CAPITAL ONE FINANCIAL CORPORATION
Consumer Complaints
There are over 39408 complaints on file for CAPITAL ONE FINANCIAL CORPORATION. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 123
2019-07-25
Jackson, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-07-25
Annapolis, MD
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I'm beginning to realize the CFPB is of no real help.
Capital One continues to lie to you, and you accept it and close the complaint down.
This time they actually added stuff about some sort of veterans information needed and my active duty status.
I was in the XXXX XXXX, two years XXXX and 4 years inactive, back in the early 1970 's.
I have perfect credit. They are just descriminating against me because of my age.
because I can't figure out any legitmate reason for their actions.
I found out that XXXX XXXX XXXX has the same product. I went to the local branch and they approved me 10 minutes.
This has dragged out for months now. It's a shame how Capital One is making you look pretty foolish.
You asked if I was a veteran. All of a sudden they put in on my credit application as if I wanted it to be considered. I never wanted it to be considered.
Company Response: Closed with explanation
2019-07-25
Manassas, VA
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
2019-07-24
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: My friend who banks with XXXX XXXX Accidentally sent me money thru XXXX CHECKING ) She sent me her rent money in the amount {$500.00}, My account was in the negative. I submitted a claim so they can return her money and she even attempted thru her bank and they refused to return the money to her account. I am beyond disappointed with CAPITAL ONE.
Company Response: Closed with explanation
2019-07-24
ME
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through Capital One, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Company Response: Closed with explanation
2019-07-24
West Helena, AR
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-24
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with explanation
2019-07-24
TX
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: On XX/XX/XXXX my credit card was handed to the cashier at the XXXX XXXX XXXX XXXX restaurant drive in. The card was used without my permission for two additional transactions to XXXX*XXXX XXXX XXXX XXXX XXXX. The valid transaction was for {$9.00}. The charge for {$400.00} to XXXX XXXX XXXX XXXX XXXX was not authorized. The charge for {$390.00} to XXXX XXXX XXXX XXXX XXXX was not authorized.
I received a text on my phone from Capital One asking me if the two large transactions were valid. I told them NO, that I did not authorize the transaction for {$400.00} or the one for {$390.00}. Capital One credited my card for both transactions on XX/XX/XXXX. Then on XX/XX/XXXX, Capital One rebilled my account for these amounts. They said because the chip was read, the charge was valid. The 'fraud investigator ' said there is nothing they can do, I should go to the police.
Company Response: Closed with explanation
2019-07-24
Atlanta, 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
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have been a Capital One customer since 2016 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XX/XX/2016. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs.
Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing these marks from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with Capital One. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.
Company Response: Closed with explanation
2019-07-24
Simi Valley, 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
Complaint: On XX/XX/XXXX I sent a letter to Capital One Auto Finance ( XXXX XXXX XXXX XXXX, TX XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One Auto Finance to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.
They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Company Response: Closed with explanation
2019-07-24
Bellevue, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said they did not know why but it looked like my XXXX payment had not gone through. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I still have this account and had plenty of money in the account at the time. Capital one could not give me a reason why the payment did not go through. I called XXXX XXXX to see what happened on my banks end. They said it was capital ones fault.
Company Response: Closed with explanation
2019-07-24
CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-07-24
Keytesville, MO
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
Complaint: Complaint against XXXX XXXX, XXXX and her organization The ACMSS, and Capital One Visa.
Screenshots included in PDF form with attachments.
Timeline of events regarding my complaint against XXXX XXXX XXXX and her organization The XXXX, as well as a complaint against Capital One Visa credit card company.
In XXXX I started the process to obtain certification for XXXX XXXX through the XXXX.
Yearly renewal fee stated : {$85.00} per year.
Other documentation needed for renewal : Proof of continuing education which had to be provided to The ACMSS.
XXXX : The XXXX used the card I had utilized in XXXX and charges my card automatically for {$85.00}. I did not submit any proof of continuing education. Yet, the renewed my certification. I assumed the documents from XXXX training were still valid.
