to any money which is financially hurting me. Because two forms of ID with my physical ID is good enough for employment and for XXXX XXXX XXXX but theyre gon na hold my money from me until I can either get it issued ID from DMV which could take weeks or I can appeal to her school please make her physical ID because shes not in a grade that gets those, so they have put me in a position to where I have no access to any of my money, for God knows how long and theres nothing they can do I beg to differ.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been getting spammed with debt collector since XXXX. Since Im currently going through financial hardship its been extremely hard and stressful for me to provide just food and rent let alone pay debt. Capital one and XXXX XXXX have been calling all time of day some as early as XXXX in the morning to random time like XXXX. I ended up blocking most of XXXX XXXX number but a few still pop up. Capital one has no restraint and presses with phone calls and emails.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXXXX/XX/2022 at XXXX XXXX XXXX XXXX I placed an order ( Order # XXXX ) using my Kohl 's credit card. Order was was updated and several items removed by Kohl 's. Order was shipped and delivered on XX/XX/2022. After reviewed of received items, I went to Kohl 's store : XXXX XXXX, XXXX, XXXX, GA on XX/XX/2022 to return all received items. XXXX at the store informed me that she could not return the items because my order doesn't appear in her system. She then recommended to call Kohl 's customer service to process my return. On the same date of XX/XX/2022, I call Kohl 's customer service toll free line and spoke to a customer service who stated : " We acknowledged your request to return the order and we will process your refund in the next 3 to 5 business days ; However, you do not have to return the items. Please give them to a charity or donation or you can keep them ''. I insisted to return the items and she said she can't take them. So I was really clear that I am not to be charge for any fees. She said that I am safe to give them away. A couple months later, on XX/XX/2022 I received a letter from Kohl 's asking for me to make payment of {$100.00}. Which seemed strange when I placed an order of a total of {$51.00} then later adjusted by Kohl 's on the basis that some items " Recently Sold Out ''. So my order total become {$45.00}. So I called Kohls customer service and I talked to XXXX ( Employee ID XXXX ) Who stated that no record of my previous discussion were enter for that order and it appears that Kohl 's systems still have me responsible to pay the {$45.00} plus {$100.00} fees. I argued that was not true and they should have record of my previous communication with initial Kohl 's agent. None was found. I then asked to speck to a supervisor : XXXX XXXX XXXX XXXX A reference case was established : XXXX where XXXX fully addressed the mater and stated that my account should be cleared from {$140.00} to {$0.00} balance soon. She also heard the situation and also took notes and assured me to reverse all charges. Now I am really surprised to see Kohl 's completely HURT my credit score to poor due to their lack of professionalism and amateurism. Kohl 's sent false report to Credit bureau accusing me of missing payment when it was never the case.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The car payments were put on deferment because my husband was unable to make full payments but the payments should not have been reported as 30 days passed due five different months. It was during Covid and lots of people were struggling with their finances.
Company Response:
State: TX
Zip: 761XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: So, initially, I sent a certified mail letter to Capital One on XX/XX/XXXX, requesting that they forward me a copy of the 1099-C that they filed when they charged the debt off with the IRS. The amount listed is {$620.00} Capital One received this Certified mail letter, signed, dated, and returned on XX/XX/XXXX. On XX/XX/XXXX, I made my second attempt to fix this issue with the company by sending via Certified Mail, another letter that includes a notice and detailed description of the inaccurate reporting that Capital One is allowing to happen. Under the United States Code, 15 U.S. Code 1681s2 says, Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty - a moral or legal obligation ; a responsibility. Accurate - correct in all details ; exact. Prohibition - a law or regulation forbidding something. As defined by The IRS : Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition, the IRS clearly says a Canceled or Charge Off is income. The reporting of this account as a debt is inaccurate. The above information is only part of the unresolved letter ( second attempt ) that I sent to Capital One. Due to the nature that Capital One has failed to send me a copy of the 1099-C in a timely manner. I had decided to offer them TEN ( 10 ) more DAYS to DELETE the account as well as send the 1099-C that Capital One charged off with the IRS. Those ten days have passed and still, no documentation has been sent to my abode. It us clear that I have been more than willing and generous to try and solve this issue between the company and myself ( the consumer ). I hope that this message receives you well.
Company Response:
State: VA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not open this account. The address that was used was XXXX XXXX XXXX which was my baby mother 's adress at the time. She or family member mostlikely opened account. I'm very upset I've never I'm my life had a credit card would like this removed from my credit.
Company Response:
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have automatic payments set up to pay XXXX to my credit card every month on the XXXX nd of the month, for the month of XXXX it did not automatically draft I called the credit card company and they said that I had canceled the payment, which I never did, I made the payment and the credit card company refunded the XXXX dollars for the payment, the next month I was charged XXXX dollars late payment because I allegedly was XXXX dollars short on my payment even though I had never paid more than a XXXX dollars minimum payment even with the card maxed out. To change someone XXXX dollars for an alleged XXXX dollars is downright criminal I dont think that happens even in XXXX XXXX
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A