Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: inquiry on my credit beaures XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good morning, I have a complaint against Capital One credit card department. In XX/XX/2023 I was issued a business credit card by Capital One, but I was never given online access to my account to be able to see my balance, purchases, add an accountantetc. I have contacted their customer service department over 7+ times, went through the same steps to fix this technical issue online then told to wait for 5-7 business days for them to resolve this issue but in the end, nothing happens, and I must call again, thus wasting countless hours with them on the phone to no avail. As a result of this, I will probably end up losing the introductory offer on my credit card for not using it. This is a decision I made because Im unable to view my transactions if I used the card or know my balance. I was never given a case number, and no one from capital one ever bothered to follow up on this issue. Ive been a customer with them for a few years now and Im appalled by the degree of negligence they have shown towards me. All Im asking for is online access to my account to be able to run my business
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of
Company Response:
State: TX
Zip: 76903
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Both my checking and my savings accounts have been restricted with no access to the funds for a week. I called to resolve and was met with " we are still investigating '' with no timeline for resolution and a statement that we can have the investigator reach out to you within 3-5 business days. At this point I have bills that are not being paid and additional charges that I am incurring with no remediation in sight from Capital One. I understand fraud risk and after my identify was sufficiently authenticated there was still no attempt to ameliorate the situation, no provisional credit, no transitioning to another account that didn't have fraud associated with it to mitigate the risk of loss, just a blanket statement that they can not do anything until the investigation is complete.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX XXXX, sent a {$1100.00} XXXX payment to XXXX XXXX on XX/XX/XXXX around XXXX XXXX and it was never successfully delivered. My bank is Capital One in her bank is XXXX XXXX XXXX. She never received a notification or any confirmation from me or XXXX. Her this amount Ive reached out to capital one immediately the entire week of XX/XX/XXXX. Capital one was telling me to wait until the funds went through. Ive waited and waited, but it never successfully got delivered. She to call XXXX XXXX XXXXXXXX, but nothing was transferred.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Capital One Auto Finance Account Number XXXX XXXX XXXX XXXX Please Delete from my credit profile as I did not RECEIVE any of this. Please Provide IN WRITING showing I did.DELETE THIS ACCOUNT.You have15 days to comply XXXX 1016.9 Delivering privacy and opt out notices. XXXX THIS VERSION IS THE CURRENT REGULATION XXXX XXXX ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. XXXX XXXX a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 1016.4 of this part, unless : XXXX XXXX ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; XXXX XXXX ( 2 ) You have provided to the consumer a new opt out notice ; XXXX XXXX ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and XXXX XXXX ( 4 ) The consumer does not opt out. XXXX XXXX ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. XXXX XXXX XXXX a ) General rule. The initial, annual, and revised privacy notices that you provide under 1016.4, 1016.5, and 1016.8 of this part must include each of the following items of information, in addition to any other information you wish to provide, that applies to you and to the consumers to whom you send your privacy notice : XXXX XXXX ( 1 ) The categories of nonpublic personal information that you collect ; XXXX XXXX ( 2 ) The categories of nonpublic personal information that you disclose ; XXXX XXXX ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 1016.14 and 1016.15 of this part ; XXXX XXXX ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 1016.14 and 1016.15 ; XXXX XXXX ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 1016.13 ( and no other exception in 1016.14 or 1016.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; XXXX XXXX ( 6 ) An explanation of the consumer 's right under 1016.10 ( a ) of this part to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; XXXX XXXX ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; XXXX XXXX ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information ; and XXXX XXXX ( 9 ) Any disclosure that you make under paragraph ( b ) of this section XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/23 XXXX PT - Received credit report alert from XXXX and XXXX that Capital One ran a credit check on me XX/XX/23 XXXX PT - Called Capital One to investigate and they confirmed a credit card application was received that morning ( XX/XX/23 ). They cancelled the application immediately. After submitting this complaint, I will be reaching out to XXXX, XXXX and XXXX to apply for an extended fraud alert, as well as filing a police report.
Company Response:
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Unidentified person applied for credit using my personal information with capital one. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$2800.00} on XX/XX/XXXX in my Capitol One checking account which promised funds would be available within one business day, or XX/XX/XXXX. Instead the bank put a hold on the funds until XX/XX/XXXX. Capitol One prides itself on being a digitized bank, which means in practices that humans at the bank have no authority over the algorithms. After 5.5 hours on the phone on XX/XX/XXXX, I found a human who grumpily said she would lift the hold after I threatened to contact you. But in fact the funds are still blocked. I can not send funds through XXXX and the XXXX XXXX says I am disqualified with no recourse. They will not even let me send a cashiers check. Twice before, the algorithms of big companies have tagged me as a criminal because i changed my name in XXXX, as part of a XXXX XXXX. In the case of XXXX XXXX, it took XXXX XXXX 's intervention to stop them dragging out a credit application for 6 months and to abjectly apologize. With XXXX, the XXXX MA XXXX XXXX XXXX arranged a {$5000.00} settlement for XXXX XXXX in hiring. XXXX discrimination is still that even when you hide behind algorithms which equate XXXX people with criminals. I am not trying to rob anyone, least of all myself. I just want my money. If you can find someone at Capitol One who can override their algorithms, please do. I can not. I intend to bring this also to the Massachusetts XXXX XXXX XXXX and XXXX XXXX. I am probably not the only person being picked on this way. I am XXXX and living in XXXX XXXX if that makes me more sympathetic.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In a letter dated XX/XX/XXXX, CapitalOne stated they would reduce my payment for 6 months starting XX/XX/XXXX ; though they never followed through. I continued to tell the representatives that the payment was supposed to be reduced and I was told that that arrangement was denied and the full regular payment amount was due. I've been making the full payment since XX/XX/XXXX, except for one missed payment in XX/XX/XXXX. Now CapitalOne is threatening to repossess the car because they state I am behind 3 months at the full payment. I made a full payment in XX/XX/XXXX, and they are demanding another full payment today XX/XX/XXXX in order to make a separate payment arrangement to avoid repossession. CapitalOne did not honor the agreement they made in their formal letter to reduce payment and continued to demand the full payment amount and continued to call and threaten repossession.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A