Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to get information that you refuse to send. I have a dispute in place here for my business Spark card but I also have XXXX personal cards that you closed at the same time XX/XX/XXXX. Since XXXX I have been on restricted view unable to see my accounts. I am a paperless customer and you have never sent my statements via USPS.You have blocked me altogether from entering through the app or your online banking portal. This is wrong. You closed all three of my accounts while being paid as agreed and never late. That was in XX/XX/XXXX. When asked why you closed my accounts I was told too many bounced payments. When I asked you to go verify that of course knowing it was wrong I then was told I opened too many disputes. I opened XXXX dispute on my Spark Card and that was at the end of XX/XX/XXXX and by XX/XX/XXXX the money was refunded to me and you took your provisional money back. A well executed text book handled dispute. The Company was Spoiled Child. I have tried to explain my thoughts on the disputes that were opened by YOU. XX/XX/XXXX at around XXXX I was siting with the watch commander of the XXXX XXXX My computer had been hacked and the money in my personal account had been turned into crypto currency. While filling out the police report he suggested I call the furnishers of credit. Being that i put all my eggs in one basket and had both my personal and business cards with only Capital One I phoned as a courtesy and shared what transpired I also made it very clear that none of my cards had been affected. But thought you should know on the off chance something did transpire. From that 4 minute phone call all XXXX broke loose. It wouldn't be until XXXX and my vendors were reaching out and saying they were not going to be paid. XXXX said your financial instituton has begun chargebacks and disputes. Now if I had a dispute and it was through XXXX I would have them dispute the charge I would take care of that I would not expect that you would go to XXXX on my behalf and without me knowing but that is what you did. XXXX could not close the disputes that had to come through you. And even thought i phoned and asked how this started and to stop it you continued right on going. What this did was force me to pay those people places and things by other means. Which is what I have done. You Executive team sent me a letter saying that they did not open disputes and no charge backs occurred. That is not true or correct. Many of the things the Executive Team had in their letter was wrong. Dates, what transpired and when it transpired. They even said that in XXXX when they finally realized an in-house mistake was made that you opened up my XXXX accounts again. That is not true of correct either.What you did was close my accounts and within 24 hours you had reported my accounts closed to all three credit bureaus. My FICO went from XXXX to XXXX overnight. I lost a parent loan for my XXXX XXXX, I was turned down by creditors, my credit limits lowered on my XXXX card and you left me unable to secure another XXXX. And to date I am unable to secure any credit. You took my good credit and you ruined it overnight. Your Executive Team seems to think they fixed the incorrect reporting with all three bureaus. Or, at least thats what a letter says. I was on the phone with each CRA yesterday and not a single person at Capital One has made the attempt to fix what was ruined by you. In fact there are not many things that you have gotten right with this. Your letter states dates and time when you think things occurred and you are very wrong. You have tried to twist this and turn it into a me problem.When it's a you problem. I have been fighting this for a year and my last letter to you like all the others sent before it, has been sent certified mail USPS. My last letter to you was XX/XX/XXXX. My last call 7 days ago. I have been sent to collections for my Spark card but after showing the collection agency my paperwork they sent me back to you. Why?? because there is nothing to collect on. My XXXX personal cards are the same. but I cant seem to find where they are. You have refused to send me statements, you have refused to pull the restricted view on my accounts and I have no clue how I am supposed to see whats going on when you don't want me to? That is clear. I have noticed for the 4 days I was allowed into the app in XXXX things did not look the same. When I brought that to the powers that be I was closed out once again and never allowed to enter the system again. I have sent you proof of the people places and things being paid I have asked you for every statement on both personal accounts and proof that I owe. To date I have never received either. I have sent the CEO of Capital One and the VP of Fraud many emails with the attachments that you were sent via USPS. And I know that both are opening my emails I have a tracker I know that when the letter arrived it mentioned me reaching out the the CEO so I know my attachments are there.. You have gone way past the XXXX billing cycles getting me the answers and my proof. You run on Capital Ones time. I have asked you to post my store returns where the original source of payment has been credited and what did you do about that?? You sent me dispute paperwork. The dispute is with you not with XXXX or XXXX. I have given you the return transaction numbers, along with the dates. And nothing changes.The mistakes are endless .You have only issued to me XXXX Capital One credit cards one Spark ending in # XXXX and XXXX personal # XXXX and # XXXX. So why are there charges on other card numbers I have never activated or used? You have never reopened any of the accounts like your letter states You have never cleaned up my credit like you letter states. But you need to do this now. You have failed to follow the Credit Card laws and I am really suffering because of your endless lies. Do you know that there is a number you posted on all three of the CRA stating that if a future creditor wanted to find out why you had closed my accounts in good standing they could call you. I called and what you said about me was taped but also not true. I would like you to put the store credit where they belong put all my payments onto the accounts where they belong credit the money I paid to the people and places you refused to. and then send me a copy of all the statements. I can tell you know if you do this correctly you will owe me money at the end. I have sent you a few credits that should be posted as well as chargebacks ruled in my favor I have sent you the dispute form you sent me when I asked you to post XXXX credit and you made it a new charge. I have sent you copies of the original payments made and of course you have been sent everything numerous times its too much to post it all here.

Company response to consumer: Closed with monetary relief