{"took":556,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3364,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5567182","_score":17.596497,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a XXXX account in XX/XX/2021. They offer a program which is a secured card. \n\nI initially placed a XXXX security deposit and then another XXXX for a total security deposit of XXXX. XXXX ( XXXX ) - issued me a XXXX credit card with a XXXX secured deposit in my XXXX account. \n\nI used the card for several months and then when I closed the account XXXX took XXXX from the security deposit and paid off the balance on the card. The Bank issued me a deposit for XXXX which was the remainder of the security deposit minus balance on the secured card. \n\nA month later XXXX ( XXXX ) started to report the balance as late and with a total due of XXXX. \n\nI have disputed the information XXXX provides to the credit agencies monthly and they correct the data monthly. Each and every following month, XXXX reports late payments and as well collection activity that does not exist. \n\nI am including the documents that show, XXXX. My initial deposit to Secured Account of XXXX XXXX. My second deposit of XXXX to Secured Account. \nXXXX XXXX  Depositing to my account the difference between the balance due and security deposits, which totaled XXXX. \n\nThe credit card has been closed from XX/XX/2021 and there was no balance due. There are no late payments. There is no collections. \n\nPlease find attached.","date_sent_to_company":"2022-05-16T19:01:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5567182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-16T19:00:58.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I opened a XXXX <em>account</em> in XX/XX/2021. They offer a program which is a secured <em>card</em>. \n\nI initially placed a XXXX <em>security</em> <em>deposit</em> and then another XXXX for a total <em>security</em> <em>deposit</em> of XXXX. XXXX ( XXXX ) - issued me a XXXX <em>credit</em> <em>card</em> with a XXXX secured <em>deposit</em> in my XXXX <em>account</em>. \n\nI used the <em>card</em> for several months and then when I closed the <em>account</em> XXXX took XXXX from the <em>security</em> <em>deposit</em> and paid off the balance on the <em>card</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[17.596497,"5567182"]},{"_index":"complaint-public-v1","_id":"7837432","_score":17.509377,"_source":{"product":"Credit card","complaint_what_happened":"I had opened a secured credit card account with Citi Bank last year by depositing {$1000.00} USD as a security deposit. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my Security Deposit account through a check but even after multiple requests the check was never delivered to me. I even asked them to do a direct deposit in my checking account or refund the security deposit by posting a {$1000.00} credit on my credit card but they are not doing that. I have called them over 20 times and have been complaining to them on XXXX as well. Everytime they say that we will mail you the check but nothing happens. Please help resolve this matter with Citi and help me get my Security deposit back.","date_sent_to_company":"2023-11-12T00:15:50.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75024","tags":null,"has_narrative":true,"complaint_id":"7837432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-11-11T23:49:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I had opened a secured <em>credit</em> <em>card</em> <em>account</em> with Citi Bank last year by <em>depositing</em> {$1000.00} USD as a <em>security</em> <em>deposit</em>. This <em>Credit</em> <em>card</em> was converted to an unsecured <em>credit</em> <em>card</em> ( Regular <em>credit</em> <em>card</em> ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my <em>Security</em> <em>Deposit</em> <em>account</em> through a check but even after multiple requests the check was never delivered to me."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.509377,"7837432"]},{"_index":"complaint-public-v1","_id":"3024226","_score":17.162493,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"It was a capital one credit card and now being collected by XXXX XXXX. I was surprised to see I had a debt with capital one. I had two secured credit cards at one point and as a secured credit card the limit or balance is covered by the security deposit. Security deposit is collateral so that if someone stops paying then everything will be covered by the deposit and both the credit card company and customer is satisfied because the credit wont have to collect a debt and the customer wont accumulate any more bad credit. XXXX XXXX  did this same thing to me but they removed it after I called and explained that my balance was covered by the security deposit. I called capital one and was answered with that's not what this credit card does. I signed up for a secured credit card so that I wouldn't have to ever owe and they signed me up with a higher limit then the security deposit covered so it was turned into an unsecured credit card without my knowledge. I had a XXXX limit with a XXXX security deposit. According to what it says about secured credit, the deposit is collateral for whatever the limit is, not partial otherwise it would be turned into an unsecured credit card. The object of the card was to build credit, not have it be closed with a debt that makes my credit worse. I have removed everything off my XXXX but this card. Anyway I ended up losing my job in 2015 and could not pay for the credit card anymore. I was not worried because I knew I was covered by the security deposit and the account would just close out and been paid for by the security deposit. Come to find out my account ended up being overdrafted and stacked with late and overdraft charges. I got the secured credit card to avoid this happening and it still ended up happening and my credit is screwed up cause of it and I cant get another credit card with cap one because I was denied due to this debt. Because I have cleaned up my credit I now qualify for an unsecured credit card and would get the card no problem if I didn't have this on my credit. I don't see the point of giving someone a secured credit card. Having the deal say that the security deposit is collateral then not abiding by the deal and having the security deposit cover only part of the card and then stacking with