XXXX The XXXX charges my card again {$85.00} for XXXX XXXX XXXX. Again, I have not submitted any proof of continuing education. This time, I email them and ask them to please remove my card from their system. I told them if I wanted to renew, I would do so manually. They send me an email and confirm that they will fulfill my request to remove my card and not save my cards for any future charges unless I ask them to run it.
XXXX I renewed the XXXX XXXX certification by phone. Again, they still did not ask for my yearly proof of education. At this point, I am getting a weird feeling about them. It was hard to really doubt them because even XXXX XXXX has them listed on their website. Therefore, I assumed they were a valid and legitimate organization.
XXXX This is where the problem really gets serious.
XXXX I received an email from Capital One visa telling me a transaction for {$1200.00} was declined because I did not have enough credit.
The same morning of XX/XX/XXXX, I called Capital One and spoke to an agent. I explained to her that I did not know who the merchant was and I certainly did not authorize {$1200.00} to be processed. I asked the agent at Capital One to please do everything we need to in order to prevent this company from trying to charge my credit card. The agent tells me that all they need to do is issue a new credit card number. I asked specifically to her if we needed to close the account or put a block/alert on this merchant. She assures me nothing else needs to be done because the merchant does not have my actual account number, only my card number. At this point, although I thought they were the same thing, she was so sure of herself that I believed her.
During our conversation, I also asked her if there was a phone number for this merchant. She provided me with the number XXXX.
I called the number provided of XXXX and it was an answering service. They asked me how many licenses I wanted to purchase. I said I do not want to purchase anything, I want to know why you are trying to charge my card {$1200.00}. The woman informed me they were just an answering system. She asked for my name, phone number and the reason for my call so she could send the message. At this point, I am very uncomfortable with them as I do not know who they are. I tell her I want to know who this company is. All she said she could give me is their website. Which she said it was XXXX XXXX XXXX XXXX I decided to navigate the website provided and after some digging around, I realized it was linked to The XXXX. I called their phone number again and this time I left my name and number and asked for a callback.
Continuing on XX/XX/XXXX, after my credit card declined the transaction due to not enough credit. I received an email from The XXXX to my work email. They are sending me an invoice for {$400.00} I ignored the invoice as I had already been assured by the Capital One agent that The XXXX would not be able to process a transaction again.
XXXX At this point, I still have not received a callback or an email back from The XXXX. I have done both, emailed them and called them. By now, I have also received my new credit card as well as it has been activated and my bill paid off.
Continuing on XXXX I receive an alert that a transaction for {$1200.00} has been made on my Capital One account. See screenshot below. The merchant is listed as XXXX College of XXXX at yet another address ( see image ). Then it says that it will appear on my statement as XXXX College of XXXX. The phone number is for The XXXX
I click on their Report a problem and Capital One asks me to call them. I contacted them and they tell me there is nothing they can do until the transaction finalizes. The link to call this vendor gives me a different number of XXXX. The link on the screenshot that says XXXX College of XXXX Website That link takes me to an " XXXX XXXX XXXX '' Lawyers in the XXXX XXXX. See screenshot in PDF version of this statement.
Continuing on XXXX I once again contact XXXX XXXX and her company to once again get their answering service. I leave another message. I send them more emails, no response.
XXXX The {$1200.00} charge finalizes processing through my credit card account. I call Capital One again and I ask them to file a dispute. They asked me not to send any documentation unless they asked. They tell me they will look into it. I follow up with them a few weeks later and they tell me the merchant still has time to respond.
XXXX I received voicemail from a Capital One agent asking for me to call them back. The number on the caller ID shows as unknown, but he leaves a phone number as well as an extension number that I could not make up. I called the general phone number and they put me through the dispute department. The agent then asked me to submit documentation. He sends me a link and I send everything I have on hand. However, he was very vague with his request by saying to just upload documentation, he did not ask for specifics or said that the merchant had refused to refund the money. XXXX was a Friday and I did not have the time to submit them right there and then.
XX/XX/XXXX Capital One must have overnighted it a packet with a letter saying they were closing my case because the merchant had already responded. Note that I had just talked to Capital One on XXXX and they requested documentation. I had not even had a full business working to submit it. Now, this packet ( Copy enclosed ) had documentation The XXXX had submitted to them. As you can see, it is a screenshot of their website where supposedly all clients mark a checkbox. Remember that I had asked them to not keep my cards on file and they responded with affirmation they would remove it. When I paid over the phone, I obviously did not check a box. I never signed a contract with them either, although they say everyone signs a contract.
