CAPITAL ONE FINANCIAL CORPORATION

2019-07-30

Jupiter, FL

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-30

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XX/XX/2017 Original Creditor Capital One Bank collection agency XXXX XXXX. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX and yet the account remains on my credit file. With the latest news of Capital One data breach this further backs my complaint. Please advise this collection account be removed immediately.
Company Response: Closed with explanation

Timely Response

2019-07-30

East Rockaway, NY

Other features, terms, or problems

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

Privacy issues
Complaint: Major Security Breach .... Capital One! Lost of any trust and belief in COs ability to control access and release of my personal information.
Company Response: Closed with explanation

Timely Response

2019-07-30

Coral Springs, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-30

Ft Lauderdale, FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: Security breach/privacy information not protected by Capital one ... I am asking the acct ending in XXXX and XXXX my personal capital one cards that are close because I suspected strange activity and capital one did nothing. When I called around the time the government shutdown they refused to do anything about my concerns, so I closed the accounts. Due to the large security breach I am a victim I know my social security number and information was hacked I get calls and i feel they did not protect my personal Information now I have all these strange things happening to my life. I want both personal capital one accts removed acct XXXX and XXXX from all 3 credit bureaus in lieu of me filing a case with a lawyer regarding my personal information being compromised and not protected by Capital one. The amounts of XXXX from acct XXXX plus acct XXXX balance XXXX I would like for both closed account to be remove due to this breach and incorrect balances on my credit file.
Company Response: Closed with explanation

Timely Response

2019-07-30

San Diego, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I contacted all creditors in this Matter Capital One Bank and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with Caapital One and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Company Response: Closed with explanation

Timely Response

2019-07-30

Tarzana, CA

Other features, terms, or problems

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

Privacy issues
Complaint: Capital One has leaked my information out as well as thousands of others just like me. I have a very special need for privacy with my financial information. I am disappointed by this act of complete carelessness with respect to the responsibility of my sensitive information. I am receiving all kinds of notices from my identity monitoring service since the news broke about this breach of data my information is appearing all over the dark web. I am requesting that Capital One contact my attorney right away to discuss a resolution to this matter as I am now represented. Do not call me communicate in writing only. I also have ACTUAL damages.
Company Response: Closed with explanation

Timely Response

2019-07-30

Salton City, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-30

Miami, FL

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-07-30

Chaplin, CT

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have been trying to get XXXX to correct the incorrect information on my report since XXXX. XXXX stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE XXXX REPORT -- NOT ON ANY OTHER REPORT. IN ADDITION -- THE ERROR MADE INDICATED I HAD A CAPITOL ONE CHARGE CARD WITH OUTSTANDING BALANCES. I DO NOT NOR EVER HAD A CAPITOL ONE CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF CAPITOL ONE CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. AND XXXX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. PLEASE ADD THE CAPITOL ONE INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME XXXX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.
Company Response: Closed with explanation

Timely Response

2019-07-30

Conyers, GA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-07-30

Coral Springs, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-30

Chicago, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-30

NY

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 spoke to Capitol One on XX/XX/2019 to make arrangements to close my card and pay off the balance. I was told at the time that any transactions from that point, XX/XX/2019, would be declined. At that time, in good faith, I set up an monthly autowithdrawal from my bank account to pay off this card in approximately 1 year. In checking my statement today, I see 5 charges of {$55.00} each from a school music instrument rental company called XXXX XXXX XXXX ). This company must have had my credit card number from a previous transaction and withdrew these charges without my knowledge or consent from this card that I thought was closed. The Capitol One representitive I talked to today told me my account was not closed on XX/XX/XXXX although I am 100 % positive that I was told it would be. The Capitol One representitive I spoke to today was completely unhelpful, saying there was nothing she could do and would not allow me to dispute those charges. I am desperate to close out this high interest card and am irrate that charges were continually added to it when I was told it was closed.
Company Response: Closed with monetary relief

Timely Response

2019-07-30

Lakewood, NJ

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-07-29

Baltimore, MD

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-07-29

NY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: My issue is with my Capital One Venture credit card, which I have had for a long time. I have been an excellent customer with no late payments and paying my bill in full every single month, and additionally paying an annual fee for the rewards benefit. Very quietly and underhandedly, at some point earlier this year Capital One changed the redemption value of miles for gift cards in their rewards program making the miles of 25 % less value toward gift card redemption. Ever since I had the card, the value was XXXX miles per {$100.00} gift card. That was always the redemption rate. Recently I went in to redeem for a {$100.00} XXXX gift card and noticed that the miles required for a {$100.00} gift card shot up to XXXX miles, making my miles 25 % less valuable. I have been accruing these miles for years, paying my annual fee, and paying my bill in full ( never, ever late ) in order to save up miles for a very specific purpose of redeeming them for hotel gift cards. I do NOT want a statement credit. I want the value of the miles that I have accrued in relation to what I agreed to when I got the card - XXXX miles per {$100.00} in gift cards. I have checked my email back to XXXX and there was no notification of this change whatsoever, and I log into my account regularly to check balances and likewise there was absolutely NO notification of this change whatsoever. I was told it supposedly happened in XXXX from one of the reps I spoke with. I log into my account ALL the time and there was no notification of this change. If I had known of the change, I would have had an opportunity to redeem my miles for what they are actually worth before the change. I never had this opportunity. And OF COURSE they kept this quite so as to avoid just that. That is deceptive, nefarious, and non-transparent business practices. I have emailed and called the company repeatedly to get this resolved to no avail, which is truly disgraceful. I am owed XXXX miles, 25 % of my current earned miles, to make up for this unknown decrease in value so that I may redeem them for the worth that they were originally for. This is the only acceptable remedy to make my miles worth the value I agreed to in the original terms - I UNEQUIVOCALLY DID NOT AGREE TO THIS CHANGE IN TERMS AS I WAS NEVER NOTIFIED OF IT.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-29

Tarzana, CA

Fees or interest

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

Problem with fees
Complaint: i was charged {$10.00} for a charged that was reversed by the merchant. this is outrageous.
Company Response: Closed with monetary relief

Timely Response

2019-07-29

Tarzana, CA

Problem when making payments

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

Problem during payment process
Complaint: i have been making payments on my account with the maximum allowable amount. Capital One keep on holding funds even though it has been debited on my checking accounts from XXXX and XXXX. I don't understand why the hassle of having to call my bank to verify things. they always release it before why the hassles on my payments? it is like I am begging for my payments.
Company Response: Closed with explanation

Timely Response

2019-07-29

Rancho California, CA

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-07-29

Lancaster, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-07-29

Forest Hill, VA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-29

Phila, PA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-07-29

Beachwood, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-29

Oxford, GA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response