late fees and overdraft fees. It should have closed with the security deposit covering any and all debts or losses from the card. Those were the agreements that the security deposit would be collateral and everything would be covered aka secured. Secured means covered not partial coverage and not if we overdraft your account with a late fee. It is what it is, the secured credit card is covered by the deposit no matter how much is deposited or what the limit is compared to the deposit. If I wanted an unsecured credit card I would have applied for one but I didn't want to maybe lose my job like it did and have a huge debt. Instead I chose the secured to make sure its covered in case something happens and it can close even. I do not owe this company any money, it was all covered by the deposit and I would like to have it removed from my credit. I also sent in a dispute and never received a response instead \" XXXX XXXX '' showed up so all they did was change to a different collection after I disputed which voided the dispute. I used XXXX XXXX to dispute everything on my credit and everything was disputed and I saw capital one removed then all of a sudden show up as XXXX  XXXX. Another tisk tisk cause I don't know if they could validate the debt or what but not answering then just opening a new account under a different name so they could try to collect something that was already disputed with no response is low especially when the entire debt is just their own fees so I don't owe anything. If they were to clear this from my credit I would get another card with them and build a new relationship. A secured card is a secured card. I received an unsecured card if the card wasn't covered by the security deposit.","date_sent_to_company":"2018-09-20T07:18:48.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"857XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3024226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-09-20T02:35:47.000Z","state":"AZ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The object of the <em>card</em> was to build <em>credit</em>, not have it be closed with a debt that makes my <em>credit</em> worse. I have removed everything off my XXXX but this <em>card</em>. Anyway I ended up losing my job in 2015 and could not pay for the <em>credit</em> <em>card</em> anymore. I was not worried because I knew I was covered by the <em>security</em> <em>deposit</em> and the <em>account</em> would just close out and been paid for by the <em>security</em> <em>deposit</em>. Come to find out my <em>account</em> ended up being overdrafted and stacked with late and overdraft charges."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Closing your <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[17.162493,"3024226"]},{"_index":"complaint-public-v1","_id":"18928013","_score":16.904184,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Capital One - Missing Security Deposit on Former Secured Credit Card To Whom It May Concern, I am submitting this complaint regarding a missing security deposit related to a Capital One Secured Credit Card I opened in XXXX. \n\nAt the time the account was opened, Capital One advertised that the secured credit limit would equal the amount of the security deposit provided. I paid a {$500.00} security deposit to open this account, and my credit limit reflected that amount. \n\nOver the years, I maintained the account in good standing and later opened additional credit cards with other providers. I was recently informed by Capital One that this secured card had been converted to an unsecured card. However, when I attempted to close the account and request the return of my original {$500.00} security deposit, Capital One representatives stated that they are unable to locate this deposit. \n\nI contacted Capital One multiple times on XX/XX/XXXX, at approximately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX During these calls, I was repeatedly told that representatives could not fully access my account records and that they only see a reference to a {$49.00} security balance, which does not align with the original {$500.00} deposit I paid. I was advised to submit my concern through written correspondence. \n\nI no longer have receipts from XXXX, but I am confident the {$500.00} deposit was paid as required to open the account and establish the original credit limit. There is no reasonable explanation for this deposit to have disappeared without being returned or applied. \n\nI am requesting : XXXX. Documentation showing the receipt of my original {$500.00} security deposit ; XXXX. A full accounting of how that deposit was handled when the account was converted from secured to unsecured ; and XXXX. The return of my {$500.00} security deposit, or written proof that it was previously refunded or applied, if Capital One claims that occurred. \n\nI appreciate the CFPBs assistance in helping resolve this matter and ensuring proper documentation and accountability.","date_sent_to_company":"2026-01-22T17:52:16.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08873","tags":null,"has_narrative":true,"complaint_id":"18928013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-22T17:43:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["Subject : Capital One - Missing <em>Security</em> <em>Deposit</em> on Former Secured <em>Credit</em> <em>Card</em> To Whom It May Concern, I am submitting this complaint regarding a missing <em>security</em> <em>deposit</em> related to a Capital One Secured <em>Credit</em> <em>Card</em> I opened in XXXX. \n\nAt the time the <em>account</em> was opened, Capital One advertised that the secured <em>credit</em> limit would equal the amount of the <em>security</em> <em>deposit</em> provided. I paid a {$500.00} <em>security</em> <em>deposit</em> to open this <em>account</em>, and my <em>credit</em> limit reflected that amount."