XXXX First thing in the morning, I use the link Capital One emailed me and I upload several documents along with a statement asking them to keep dispute open. Within a very short period of time, I received a call from Capital one and their agent tells me they are closing the dispute. I requested to speak to someone else. I then spoke to XXXX with employee ID XXXX in XXXX, VA. He tells me there is nothing they can do. Basically, it is my fault because I once provided this merchant with my credit card information. I spent one hour and twenty-five minutes on the phone with him, he decides to be helpful and send it to someone else for review. He also told me that XXXX XXXX and her organization probably pay VISA for a preferred service which includes VISA giving the merchant new card numbers. This is supposedly how XXXX XXXX and her company got a hold of my new credit card number.
Now, in the midst of all of this, I check my Capital one account and realized that on XX/XX/XXXX, the same they asked me to submit documentation, Capital One had already put the {$1200.00} charges back on my account.
I then, make the decision that I will email XXXX XXXX and her organization daily.
XXXX No returned calls from Capital One or The XXXX/ XXXX XXXX . I send XXXX XXXX emails at 3 different address I found. You will see this in the copy of the emails I will be attaching.
I also file my second complaint with the XXXX XXXX XXXX. I also received a notification from the previous complaint I filed. They tell me that the merchant responded ( same answer they gave Capital One ) and there is nothing they can do so they wont reopen my first complaint. They suggested taking them to small claims court. ( See email ) attached.
XX/XX/XXXX I email XXXX XXXX and her team again at 3 different emails.
@ XXXX I received an incoming call from a number XXXX, a Texas number. I am in the middle of my workday and cant answer the call at this time. I did look up the number on XXXX and discover the number is associated with XXXX sales department. They did not leave a voicemail.
XXXX @ XXXX XXXX I called the number that called me on XX/XX/XXXX, XXXX. A XXXX XXXX answers the phone. I tell her who I am and that I had missed a call from this number. She tells me that they will cancel my account and that it was approved on XX/XX/XXXX. Now, she kept saying canceling the account vs refunding me the money. I specifically asked her to verbalize a statement saying they are refunding me the {$1200.00}. She does so. I told her that no one has contacted me in any way or form to notify me of this. I asked her to send me an email with this information to have as a confirmation. She refuses to do so and tells me that they dont do that. She tells me I will just have to wait 4-6 weeks. At this point, on XX/XX/XXXX, XXXX with Capital One had told me The XXXX had already refused to refund the money twice.
XXXX XXXX I called XXXX with Capital One. He is not available so XXXX tells me he will call me back. In the meantime, she tells me to upload a statement with details of my conversation with XXXX XXXX. I do so per her link provided.
XXXX XXXX I have a missed call from XXXX with Capital one.
XXXX XXXX I called XXXX back and XXXX leaves him a message to call me back.
XXXX XXXX XXXX with Capital One calls me back. He tells me he has bad news and as per our conversation from XX/XX/XXXX there is nothing they can do and the dispute will be closed. I asked him if he had even looked at the documentation I had uploaded. He tells me no. I told him about my conversation with XXXX XXXX. He says he doesnt understand because refunds have been denied and they wont answer their phones. He also tells me Visa gives them 15 days to refund the money and the time is almost up counting back from XX/XX/XXXX as stated by XXXX XXXX. He tells me he will try to call them and puts me on hold. He gets back and says he has tried several times but keep getting a message saying she is on the other line. He tells me he will keep trying and will call me back once he hears something back.
XX/XX/XXXX at XXXX XXXX Capital One calls me. Again they tell me there is nothing they can do. I insist I do not want to close the dispute and I want to get to the bottom of this. XXXX still is not able to get a hold of merchant.
Sent another email to XXXX XXXX and her team. No response.
