Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX 2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Company Response:
State: AZ
Zip: 85395
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I filed a complaint a month ago ( COMPLAINT ID # XXXX SUBMITTED ON XX/XX/XXXX ) ago regarding an issue I have been trying to resolve since XX/XX/XXXX. It is a very simple and very clear issue that Capital One is refusing to acknowledge their clear negligence in handling appropriately. Now I am receiving almost daily texts, emails and letters trying to collect the fee that is in dispute as well as late fees and interest charges ON TOP OF the fee in dispute. Meanwhile they are reporting me to the credit bureaus as delinquent on paying my account and have reduced my credit score from " Excellent '' to " Fair '' while they claim to be continuing to " review '' this case. This an obvious effort to intimidate and harass me into paying fees I have not incurred. Capital One needs to address this issue. It has been almost 5 months and they have had plenty of time.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: after opening a new checking account on XX/XX/XXXX for the first time with capital one i now find out that the security alerts ( texts/email ) for debit card transactions, withdrawels, deposits, CC transactions, low balance, direcrt deposit, large purchase and other security featues were disabled by Capital One on XX/XX/XXXX and not offered any more. this is absolutely a major violation of their security platform because you have no way of knowing if someone has taken your money or stole your CC and debit card info and is making charges on them. customer service said to logging into your account several times a day to check.???????? The capital one website even states : " Fend off banking fraud before it starts with Real-time alerts Keep tabs on your money with customized Capital One fraud alerts. Set up alerts for certain types of account activity, plus get alerts if we see something that needs a second look. Enhanced transactions : Stay aware when it comes to suspicious transactions. If a purchase doesnt seem right, get more details and dispute the transaction. '' if i can not get this feature setup on my account then i may be closing it but that is a hassel in itself. they already sent me a debit card in the mail. capital one is being very secretive about this and did not advise me about these security features not being available when i was starting my account and allowing me the option of canceling my account during setup process. is this legal???
Company Response:
State: NV
Zip: 89436
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: 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: Capital One Charged me after I closed the account and paid the final bill.
Company Response:
State: CA
Zip: 92649
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: 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: XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Company Response:
State: OH
Zip: 44121
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. On XXXX there was an inquiry reported from CAP ONE NA that wasnt authorized by me. On XXXX there was an inquiry report from XXXX XXXX XXXX that wasnt authorized by me. On XXXX there was another inquiry report pulled from XXXX XXXX XXXX that XXXX authorized by me. On XXXX another inquiry report was pulled by XXXX XXXX XXXX that wasnt authorized by me. On XXXX an inquiry was reported from CAP ONE NA that was not authorized by me. On XXXX there was an inquiry reported from CAP ONE NA that wasnt authorized by me. On XXXX there was an inquiry reported from CAPITAL ONE AUTO FIN that was not authorized by me. Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Company Response:
State: FL
Zip: 33024
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: 2023-02-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is in regards to capitaloneshopping.com, a division of Capital One Financial Corporation. They specialize in affiliate marketing where they provide a " cash back '' in the form of a rebate in exchange for making purchases following a link to the merchant that they provide. It is a special marketing arrangement between Capital One and selected merchants where these merchants pay an affiliate fee ( ie commission ) for access to Capital One 's large consumer base. Capitaloneshopping.com has defrauded me out of over {$12000.00} in earned rebates after using their service to make purchases. They kept the entirety of the merchant commissions while shutting down my account under false pretenses. Specifically, there are two types of issues here. The first is a series of failed rebate redemptions where capitaloneshopping.com refused to pay out ( the estimated amount is about {$2500.00} ). The second issue is the termination of my account after inquiring about this first issue whereby an estimated {$10000.00} in un-redeemed rebates is being held. I initially contacted them regarding the first issue on XX/XX/XXXX. Their response was " Your e-gift card redemption is currently on hold pending confirmation of your Shopping Rewards from the merchant ''. After over a month and a half of back and forth communication in which they failed to provide any meaningful updates, on XX/XX/XXXX, they terminated my account without providing any particular reason. Since then, I have reached out a few more times asking for an update. They have failed to provide any reason once more. I am asking the CFPB to step in here and rectify the situation in which capitaloneshopping.com has fraudulently shut down my account in an attempt to avoid paying out on earned rebates while enriching themselves of the merchant commissions. For precedence regarding a similar situation involving a form of rebate in exchange for service, I refer to XXXX v. XXXX XXXX XXXX XXXX in which the latter was accused of claims for breach of contract, breach of the implied covenant of good faith and fair dealing, and fraudulent inducement.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2023, I am being a late fee even though I made a payment on Capital One 's phone payment system even speaking with someone. I was told that the payment would not post until XX/XX/2023 making it late even though I paid it on XX/XX/2023 when it was not late. I was told payments made after XXXX do not process until the next day.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I lost my wallet on XX/XX/XXXX. I thought I had left it at Capital One bank in XXXX NJ but when I went back it was not there. I believe it was stolen from there so can the FTC please check the cameras there? My Capital one debit card, XXXX Credit Card, anXXXX XXXX credit card was stolen. In my wallet, I keep my PIN numbers and passwords to everything because I have bad memory problems due to my mental health. My PIN numbers and social media accounts has been completely compromised XXXX XXXX XXXX someone used my Capital One Bank Card at multiple locations. I informed the bank about someone stealing from me and they agreed to issue me a new card and investigate this matter. I really need this investigation done thoroughly by the bank, FTC, & CFPB because I lost a lot of money due to these fraud transactions : XX/XX/XXXX : - ATM WITHDRAWAL for {$1000.00} - XXXX XXXX XXXX for {$13.00} - XXXX for {$1000.00} - XXXX for {$1000.00} XX/XX/XXXX : - XXXX for {$31.00} - XXXX XXXX for {$170.00} - XXXX XXXX XXXX XXXX for {$10.00} - XXXX XXXX for {$26.00} XX/XX/XXXX : XXXX XXXX for {$3.00} XXXX XXXX for {$6.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX XXXX for {$210.00} XXXX XXXX XXXXXXXX XXXX for {$190.00} XXXX XXXX for {$20.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX for {$20.00} XX/XX/XXXX : XXXX XXXX for {$16.00} XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXXor {$100.00}
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Capital One 360 Performance Savings account in XX/XX/XXXX, and transferred {$10000.00} into the account ( bank screenshot attached ) on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent an email to me ( email attached ) saying that they've restricted my account until they can " verify my recent account activity. '' My account shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I called this number and was taken to a voicemail and instructed to leave my contact information. I left my information but was never contacted by Capital One. I subsequently called Capital One general customer service to get transferred to a person who could help me on my case. This person told me that my account was being investigated but was not able to tell me why my funds were being investigated, how long it would take, or what additional steps I could take to move the process forward. Between XXXX and today ( XX/XX/XXXX ), I've called three times and each time tried to escalate to a manager who could better help me with my issue or answer my questions. The representatives wouldn't escalate my issue, and I have gotten no answers to my questions. They weren't able to provide any reasons for why my account was under investigation, any timeline on how long the investigation would take, any estimation for when I would be able to withdraw my money. They have been holding my money indefinitely without reason, and refusing to answer my questions.
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A