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.904184,"18928013"]},{"_index":"complaint-public-v1","_id":"16268879","_score":16.808971,"_source":{"product":"Credit card","complaint_what_happened":"DEAR CONSUMERFINANCE.GOV, I HAVE SENT OUT LETTERS AND AN EMAIL TO REACH TD BANK CREDIT CARD SERVICES IN REFERENCE TO RECEIVING MY SECURITY DEPOSIT OF {$500.00} WHICH WAS BEING HELD FOR ALMOST 7 YEARS FOR NON- PURPOSES. I HAVE PAID ON TIME AND PAID OFF THIS ACCOUNT SEVERAL TIMES, BUT TD BANK CREDIT CARD SERVICES REFUSED TO REFUND MY SECURITY DEPOSIT AND JUST RECENTLY CLOSED THE CREDIT CARD ACCOUNT ON XX/XX/year>, WITHOUT MY KNOWLEDGE AND NOT RESPECTFULLY REACHING OUT TO ME AS A CONSUMER FOR BEING LATE FOR XXXX AND XXXX PAYMENTS FOR 2025. I DIDN'T PAY XXXX AND XXXX STATEMENTS BECAUSE THE TD BANK CUSTOMER CARE REFUSED TO ANSWER MY EMAIL AND LETTERS BY MAIL AND I DIDN'T SEE NO NEED TO KEEP PAYING THIS TD BANK CREDIT CARD ANYMORE. THE XXXX BRANCH CLOSED ON XX/XX/year> AND THAT IS WHERE I HAD OPENED MY SECURED CREDIT CARD ACCOUNT! I HAVE TRIED SUCCESSFULLY TO CONTACT THIS TD BRANCH BY PHONE AND VISITING THE XXXX BRANCH ONLY TO STATE THE TD CREDIT CARD WASN'T UPGRADED TO A UN SECURED VISA CREDIT CARD. I FEEL IT WAS BECAUSE I DID RECEIVE THE VISA SIGNATURE CREDIT CARD MUCH LATER BUT SOMEHOW THE XXXX BRANCH TD BANK KEPT MY SECURITY DEPOSIT. I AM ENTITLED TO MY {$500.00} SECURITY DEPOSIT AFTER ALL THESE YEARS AND JUST BECAUSE I DIDN'T PAY XXXX AND XX/XX/year> STATEMENTS IS NOT A VALID REASON TO SUDDENLY KEEP MY SECURITY DEPOSIT AND PAID OFF THE TD CREDIT CARD ACCOUNT BY CLOSING IT AND STATING BY LAW THEY CAN DO IT. THAT IS UNACCEPTABLE BECAUSE I HAD REQUESTED MY SECURITY DEPOSIT OF {$500.00} FOR MANY YEARS. I ALSO WAS TOLD BY PHONE THAT MY ACCOUNT WAS BEING HANDLED ROBOTICS. TD BANK CUSTOMER REPRESENTATIVE STATED THAT TO ME, THAT WOULD MAKE SENSE IF NOT BEING HANDLED BY HUMANS! BUT HOW IRONIC FOR A HUMAN TO FINALLY HANDLE MY TD CREDIT CARD ACCOUNT NOW TO CLOSE IT AND RETRIEVE MY {$500.00} SECURITY DEPOSIT MANUALLY. THAT IS FRAUDULENT AND UNACCEPTABLE TO ME AS A TD BANK CREDIT CARD HOLDER. THANK YOU TO INVESTIGATION CONSUMERFINANCE.GOV! * * UPLOADED","date_sent_to_company":"2025-10-03T20:01:20.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"16268879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-09-30T16:53:20.000Z","state":"VA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I FEEL IT WAS BECAUSE I DID RECEIVE THE VISA SIGNATURE <em>CREDIT</em> <em>CARD</em> MUCH LATER BUT SOMEHOW THE XXXX BRANCH TD BANK KEPT MY <em>SECURITY</em> <em>DEPOSIT</em>. I AM ENTITLED TO MY {$500.00} <em>SECURITY</em> <em>DEPOSIT</em> AFTER ALL THESE YEARS AND JUST BECAUSE I DIDN'T PAY XXXX AND XX/XX/year> STATEMENTS IS NOT A VALID REASON TO SUDDENLY KEEP MY <em>SECURITY</em> <em>DEPOSIT</em> AND PAID OFF THE TD <em>CREDIT</em> <em>CARD</em> <em>ACCOUNT</em> BY CLOSING IT AND STATING BY LAW THEY CAN DO IT."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing your <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[16.808971,"16268879"]},{"_index":"complaint-public-v1","_id":"8373679","_score":16.788475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made security deposit with XXXXXXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX XXXX and some other collection agency XXXX cant recall","date_sent_to_company":"2024-02-19T18:30:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07050","tags":"Servicemember","has_narrative":true,"complaint_id":"8373679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-02-19T18:30:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I made <em>security</em> <em>deposit</em> with XXXXXXXX XXXX XXXX XXXX for XXXX <em>card</em> after missing several payment bank refused to accept payments never refunded <em>security</em> <em>deposit</em> and turned over <em>account</em> to collection agency illegally reporting as unsecured <em>credit</em> on my <em>credit</em> report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my <em>security</em> <em>deposit</em> and continues to illegally report this on my <em>credit</em> report I want them to delete the <em>account</em> from my <em>credit</em> report they never lost any"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.788475,"8373679"]},{"_index":"complaint-public-v1","_id":"18573224","_score":16.765932,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding Citibank , N.A . for continuing to collect and report an inaccurate balance on a secured credit card account. \nThis account was a secured credit card with a {$500.00} security deposit and was closed in 2022. Under standard banking practices and consumer protection laws, when a secured credit card account is closed, the security deposit must be applied to the outstanding balance to determine the final balance. \nThe highest balance Citibank has ever reported on this account is {$410.00}, which is less than the {$500.00} security deposit. Therefore, the correct final balance should be {$0.00}. \nCitibank has failed to provide any documentation demonstrating that the {$500.00} security deposit was applied, nor has it provided a final account closing statement. Despite this, Citibank continues to attempt collection and report a balance owed to the credit bureaus, causing ongoing harm to my credit profile. \nI believe Citibank is violating the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate and unverifiable information, and is engaging in unfair and deceptive practices by attempting to collect a debt that should have been satisfied by the security deposit. \nI respectfully request that the CFPB require Citibank to : Provide the final closing statement for the account Demonstrate the application of the {$500.00} security deposit Correct the balance to {$0.00} Remove all negative credit reporting related to this account Cease all collection activity Return any excess portion of the deposit, if applicable","date_sent_to_company":"2026-01-08T18:44:19.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"18573224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-08T18:31:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding Citibank , N.A . for continuing to collect and report an inaccurate balance on a secured <em>credit</em> <em>card</em> <em>account</em>. \nThis <em>account</em> was a secured <em>credit</em> <em>card</em> with a {$500.00} <em>security</em> <em>deposit</em> and was closed in 2022. Under standard banking practices and consumer protection laws, when a secured <em>credit</em> <em>card</em> <em>account</em> is closed, the <em>security</em> <em>deposit</em> must be applied to the outstanding balance to determine the final balance."