XXXX I received another letter from Capital One saying based on documentation submitted by XXXX XXXX and The XXXX, there is resolution and no refund is made. They tell me to send them a letter if I want to keep the dispute going. Letter from Capital One dated XX/XX/XXXX and tells me the documentation I sent them is not what they requested ( remember they did not ask anything in specific so I sent everything I had ). They really want to close the case.
Sent another email to XXXX XXXX and her team. No response.
No call back from XXXX at Capital One to update me on the status of contacting this XXXX XXXX.
XXXX @ XXXX XXXX I send another email to XXXX XXXX and her team. No response.
No callbacks from Capital One on this day either.
XX/XX/XXXX I still have not heard back from XXXX with Capital One or from XXXX XXXX / The XXXX.
I send Capital One a statement typed telling them I want to keep the dispute open. I also send documentation again with remarks on the enclosed merchant response they included. I used their link to upload it, I faxed a second copy at the number they requested of XXXX. Their phone number for Transaction Support Center XXXX. Then, I also mailed the 3rd copy to their address listed on the letter, with tracking which arrived XX/XX/XXXX.
Emailed XXXX XXXX and her team at more addresses found. No response.
XX/XX/XXXX - No calls backs or email responses from Capital One or XXXX XXXX. At this point, Ive given XXXX with Capital One a few days to try and get a hold of XXXX XXXX with XXXX XXXX and her XXXX organization. I called XXXX in the afternoon, he is not available. He calls me back and tells me he has been trying to call XXXX XXXX 2-3 times a day and no response. Now there is a different voicemail with a different voice. He tells me he has even asked them on the voicemail to provide me with a refund receipt. XXXX tells me he will continue to call them.
XX/XX/XXXX No calls backs or email responses from the merchant or Capital One.
Emailed XXXX XXXX at various email addresses. No response.
XX/XX/XXXX I email XXXX XXXX and her organization again. No response.
Missed call from Capital One - XXXX.
XX/XX/XXXX : I returned a call to XXXX with Capital One. They tell me he will call me back.
@ XXXX XXXX Mark with Capital one calls me and says he was able to speak to XXXX XXXX with XXXX XXXX and The XXXX. She tells him that she never told me I would get a refund ( which was my concern when she told me I WOULD get a refund, hence I recorded the conversation ). XXXX XXXX tells XXXX with Capital One that I agreed to a license of {$400.00}. The rates went up from {$85.00}, she says. I brought up the fact that I was charged {$1200.00}. XXXX tells me that he asked about that and XXXX XXXX told him that I signed up other people for licenses. Which I never did. I never authorized the charges, to begin with. They refuse to provide documentation to XXXX. XXXX tells me he cant force them to. At this time, I will be getting interests charged on this balance, I have used a lot of my time between phone calls, emails, filing complaints, reports, etc. XXXX with Capital One tells me there is absolutely nothing they can do now.
@ XXXX XXXX I contacted XXXX XXXX XXXX department in CA at XXXX dispatch told me I need to go through my local law enforcement.
XXXX XXXX and her company have not returned my messages still.
In short, XXXX XXXX and her organization have several complaint reports on the better Business Bureau. Mine is not even listed on there for some reason, so there must be more than it shows. They are renewing licenses based on credit card information previously obtained and somehow obtaining new credit card numbers. Their yearly renewal fee has always been {$85.00} but people are somehow getting charges of hundreds of dollars. They wont return calls and they have provided capital One with nothing that shows I agreed to pay {$1200.00}.
Capital One has been careless even with the documentation I submitted. Agents had no idea of what I was talking about when I would point out a specific document. It is like they were not even trying. The dispute was closed and charges put back in my account on the same day the first request for documentation was requested from me before I had even had the chance to submit documentation. They tell me it is my fault since I provided them once upon a time a credit card number. They tell me there is nothing they can do, they cant just take the money back. Yet, they also tell me they cant speak to the merchant, but the documentation the merchant sent is sufficient. The documentation the merchant sent has no documentation with my name on it or my signature. Capital One is not only accepting this as proof that I agreed to something, but they are also conveniently being careless with the review of documents I submitted.
I have provided them with a history of previous payments from previous years where the fee was {$85.00}. I provided them with the invoice of {$400.00} The XXXX sent me after their first attempt to charge me failed due to not enough credit. Yet they charged my card a second time for {$1200.00}. An obvious red flag.
