CAPITAL ONE FINANCIAL CORPORATION

2019-08-14

Peoria, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-14

MO

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I have submitted a dispute over a transaction back in XX/XX/2018 in regards to a transaction appearing as XXXX XXXX XXXX. This is an online merchant gaming website. There was several issues with the use of there website, I have supplied screenshots of the errors. I have also supplied sufficient documentation regarding the reason for dispute as well including a statement from me why this transaction should be disputed. I have also sent many messages to Capital One between me and the merchant. I have supplied Capital One with ALL needed docs to process this dispute request. I have never been able to resolve this issue with the merchant nor Capital One. I have also made a request to have this dispute re-opened by a manager and he stated he will do it. Well shortly after I received a call from Capital One stating they had to close the dispute. This was not handled right at all.
Company Response: Closed with monetary relief

Timely Response

2019-08-14

CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: Sent a preapproved offer in mail for credit card offer so applied at capital one venture site. Reservation code XXXX access XXXX I have perfect credit yet was denied for unknown reason Why would they solicit me an offer if not eligible for bonus points, bad marketing practices, I would like my hard pull reversed
Company Response: Closed with explanation

Timely Response

2019-08-13

Bronx, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2019 I used XXXX via my Capital One 360 checking account to send {$30.00} to XXXX XXXX for goods I never received. He vanished and there's no way for me to contact him ; I was scammed. I contacted Capital One in an attempt to get the {$30.00} back, but they were of no help. This is the message Capital One sent to my e-mail : XXXX Re : Claim # XXXX We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. You can still try to resolve this directly with the merchant ( s ). ************
Company Response: Closed with explanation

Timely Response

2019-08-13

CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Starting XX/XX/XXXX, I have been recieving phone calls from Capital One ( as they stated ) asking for XXXX. I have now four times, advised that this is NOT XXXX phone, they are still constantly calling. They have also called multiple times within an hour. All of which is against CFPB standards. I have been called Three times alone today, Two of the calls I answered and AGAIN stated this is not XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-13

Glenmont, OH

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Complaint: I voluntarily surrendered my XXXX XXXX XXXX to Capital One, the vehicle sold and my account was immediately sent to collections. Once the collection agency acquired the account I settled with them for a lesser amount. The credit file indicates there is still an amount owed to Capital One and it's not indicating that the account was settled. The credit agencies show it is past due. I filed a dispute and Captal One Indicated that its report was correct. It is not and it needs to be changed to reflect the settlement and the notes need updated that it was paid as less than what was owed to be reporting accurately.
Company Response: Closed with explanation

Timely Response

2019-08-13

Bargaintown, NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-08-13

Houston, TX

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-08-13

PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.
Company Response: Closed with explanation

Timely Response

2019-08-13

Syringa, VA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: SUMMARY : Actions by Capital One caused me to lose out on a XXXX XXXX offer of a 0 % interest, {$0.00} fee roll over in the amount of {$2600.00}. The XXXX offer would have been good until the end of XXXX. Capital One listed the check of {$2600.00} from XXXX as received on XX/XX/XXXX but as of XX/XX/XXXX had not cashed the check. Because Capital One delayed in cashing the check, XXXX issued a stop payment and by that time the roll over offered had expired. Further, Capital One employees offered conflicting explanations with no answers as to why Capital One did not cash the check from XXXX XXXX in a timely fashion. I want Capital One to make good some sort of 0 % interest, {$0.00} fee offer similar to the one I lost out on from XXXX XXXX. DETAILS : On XX/XX/XXXX, I applied for a 0 %, {$0.00} fee balance transfer offer from XXXX XXXX. I applied to roll over a balance of {$2600.00} from my Capital One credit card. XX/XX/XXXX online at my Capital One credit card account and there was a note on the account that a check/payment of {$2600.00} had been in process '' since XX/XX/XXXX ( 20 days ). I have a screen shot of my account on this date that includes the note with dates. XX/XX/XXXX at XXXX p.m. I called Capital One and spoke with XXXX. After about 45 minutes on hold, XXXX said : 1 ) Capital One saw the pending payment, but ; 2 ) did not know why payment had not been released to my account ; 3 ) the payment may have been made to another account, and ; 4 ) She would call me back. At XXXX XXXX, XXXX called back and said my account was being credited with the {$2600.00} while Capital One researched the matter. XX/XX/XXXX, I received a letter from Capital One stating that XXXX XXXX issued a stop payment on the roll over check. I called XXXX, and they told me that the roll over was stopped because the check had not been cashed by Capital One within the XXXX time frame. XX/XX/XXXX, I looked at my Capital One online account. I saw the credit to my account on XX/XX/XXXX for {$2600.00} along with an interest adjustment. Subsequently, on XX/XX/XXXX, Capital One took the credit back and placed a charge on my account for {$2600.00}, THEN A SECOND CHARGE for the same amount on XX/XX/XXXX. I was also charged interest on these dates. The initial XX/XX/XXXX credit has now been charged twice, once on XX/XX/XXXX and again on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, I called Capital One and spoke with a manager named XXXX. First, he lectured me and said that Capital One would never have held on to a check for 20 days ( XX/XX/XXXX to XXXX ). Paraphrasing, he said, we are in the business of cashing checks, not holding onto them. XXXX also told me that Capital One should not have credited my account and should never have researched the problem on XX/XX/XXXX, and that XXXX should not have told me well, I am not clear on what XXXX should not have told me. Then, he started going over my account line by line and the call dropped, or he hung up. I wait a few minutes, but he did not call me back. XX/XX/XXXX, I call AGAIN at XXXX XXXX and end up with a manager named XXXX. We were on the phone until XXXX XXXX. The summary is that XXXX could not explain why I had one credit for {$2600.00} and two charges for {$2600.00}, along with interest charges. He told me there were no other supervisors for me to speak to. Further, XXXX informed me that he himself did not report to a supervisor. He explained that I have to take his word for it that the account was accurate, or, I could call back and speak with someone else. Of course, he had no explanation for why Capital One sat on a check for 20 days and caused me to lose out on a 0 % balance transfer that would have been good for about a year and a half.
Company Response: Closed with explanation

Timely Response

2019-08-13

Jamaica, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-08-13

Billings, MT

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2019-08-13

TX

Unexpected or other fees

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Complaint: An XXXX was purchase with my card, but I was at work at this time and point so I don't understand why I was changed with that. I've never even used an XXXX. Don't understanf why there was so many fees added to the bill. What these fees are for
Company Response: Closed with explanation

Timely Response

2019-08-13

Mount Vernon, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-13

Adelanto, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-08-13

Seattle, WA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-08-13

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail with FTC complaint attached. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : CAPITAL ONE, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00}. Date Opened XX/XX/XXXX. Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act.
Company Response: Closed with explanation

Timely Response

2019-08-13

Marietta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-08-13

Mc Farland, WI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, Capital One acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, Capital One did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided Capital One with the requested information however, they have not updated my credit report, as they indicated they would.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-13

Carrollton, LA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-08-13

Royal Palm Beach, FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-08-13

Harrisville, UT

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Company Response: Closed with explanation

Timely Response

2019-08-13

MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-13

West Brandywine, PA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I was never late!
Company Response: Closed with explanation

Timely Response

2019-08-13

Phoenix, AZ

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Sent card you never applied for
Company Response: Closed with explanation

Timely Response