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[16.765932,"18573224"]},{"_index":"complaint-public-v1","_id":"8373680","_score":16.7658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I made security deposit with XXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX midland and some other collection agency I cant recall","date_sent_to_company":"2024-02-19T18:30:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07050","tags":"Servicemember","has_narrative":true,"complaint_id":"8373680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-02-19T18:30:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I made <em>security</em> <em>deposit</em> with XXXX XXXX XXXX XXXX for XXXX <em>card</em> after missing several payment bank refused to accept payments never refunded <em>security</em> <em>deposit</em> and turned over <em>account</em> to collection agency illegally reporting as unsecured <em>credit</em> on my <em>credit</em> report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my <em>security</em> <em>deposit</em> and continues to illegally report this on my <em>credit</em> report I want them to delete the <em>account</em> from my <em>credit</em> report they never lost any money"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.7658,"8373680"]},{"_index":"complaint-public-v1","_id":"2995650","_score":16.709074,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a capital one secured Master Card credit card account in XX/XX/2018 to reestablish my credit. I put up a {$420.00} deposit, and got a {$570.00} credit line. The agreement with the credit card company is after a time the consumers deposit would be returned in the form of a statement credit, if the account was in good standing. MIne has been in good standing for 6 months, never missed a payment and the credit card company just issued a {$300.00} additional credit line, making the total credit line of {$870.00}. I called today ( 5 times ), to speak with different represenative ( s ), to ask about \" when will my account be eligible for it to be unsecured so as to get my deposit back in the form of a statement credit '', but no one would give me an answer. Below is a copy of the secure card deposit refund information on Capital One Secured Card Website ; Why Does Capital One Require A Security Deposit? \n\" The security deposit is used as collateral against your credit line. The security deposit is refundable if you close your account and pay your balance in full. If your account is deemed eligible for unsecuring, we will return your security deposit to you as a statement credit ''. \n\nI ask the representatives if my credit card account was in good standing they all said \" YES '' but would not give me a reasonable explanation as to when my account would be eligible to be a unsecured account so as to get my deposit back as stated above? Non of them had an answer and they were rude to say the least, three of which hung up on me. If my account is in good standing, then it should be eligible to be deemed unsecured, since the payment shave been made on time. \n\nAlso, I ask if my deposit was in a interest bearing account and if the return/ or statement credit would include the interest accumulated, the representatives would not give me an answer, they were rude and indifferent..","date_sent_to_company":"2018-08-19T17:29:42.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"394XX","tags":null,"has_narrative":true,"complaint_id":"2995650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-08-19T16:37:39.000Z","state":"MS","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Below is a copy of the secure <em>card</em> <em>deposit</em> refund information on Capital One Secured <em>Card</em> Website ; Why Does Capital One Require A <em>Security</em> <em>Deposit</em>? \n\" The <em>security</em> <em>deposit</em> is used as collateral against your <em>credit</em> line. The <em>security</em> <em>deposit</em> is refundable if you close your <em>account</em> and pay your balance in full. If your <em>account</em> is deemed eligible for unsecuring, we will return your <em>security</em> <em>deposit</em> to you as a statement <em>credit</em> ''."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.709074,"2995650"]},{"_index":"complaint-public-v1","_id":"6405258","_score":16.703049,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"on XX/XX/2022 Social security sent my social security direct depost on my a netspend card and they refuse to deposit it or open account. The emailed me they needed more information like a social security card. Once I sent the upload of a social security card they sent the deposit back to social security and reported the card they mailed to me lost/stolen. Social security rec 'd it but the earliest it could deposit monies was on the XXXX of XXXX and I now have late fees such as a {$49.00} dollar late fee and a {$100.00} NSF fee. I feel like other bias cause issues as every time I call Netspend they put me through to automated voice system knowing card is deactivated and system will hang up on you. I have another account that provisitional credits is due on and yet not refunded. Deceptive practices has cause me to be late on rent.","date_sent_to_company":"2023-01-07T04:59:06.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"89102","tags":null,"has_narrative":true,"complaint_id":"6405258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-01-07T04:41:36.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with direct deposit"},"highlight":{"complaint_what_happened":["on XX/XX/2022 Social <em>security</em> sent my social <em>security</em> direct depost on my a netspend <em>card</em> and they refuse to <em>deposit</em> it or open <em>account</em>. The emailed me they needed more information like a social <em>security</em> <em>card</em>. Once I sent the upload of a social <em>security</em> <em>card</em> they sent the <em>deposit</em> back to social <em>security</em> and reported the <em>card</em> they mailed to me lost/stolen."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using the <em>card</em>"],"sub_product":["General-purpose prepaid <em>card</em>"],"sub_issue":["Problem with direct <em>deposit</em>"]},"sort":[16.703049,"6405258"]},{"_index":"complaint-public-v1","_id":"9182961","_score":16.648342,"_source":{"product":"Credit card","complaint_what_happened":"Capital One product : XXXX secured credit card. To open account Capital One requires Security Deposit in the US dollars. Account balance will be the same as amount of Security Deposit. Formula Capital One uses to calculate Interest which is Variable 29,99 % Interest = prime rate + margin. In the terms written that in the event of the default creditor will use Security Deposit to cover risk. Security Deposit insured by FDIC. My question is how Capital One uses Security Deposit when calculating Interest for the Secured credit cards?","date_sent_to_company":"2024-06-06T07:02:15.