Not to mention, I contacted both, Capital One and the merchant first time it happened. The very own Capital One agent assured me changing my card number would save me from this headache. Capital One now refuses to take accountability for not taking the necessary actions to protect me as their client. To make matters worse, they are not taking documentation I am sending seriously, and overlooking my documents.
Upon reading other complaint reports on this merchant, some people mention how their credit card blocked the transaction because it was suspicious. So if other cards did this, why is Capital One being so unhelpful? They say it is a Visa policy.
There is a lot more to this story in regards to the merchant. Such as discrepancies in their own email statements regarding refunds and what not. I will be submitting several documents with annotations on them to point out things listed on this statement.
I appreciate any assistance I can get. I have filed complaint reports with various institutions against XXXX XXXX and The XXXX but keep hitting walls. All these organizations receive the complaint but tell me there is really nothing they can do, they will file the complaint for records. This is not only about the merchant, but about Capital One and Visa as well. I am incredibly disappointed with how they are handling this situation. They have been so careless with my situation, even though I contacted them from the very beginning and have been in constant touch with them, as opposed to the merchant that wont even return their calls. The agent XXXX did say he would file a report/ complaint with visa about this merchant. Still, that does not help me directly.
In addition, I have recently discovered that she has this license even listed on XXXX. See attached pictures.
I will continue to gather all documentation I find, as well as continue to contact XXXX XXXX and The XXXX.
Sincerely, Their phone numbers found : XXXX XXXX XXXX XXXX Emails found for XXXX XXXX and The XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX PO BOX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Their websites : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with monetary relief
2019-07-24
Norwalk, CA
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: Someone else had access to my new credit card and made almost XXXX in charges, then made a fraudulent check of almost XXXX towards this account, I contacted Capital One Fraud Department several times account manager and nothing was ever resolved. I received a letter from Capital One that this issue had been resolved, yet that was for their own protection, it never was.
I have file a consumer affidavit with the FTC along with a police report and since then I have closed my Capital One account, since they made the mistake of reporting this to the credit bureau stating that I had utilized {$30000.00} in credit card charges.
Company Response: Closed with non-monetary relief
2019-07-24
Katonah, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-07-24
Murrieta, 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
2019-07-24
Simi Valley, 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
Complaint: On XX/XX/XXXX I sent a letter to Capital One NA ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One NA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.
They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Company Response: Closed with non-monetary relief
2019-07-24
Brooklyn, NY
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
Complaint: Let me begin by stating that I have been a member of Capital One since XXXX and am a satisfied member, however Capital One is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Capital One to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago.
I only have one credit card with Capital One that was issued in XXXX which I still currently have and am happy with.
The unauthorized inquiry was performed in XXXX of XXXX.
In the event Capital One has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Capital One remove this inquiry off my credit files. Otherwise, any verification from Capital One will be deemed hearsay and will be admitting that Capital One is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Company Response: Closed with non-monetary relief
2019-07-24
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I opened a Capital One credit card on XX/XX/2019. This card was then lost and a new card had to be issued. Capital One uses the credit card number for the account number so when the new card was reported to XXXX it showed as a separate account from the original card thus causing the payment history to be double reported. I had missed one payment on the first card but it shows up as having happened on two accounts thus causing my payment on time percentage to be low and lowering my credit score which is causing me a real financial loss as I had to renew a car loan at that time. Additionally Capital one will only correspond by mail about credit reporting issues telling me it could take two and a half months to correct. No other item has to go through the mail with them. This I am sure has happened to many people without them knowing due to the irresponsible practice of using the card number for the account number.
Company Response: Closed with explanation
2019-07-24
Bellevue, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake. They said they had not received payment. I immediately called my bank XXXX XXXX and they said something happened on capital ones end.
Company Response: Closed with explanation
2019-07-24
Hollywood, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-07-24
Dallas, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Old information reappears or never goes away
Company Response: Closed with explanation
2019-07-24
Dartmouth, MA
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
Company Response: Closed with explanation
2019-07-24
Portsmouth, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-07-23
Hamilton, OH
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation