Date Received: 2023-02-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 my Capital One card was used at several stores in the XXXX, Louisiana area coming to a total of {$2400.00}. This total includes charges from XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, etc. Capital One instructed me to dispute the transactions as they posted so that total was reported in 4 different claims. One of the claims was originally disputed ( later reversed ) however I was told to wait 10 business days for the decision on the 3 other disputes. After calling Capital One several times within the 10 days, an employee informed me that the rest of the claims were declined. I have proof that I was at work while these transactions were made and did not approve them. Capital One claims that the transactions match a pattern however I have never spent {$1000.00} at one XXXX in separate transactions ( that I contacted XXXX and found out were gift card purchases which is a common scheme in XXXX XXXX ). I am truly appalled that my first and only bank would not even bother investigating transactions that I did not make. Its absurd and needs to be investigated.
Company Response:
State: LA
Zip: 700XX
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 an account
Subissue: Can't close your account
Consumer Complaint: On tuesday XX/XX/XXXX at XXXX I got an email from my bank account capital one stating We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. When I called the number that was provided to me Ive gotten a voicemail informing me to leave my name my account number and they will listen to my voicemail and reach out if necessary within 48 business days so I did that.I then contacted the customer service department right after and they transferred me to the account security department I spoke to them and they informed me that they were ending the banking relationship and that my funds will not be available for withdrawal. I then informed the representative that I have a direct deposit coming from the IRS for my text refund and I wanted to know if that deposit will be rejected or it would be deposited they informed me that deposit will not be rejected. She then stated that I may call back on the XXXX and they will unrestricted count as a one time courtesy for me to withdraw funds because my ATM debit card is still active. I then proceeded to ask how much am I able to withdraw she then told me that she does not know the ATM withdrawal limit so she put me on a brief hold and she then told me that I am able to take up to {$2000.00} out at the ATM On XX/XX/2023 I called the account security department for them to on in restrict the account for me to withdraw funds The representative XXXX proceeded to tell me that I am unable to withdraw funds for up to {$2000.00} because there are pending claims on my account. He didnt put me on a brief hold for about 20 minutes and came back to tell me that I am only allowed to withdraw up to {$270.00} because the Claims I mailed it to {$3300.00}, I told him that I do not owe Capital One money because those claims have not yet been settled. He then told me that he can not unrestricted the account for me to withdraw any of those funds because of the claims on the account now from my understanding unless you owe money to Capital One, they can not restrict you from getting your funds out of the account. Yes, I received temporary credits for the Claims, but the claims are still pending research so I do not. oh, any money to them which they stated they will not close my account they just have my account restricted. I then proceeded to state their policy to XXXX, but he will not listen to me, and will not on restrict my account for me to withdraw funds in their policy. If my account is closed or theyre ending the banking relationship, they have to mail any remaining funds to me as a check or transfer those funds to my external account. If I do not owe any money if I do owe money, they will take the money from those claims that have been settled and then mail me a check of the remaining funds or send it to my external bank account. As of right now I do not owe Capital One any money and they are holding my funds and not closing my account out until the Claims have been resolved none of the Claims have been resolved they are all pending. I then stated to XXXX while Im in distress crying to the representative XXXX that please do not take all of my money. I even stated the policy and I also stated in the email I received when I filed the claim it states If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance. We may contact you if we need additional info and we'll be in touch with the outcome of our investigation. when I read that back to XXXX, he did not acknowledge that he proceeded to then tell me that he is not unrestricting the account for the full amount. I am only allowed to unrestricted for {$270.00} and that is it so he then unrestricted the account I took out XXXX Ive been proceeded to call back to speak with someone different. because the previous representative XXXX upset me to the point where he had me crying over the phone. I even filed a complaint with Capital One about that representative. XXXX Then also unrestricted the account for me to take out {$400.00} which I did and then they put the restriction back on there. I also stated their policy and the email I received when I filed a claim and they still ignored it. I then proceeded to ask for a manager so they put me through to a manager. Her name was XXXX. She then was very biased against me. She also use the racial slur against me and she proceeded to kept telling me that she will not be on restricting the account for me to get my remaining funds out of the account even though she told me that I do not owe Capital One money theyre just claims that are just pending outcome so as of right now I do not owe Capital One money I also stated multiple times that you guys are ending the banking relationship, so you need to close the account. They told me that they will not be closing the account. They were restricting the account for any funds being withdrawn until the claims have been resolved, which in my opinion is it illegal if the account is still open that I have the right to close the account still
Company Response:
State: PA
Zip: 19013
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit card was never mine and I never had a Walmart credit card. I contacted them years ago and thought it was cleared up now XXXX XXXX XXXX has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Company Response:
State: UT
Zip: 843XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/25, I deposited a check {$500.00} via mobile banking on capital one. I contacted capital one on the check was deposited to see if they would be able to release the deposit or part of the deposit earlier than than the next business day hold. Capital one refused to release the funds earlier. I then requested that they void the deposit, so I could take the check else where and get it cashed. The supervisor stated that he was unable to void the mobile deposit. Please note, that we have been waiting on the check for over a week and needed funds to buy groceries for my family and dog food. I only requested {$150.00} to be released. So capital one is holding the check XXXX now until Tuesday in the meantime I have no funds to feed my family. No suggestion to help me resolve the issue. The only thing they could tell me is that I have to wait until Tuesday to get my money. That is unacceptable! They should have been able to stop the deposit if the check had not been process yet. The check on the app states that it is still pending. Future more, the the check will not be processed until Monday. Again no reason the they could not stop the process. Banks should not be allowed to hold your funds XXXX like this especially if the customer calls in a request that the deposit be voided.