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9182961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-06T06:25:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Capital One product : XXXX secured <em>credit</em> <em>card</em>. To open <em>account</em> Capital One requires <em>Security</em> <em>Deposit</em> in the US dollars. <em>Account</em> balance will be the same as amount of <em>Security</em> <em>Deposit</em>. Formula Capital One uses to calculate Interest which is Variable 29,99 % Interest = prime rate + margin. In the terms written that in the event of the default creditor will use <em>Security</em> <em>Deposit</em> to cover risk. <em>Security</em> <em>Deposit</em> insured by FDIC."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[16.648342,"9182961"]},{"_index":"complaint-public-v1","_id":"3587215","_score":16.597223,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX of XXXX, I applied for a Capital One credit card. Capital One required me to send a {$200.00} security deposit to open a secured credit card account with them. My credit limit was equal to the security deposit - {$200.00}. In XXXX of XXXX, I requested from Capital One a credit limit increase. They denied it. They said they do not increase credit limits for secured credit cards like mine which are correlated with a security deposit. In late XXXX of XXXX, Capital One increased my credit limit to {$500.00}. Thoroughly confused, I asked Capital One for my {$200.00} security deposit back and they refused. I have written them twice. I have reviewed Capital One 's credit card terms and customer agreements and nowhere in any legal documentation can a customer have a combined credit card which is secured and unsecured. They should have sent me another card with a {$300.00} limit or sent me my {$200.00} back.","date_sent_to_company":"2020-03-31T18:56:28.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"93308","tags":null,"has_narrative":true,"complaint_id":"3587215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-03-31T18:31:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["In XXXX of XXXX, I applied for a Capital One <em>credit</em> <em>card</em>. Capital One required me to send a {$200.00} <em>security</em> <em>deposit</em> to open a secured <em>credit</em> <em>card</em> <em>account</em> with them. My <em>credit</em> limit was equal to the <em>security</em> <em>deposit</em> - {$200.00}. In XXXX of XXXX, I requested from Capital One a <em>credit</em> limit increase. They denied it. They said they do not increase <em>credit</em> limits for secured <em>credit</em> cards like mine which are correlated with a <em>security</em> <em>deposit</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.597223,"3587215"]},{"_index":"complaint-public-v1","_id":"9191272","_score":16.586773,"_source":{"product":"Checking or savings account","complaint_what_happened":"12 CFR Part 1026 ( Regulation Z ) Authority This part, known as Regulation Z, is issued by the Bureau of Consumer Financial Protection to implement the Federal Truth in Lending Act, which is contained in title I of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601et seq. ) XXXX XXXX is in violation of Regulation Z and the EFTA by withdrawing funds from my XXXX deposit to credit a debt. \n\nAlso, XXXX XXXX have used deceptive means when NOT having my \" Scheduled Deposit '' show durning banking hours BEFORE the day it's to be available due to my Credit Card debt. THIS IS DECEPTIVE PRATICE. \n\n12 1026.12 ( d ) ( 1 ) General rule.A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer 1026.12 ( d ) ( 2 ) Security interest - limitations The security interest must not be the functional equivalent of a right of offset. \n\nAs a result, routinely including in agreements contract language indicating that consumers are giving a security interest in any deposit accounts maintained with the issuer does not result in a security interest that falls within the exception in 1026.12 ( d ) ( 2 ) I was NOT aware or intended to XXXX a security interest in my deposit account ( prepaid account ) Per Regulation Z, In addition to the account- opening disclosures, XXXX XXXX failed to provide me a document separate from my deposit account agreement and the credit card account agreement. \n\nThis is NOT Constitutionally available for XXXX XXXX TO DO. \n\nI demand my funds credited and deposited back into my prepaid account immediately.","date_sent_to_company":"2024-06-07T02:00:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"9191272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-07T01:16:00.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["agreement and the <em>credit</em> <em>card</em> <em>account</em> agreement."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["Checking <em>account</em>"]},"sort":[16.586773,"9191272"]},{"_index":"complaint-public-v1","_id":"3072918","_score":16.467432,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or about XX/XX/XXXX, I applied for a Wells Fargo Secured Credit Card under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable account balance on the card, Wells Fargo may return to me the security deposit in full that I paid as collateral on the card. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the security deposit I paid to open the account. Wells Fargo denied my request based on their review that my account is not eligible to receive the security deposit refund yet. I disputed their decision based on my positive transaction history over the past 12 months including 2 PAYMENTS OF THE FULL BALANCE ( {$1000.00} ) in XX/XX/XXXX and XX/XX/XXXX. I also had made numerous full balance payments on this card within those 12 months in addition to being late ( less than 10 days past due ) ONLY 3 times. I really need my security deposit as I am struggling to find stable employment and the security deposit of {$1000.00} will help me pay off the current balance on the card.","date_sent_to_company":"2018-11-13T06:52:18.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"3072918","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-11-13T06:32:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On or about XX/XX/XXXX, I applied for a Wells Fargo Secured <em>Credit</em> <em>Card</em> under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable <em>account</em> balance on the <em>card</em>, Wells Fargo may return to me the <em>security</em> <em>deposit</em> in full that I paid as collateral on the <em>card</em>. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the <em>security</em> <em>deposit</em> I paid to open the <em>account</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.467432,"3072918"]},{"_index":"complaint-public-v1","_id":"17300830","_score":16.464672,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I was on my Credit karma account when I seen it say the approval odds for this card is outstanding and it was for the XXXX XXXX secured credit card. The minimum deposit was {$49.00} {$100.00} or {$200.00} and because it was a secured card I figured {$200.00} would be a good security deposit so I applied with the {$200.00} security deposit. It stated my approval odds were outstanding and it withdrew my {$200.00} same time. \n\nAfter about a week after confirming that the deposit was taken I didn't see a card in the mailbox or received any info about the account. So I then contacted Credit Karma who stated the deposit was taken out by XXXX XXXX not them so I should contact XXXX  XXXX. Then, I did and was told it was from Credit Karmas Karmas approved guarantee and they were who took out the deposit.","date_sent_to_company":"2025-11-17T18:28:20.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"34471","tags":null,"has_narrative":true,"complaint_id":"17300830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-11-17T18:09:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["On XX/XX/year> I was on my <em>Credit</em> karma <em>account</em> when I seen it say the approval odds for this <em>card</em> is outstanding and it was for the XXXX XXXX secured <em>credit</em> <em>card</em>. The minimum <em>deposit</em> was {$49.00} {$100.00} or {$200.00} and because it was a secured <em>card</em> I figured {$200.00} would be a good <em>security</em> <em>deposit</em> so I applied with the {$200.00} <em>security</em> <em>deposit</em>. It stated my approval odds were outstanding and it withdrew my {$200.00} same time."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"company":["<em>Credit</em> Karma, LLC"],"sub_issue":["Money was taken from your <em>account</em> on the wrong day or for the wrong amount"]},"sort":[16.464672,"17300830"]},{"_index":"complaint-public-v1","_id":"21433975","_score":16.40885,"_source":{"product":"Credit card","complaint_what_happened":"I opened a secured Credit Card account with capital one and paid a {$200.00} security deposit as required. However, I never received the physical credit card and never activated or use the account. \n\nDespite this, the account was later closed and reported on my credit file. I did not make any transactions on the account, and I was never given the opportunity to use the card since it was never delivered to me. \n\nAdditionally, my {$200.00} security deposit has not been properly returned or accounted for. I am requesting a full investigation into this matter. \n\nSince I never received or used the card, this account should not be negatively impacting my credit report. I am requesting that this account be removed from my credit file and that my {$200.00} deposit be refunded immediately, it was never returned. \n\nPlease provide documentation showing delivery of card, account activity, and the status of my secure deposit.","date_sent_to_company":"2026-04-21T11:23:34.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"21433975","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-21T10:57:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["I opened a secured <em>Credit</em> <em>Card</em> <em>account</em> with capital one and paid a {$200.00} <em>security</em> <em>deposit</em> as required. However, I never received the physical <em>credit</em> <em>card</em> and never activated or use the <em>account</em>. \n\nDespite this, the <em>account</em> was later closed and reported on my <em>credit</em> file. I did not make any transactions on the <em>account</em>, and I was never given the opportunity to use the <em>card</em> since it was never delivered to me."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.40885,"21433975"]},{"_index":"complaint-public-v1","_id":"1871792","_score":16.403337,"_source":{"product":"Credit card","complaint_what_happened":"I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : \" Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.","date_sent_to_company":"2016-04-08T15:41:52.000Z","issue":"Other","sub_product":null,"zip_code":"14304","tags":null,"has_narrative":true,"complaint_id":"1871792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-04-08T15:41:51.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I opened a secured <em>credit</em> <em>card</em> with Capital One which required an initial <em>deposit</em> of {$49.00}. Several months have now passed, and I have established <em>credit</em> with them ( my <em>credit</em> line was increased to {$500.00} on the secured <em>card</em> and I was since approved for a second Capital One <em>card</em> with a newly-increased <em>credit</em> limit of {$3000.00} ). I contacted Capital One today to find out about getting my <em>deposit</em> of {$49.00} refunded on the secured <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[16.403337,"1871792"]},{"_index":"complaint-public-v1","_id":"8189101","_score":16.397718,"_source":{"product":"Credit card","complaint_what_happened":"After a review of my discover credit card account, I found a mysterious charge of {$200.00} from discover during the holiday season. Ive contacted discover about this and other mysterious activity ; find the procedural history below. \n\n1. I opened a secured card with discover with a {$200.00} deposit. After 6 months of on-time payments, discover was set to return my security deposit and raise my credit limit.\n\n2. I requested the security deposit be credited to my discover credit card account but for some reason this was not possible. [ This was the first opportunity to eliminate ambiguity ] 3. I asked for the security deposit to be credited to my debit card but for some reason this was not possible.\n\n4. Discovers option was to send a check. I never received the check from discover.