Company Response:
State: NJ
Zip: 08012
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: Personal information incorrect
Consumer Complaint: The personal information for my Kohls account is incorrect. I have notified the company on three different occasions that my name is incorrect on my account and card and nothing has been done to correct the error. My name is XXXX XXXX XXXX. But on my Kohls account and card my name is listed as XXXX XXXX XXXX. Please correct this error as soon as possible and notify any consumer reporting agencies of this error. Please see attached all supporting documentation.
Company Response:
State: IA
Zip: 52722
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: 2023-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802. Captial One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 The bank decided to close my accounts due to suspicious activity on my account, i reached out to capital one for support on a matter that a check was deposited and it was fraud i haven't been working or receiving any direct deposits, i asked the bank to intiate a claim and try to resolve this, all this leading to the bank deciding to close the account for this matter of suspicious activity, now the reason for complaint is that my account was closed and not much information was provided, my IRS direct deposit was set to go in on XX/XX/2023, but the account was closed XX/XX/XXXX, so my question is will you return that deposit to the IRS since the account was closed or will i need to intiate a claim with the IRS of not receiving that refund and make a claim to retrieve funds from Capital One. Please respond accordingly and give me answers, i do try to call customer service and it directs me to a voicemail and wont pass me to a representative after i verify my self in the automated system, which doesnt make sense so i need to know if the IRS direct deposit will be rejected and if the account will remain closed.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I do business with XXXX XXXX and CAPITALONE BANK. I am a very loyal and great customer of both for over 10 years. CapitalOne, like the other Banks, continues to charge excessive monthly fees, during and after COVID. Further, they continue to ignore the consumers financial hardship post COVID and show sympathy for the consumers who are still struggling. I am currently on XXXX and recuperating from 2 COVID severe infections. In addition my financial services employer has stopped paying me. I took a hardship withdrawal from my pension to pay credit card debt this week, including my XXXX XXXX credit card. I called Capital One twice this week like I did with my other credit card issuers. I asked them to help me and consider to reimburse me for {$400.00} in late fees / {$40.00} a month for being late / unable to make payments on time due to hospitalizations and financial hardship. I was late for couple of days to few days at the most. Never past weeks or a month. The overseas located service center of CapitalOne asked me when I had COVID last year. I answered with specific dates and explained to them my current severe financial hardship. They routed their call to their supervisor who waived another {$40.00}, total of {$80.00} for this year. I explained to them that The Consumer Financial Protection Bureau prevents banks from charging such high fees, especially during COVID and post COVID pandemic since we have all suffered and continue to. I also stated that you ask that retailers and banks stay sympathetic to the consumers. They were polite. However, they dismissed my request and did not understand my constructive comments about your Agency. I ask please for your help so that CapitalOne considers to reimburse me for another {$280.00} for late fees for last year. I will not go back to the previous years. Here is the list : XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XXXX XXXX XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} Whether they do or dont, could you please work with all of us to put a stop to this fee raping consumers behavior? The Banks from the latest annual filing for XXXX, are up in cash management 110 % to over 200 % in profits due to the high interest rates and the balances / client or consumer deposits. Aside from having booked millions to billions in profits in this area, they continue to layoff thousands and both banks and broker dealers slashing salaries and bringing to zero in some cases any additional variable pay. Please step in to protect us all. This behavior is wrong. We have lost jobs and continue to. Thank you
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Called Capital One on or about XX/XX/2023 to advise that I may be late on my payment because I am getting a fix rate loan to pay off CapOne cc balance ( {$9800.00} ). The representative said thank you for calling and letting us know. Do you know when the payment may arrive? I stated the payment may arrive between now and XX/XX/2023. The payment ( {$9800.00} ) posted to my account on XX/XX/2023. On XX/XX/2023 I called Capital One to request the {$29.00} late fee be waived based on my length of time as a customer and payment history, which I have never been late. I spoke with three representatives ( two inbound call representatives and a Senior Account Supervisor, XXXX ). When I first called and spoke to rep, he stated he could not waive the fee because their system will not allow the waiver. I explained the reason for the late payment and my payment history. He said he could not waive it. I requested a supervisor. He transferred me to XXXX, an account supervisor. XXXX 's line had a lot of static and could not hear him. I disconnected then called back... spoke to representative, XXXX. I explained my reason for the call... she reiterated what the first representative stated. She then passed me on to XXXX, a Senior Account Representative. He stated he could not waive the {$29.00} fee because their system will not allow the waiver. He offered to set up my account on auto pay. I explained I don't want auto pay ... I would like the fee removed so I can pay off the balance ( {$210.00} including the {$29.00} ). XXXX said he could not remove the fee. I said ok and ended the call.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 I received a bill of exchange from Capital one Bank indicating that I allegedly owe a bill in the amount of {$4600.00}. I returned to negotiable instruments back to Capital One Bank endorsed for them to submit it to the bank for payment. If the bank did not accept the negotiable instrument, they in return would send a notice of dishonor, saying why it was dishonored and give me the opportunity to cure. Capital One Bank never attempted to process the instrument, instead without any notice, Capital one proceeded to then closed the account. I have send them several negotiable instruments and requested them to be returned to me if they are not accepted, they never returned any of the instruments. I then send them a billing error dispute in regard to looking into the matter by requesting documents but they failed to send the required documents. 15 USC 1666 ( d ). They then informed me that they will report to the credit agency that the account is in dispute. That never happen, they have been reporting that the account is closed and that payments are late. According to 12 CFR 1026.13 ( d ) Capital One Bank is in violation. According to UCC 3-603, Capital One Bank is in violation and also 15 USC 1666d XXXX I tried reaching out to Capital One with a billing dispute error at which time they responded by taking adverse action and using deceptiveness to handle the situation.
Company Response:
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A