\n\n5. I asked the security deposit be credited to my traditional checking account and discover agreed to issue a stop payment on the check then send the security deposit to my checking account. \n6. After receiving the security deposit in my checking account, I made a payment from my checking account to my discover credit card account in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. \n7. On XX/XX/XXXX my discover credit card account was erroneously charged a - {$200.00} adjustment fee. \nXXXX. On XX/XX/XXXX after discovering the adjustment fee, I contacted discover for a reason for the adjustment fee, receiving two explanations 1 ) my checking account bank allegedly returned the payment? ( no, my checking account bank says that never happened ). 2 ) Discover allegedly gave the security deposit to me twice by mistake ( no, this did not happen )? \n9. The result of the actions is that my discover account is overcharged by - {$200.00} and I may have been overcharged on interest. \n10. Discover describes the situation as crazy alleging : \" Two refunds were sent via electronic deposit ( ACH ). The first was sent on XX/XX/XXXX. The second was sent on XX/XX/XXXX. '' a. Not possible. My bank would have the records and they have stated they do not. More specifically my bank statement listed only one discover credit on XX/XX/XXXX in the amount of {$200.00}. \nb. discover has refused to provide the ACH tracking numbers of the alleged transactions which would quickly prove that discover did not send me two electronic deposits ACH. \n\nThe only remedy for this discrepancy is to add + {$200.00} ( as a credit ) my discover credit card account. \n\nP.S. I received two email responses from discover stating my credit card balance is allegedly ~ {$660.00} and also stating that I am eligible for a {$1.00} statement credit. This of course falls short.","date_sent_to_company":"2024-01-19T16:35:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"8189101","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-01-19T16:26:37.000Z","state":"NJ","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["I asked the <em>security</em> <em>deposit</em> be <em>credited</em> to my traditional checking <em>account</em> and discover agreed to issue a stop payment on the check then send the <em>security</em> <em>deposit</em> to my checking <em>account</em>. \n6. After receiving the <em>security</em> <em>deposit</em> in my checking <em>account</em>, I made a payment from my checking <em>account</em> to my discover <em>credit</em> <em>card</em> <em>account</em> in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. \n7."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Overcharged for something you did purchase with the <em>card</em>"]},"sort":[16.397718,"8189101"]},{"_index":"complaint-public-v1","_id":"3890943","_score":16.362383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXX a funding deposit was sent to Synchrony Bank for the Amazon Credit Builder store card. The secured credit card had a opening credit of {$200.00}. In XX/XX/XXXX the balance on the account was paid in full. On XX/XX/XXXX I filed for personal bankruptcy, which DID NOT include the Amazon Store card. \n\nIn XX/XX/XXXX through to XX/XX/XXXX I had spoken with numerous customer service representatives that had assured me that my deposit was being mailed to me only to find out it was not. On XX/XX/XXXX I received a letter from XXXX XXXX on behalf of the CEO and Director of Synchrony Financial. In her letter it states their policy is to send these checks to the trustee. \n\nIf the account is not part of a bankruptcy that is incorrect because now this account is marked as bankruptcy when it was a clear account that there was no delinquency. \n\nThis is ethically and morally wrong, I am filing a complaint because this company did not abide by their own policy regarding secured funding deposits. This is what it states on the Amazon website regarding Amazon Credit Builder.\n\nSecurity Deposit Refund If you close your account and have paid your balance in full, you will receive your security deposit back by mail. If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Learn more about upgrading to the Amazon Store Card.","date_sent_to_company":"2020-10-09T20:22:09.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"85379","tags":"Servicemember","has_narrative":true,"complaint_id":"3890943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-10-09T19:41:36.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["<em>Security</em> <em>Deposit</em> Refund If you close your <em>account</em> and have paid your balance in full, you will receive your <em>security</em> <em>deposit</em> back by mail. If your Amazon <em>Credit</em> Builder is upgraded to the unsecured Amazon Store <em>Card</em>, Synchrony Bank will automatically issue an unsecured Amazon Store <em>Card</em> <em>account</em> to you and refund your <em>security</em> <em>deposit</em>. Learn more about upgrading to the Amazon Store <em>Card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[16.362383,"3890943"]},{"_index":"complaint-public-v1","_id":"3863777","_score":16.332989,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured capital one platinum card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my XXXX  credit report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. Capital One already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! Capital One says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!","date_sent_to_company":"2020-09-24T17:51:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98155","tags":"Servicemember","has_narrative":true,"complaint_id":"3863777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-09-24T17:39:26.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I remembered that I paid a {$250.00} <em>security</em> <em>deposit</em> when i opened the <em>account</em>, so I disputed the entry on my XXXX  <em>credit</em> report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} <em>security</em> <em>deposit</em> to the open charges on that <em>account</em> and closed the <em>account</em>. Here is the reason for my complaint : A <em>security</em> <em>deposit</em> is held to protect the <em>credit</em> <em>card</em> companies against situations like this. That is what its for."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.332989,"3863777"]},{"_index":"complaint-public-v1","_id":"3863800","_score":16.329319,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!","date_sent_to_company":"2020-09-24T17:51:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98155","tags":"Servicemember","has_narrative":true,"complaint_id":"3863800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-24T17:51:50.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I remembered that I paid a {$250.00} <em>security</em> <em>deposit</em> when i opened the <em>account</em>, so I disputed the entry on my experian <em>credit</em> report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} <em>security</em> <em>deposit</em> to the open charges on that <em>account</em> and closed the <em>account</em>. Here is the reason for my complaint : A <em>security</em> <em>deposit</em> is held to protect the <em>credit</em> <em>card</em> companies against situations like this. That is what its for."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.329319,"3863800"]},{"_index":"complaint-public-v1","_id":"11469705","_score":16.309,"_source":{"product":"Credit card","complaint_what_happened":"I closed my secured credit card online with a security deposit of XXXX. My current balance is actually - {$1.00} because of an overpayment that I did on XX/XX/XXXX. XXXX with Capital One said I won't get my security deposit back for up to 2 billing cycles which puts me over XX/XX/XXXX. I have another credit card with them, that I paid and a checking account, and they will only issue my security deposit back in a form of a check. It's ridiculous that my card is paid in full and my funds won't be returned back to me for over a 45 days.","date_sent_to_company":"2025-01-10T18:25:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78332","tags":null,"has_narrative":true,"complaint_id":"11469705","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-10T18:20:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I closed my secured <em>credit</em> <em>card</em> online with a <em>security</em> <em>deposit</em> of XXXX. My current balance is actually - {$1.00} because of an overpayment that I did on XX/XX/XXXX. XXXX with Capital One said I won't get my <em>security</em> <em>deposit</em> back for up to 2 billing cycles which puts me over XX/XX/XXXX. I have another <em>credit</em> <em>card</em> with them, that I paid and a checking <em>account</em>, and they will only issue my <em>security</em> <em>deposit</em> back in a form of a check."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing your <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[16.309,"11469705"]},{"_index":"complaint-public-v1","_id":"3002532","_score":16.287577,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?","date_sent_to_company":"2018-08-27T13:02:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"040XX","tags":null,"has_narrative":true,"complaint_id":"3002532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-08-27T13:02:13.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Secured <em>credit</em> <em>card</em> with XXXX, Paid {$1000.00} <em>security</em> <em>deposit</em>. <em>Account</em> closed by XXXX and {$1000.00} <em>security</em> <em>deposit</em> applied to balance. <em>Credit</em> bureau 's state <em>account</em> closed, negative <em>account</em>, past due {$95.00}?"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.287577,"3002532"]},{"_index":"complaint-public-v1","_id":"19544545","_score":16.272095,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a secured credit card account and provided a security deposit of approximately {$500.00}, which was intended to be held as collateral for the credit line on the account. \n\nAfter using the account, I noticed that my balance did not appear to reflect the security deposit that I had provided. Despite giving a {$500.00} deposit to secure the account, I was later informed that I owed an additional amount beyond the deposit. \n\nI requested that the company provide documentation related to this account, including the original application with my signature and records showing how much was provided as the security deposit. I also requested a full account-level report showing how the balance was calculated and how the deposit was applied. \n\nThe company did not provide the requested documentation or any detailed report explaining the account activity or the application of the security deposit. I am disputing the account balance and the companys failure to provide documentation supporting how the deposit was applied.","date_sent_to_company":"2026-02-17T01:41:40.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"52404","tags":null,"has_narrative":true,"complaint_id":"19544545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2026-02-17T01:34:29.000Z","state":"IA","company_public_response":null,"sub_issue":"Fees charged for closing account"},"highlight":{"complaint_what_happened":["I opened a secured <em>credit</em> <em>card</em> <em>account</em> and provided a <em>security</em> <em>deposit</em> of approximately {$500.00}, which was intended to be held as collateral for the <em>credit</em> line on the <em>account</em>. \n\nAfter using the <em>account</em>, I noticed that my balance did not appear to reflect the <em>security</em> <em>deposit</em> that I had provided. Despite giving a {$500.00} <em>deposit</em> to secure the <em>account</em>, I was later informed that I owed an additional amount beyond the <em>deposit</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Fees charged for closing <em>account</em>"]},"sort":[16.272095,"19544545"]},{"_index":"complaint-public-v1","_id":"3002529","_score":16.253813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Secured credit card with Discover, Paid {$1000.00} security deposit. Account closed by Discover and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?","date_sent_to_company":"2018-08-27T13:02:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"040XX","tags":null,"has_narrative":true,"complaint_id":"3002529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-08-27T12:56:39.000Z","state":"ME","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Secured <em>credit</em> <em>card</em> with Discover, Paid {$1000.00} <em>security</em> <em>deposit</em>. <em>Account</em> closed by Discover and {$1000.00} <em>security</em> <em>deposit</em> applied to balance. <em>Credit</em> bureau 's state <em>account</em> closed, negative <em>account</em>, past due {$95.00}?"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer 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