CAPITAL ONE FINANCIAL CORPORATION

2019-07-12

Houma, 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

2019-07-12

Warren, RI

Incorrect information on your report

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

Public record information inaccurate
Complaint: We did not even file Chapter XXXX- There is another person with my name that did and it was filed under me instead of them. Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XX/XX/2014 so now it shows we filed that as well as chapter XXXX when I didn't! Was working to fix my credit and working hard on it! Now it's showing that and not allowing me to pay and show my credit cards!
Company Response: Closed with explanation

Timely Response

2019-07-12

MI

Trouble using your card

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

Can't use card to make purchases
Complaint: Called capital one on XXXX XXXX XXXX XXXXcustomer services rep XXXX refuse to transfer me doing my last contact with capital one on XXXX XXXX Capital one keeps freezing my card asking me to verify my identity. I have repeatedly done this starting in 2018. The harrassment of the company is out of hand I keep proving identity AND THERE SYSTEM WILL RELEASE THEN FREEZE MY ACCT again the keep stating the patriot act but my identity has been proven over and over this is turning into harrassment. I have had capital one card more then 3 years.
Company Response: Closed with explanation

Timely Response

2019-07-11

Hawthorne, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-11

Mc Kinney, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-07-11

Jamaica, NY

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-11

San Francisco, CA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: My fiance and I decided to jointly open a credit card account. We knew we had big expenses coming up due to an upcoming wedding and figured it'd be a great time to jointly open a new card. Our research showed that the Venture card came highly rated from various personal finance blogs we love, including XXXX XXXX XXXX, XXXXt, XXXX, and XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, we applied for and were approved for the Capital One Venture Card. Various articles and Capital One marketing materials we referred to at the time, indicated that we'd be eligible for XXXX bonus miles once we spend {$3000.00} on purchases within the first 3 months. We ended up spending a little over {$4300.00} during the first 3 months. However, we recently noticed that we had never received the bonus miles. Upon contacting Capital One and going back to the fine print in the registration email, we realized that the deal we actually signed up for required us to spend {$5000.00} within the first 3 months, a number we just don't recall seeing on any marketing materials. We went on XXXX XXXX to verify what the rewards bonus was at the time we signed up but could only see a placeholder macro { { ESB_AMOUNT } } in place of a specific spending minimum. This only strengthens our suspicion that Capital One frequently changes eligible minimum spending and leaves consumers confused on the deal they had signed up for. For your reference, the minimum eligible spending as of today ( XX/XX/XXXX ) is now somehow back to {$3000.00}. We spoke to two different Capital One customer agents ( XXXX and XXXX ) over the phone, who were very firm in denying our claim. Not getting our bonus miles isn't the end of the world, of course. But something just doesn't sit right. If we were gullible enough, there may be other readers who may have fallen into a similar trap. Furthermore, we wonder if other credit card companies also employ similar misleading tactics to lure in consumers. At best, they'd be left feeling short-changed like us ; at worst, they would be in debt they incurred to meet the minimum spending, without the bonus rewards to offset the cost. I'd be happy to share more information as the investigation requires. Thank you so much for considering.
Company Response: Closed with explanation

Timely Response

2019-07-11

Mc Kinney, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-07-11

Burien, WA

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

2019-07-11

Bartonville, IL

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2019-07-11

Winton, CA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: I had a Capital one card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the capital one and total visa cards. I set up another payment plan for the discover card.
Company Response: Closed with explanation

Timely Response

2019-07-11

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

2019-07-11

Trenton, NJ

Fees or interest

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

Problem with fees
Complaint: I was charged a cash advance fee for a transaction that I didn't approve. I immediately contacted the company ( Capital One ) and spent over an hour on the phone with them. I was told that I was unable to either receive the transaction itself credited back, or the cash advance fee.
Company Response: Closed with monetary relief

Timely Response

2019-07-11

Bakersfield, 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: 7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX XXXX XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX Capital one Bank- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-11

Tibbs, MS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This is not my account I want it to be removed.
Company Response: Closed with explanation

Timely Response

2019-07-11

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

2019-07-11

Sarasota, FL

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

2019-07-11

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: CAPITAL ONE- From XXXX, XXXX to XXXX, XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XXXX and rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX from XXXX, XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XXXX, XXXX, they only reversed the charges beginning in XXXX, XXXX totaling {$2400.00}! My credit card was maxed from XXXX, XXXX to XXXX, XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on CAPITAL ONE!
Company Response: Closed with explanation

Timely Response

2019-07-11

OH

Other features, terms, or problems

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

Other problem
Complaint: I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Im followed everywhere By alleged neighbors, strangers etc Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally implanted in XXXX with stentrode implants for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to Now im having problems with capital one I have been a customer with them since XX/XX/XXXX And i have my XXXX bank account linked to pay my account. On XX/XX/XXXX i applied for another credit card with them i have been drastically trying to rebuild my credit, since its been destroyed. About week or two later i received letter from capital one requesting documents so they could continue processing my application. I then got the documents they asked for and went online, and faxed them. On XX/XX/XXXX Is, when i faxed the documents to capital one customer care team. To XXXX XXXX XXXX at XXXX XXXX eastern 1 cover sheet 1 page attached documents Then faxed again XXXX XXXX eastern XX/XX/XXXX Received email From capital one At XXXX XXXX Saying congratulations Your approved for XXXX $ I received my credit card Activated it Linked it to my other capital one account and my XXXX bank account And then received letter saying they froze my account For concerns around potential fraud. I have faxed my documents again and, again They are saying they never received them Including the very 1st time i sent them So they can process my application So now im contacting you Like penfed But this time im not waiting 8 months
Company Response: Closed with explanation

Timely Response

2019-07-11

Bel Alton, MD

Incorrect information on your report

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

Information belongs to someone else
Complaint: My girlfriend applied for a capital one credit card and added my name to her application without my consent. I had no knowledge of this card until an alert was posted on my credit report. I do not use that card and it should not be on my credit report.
Company Response: Closed with explanation

Timely Response

2019-07-11

Key Biscayne, FL

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: Called Capital one XX/XX/2019 they called me back XX/XX/2019 not resolved. Step 1 : What is this complaint about? This complaint is about Capital One Promotional Credit Cards Offering additional Bonus of {$150.00} to {$500.00} Dollars after using {$500.00} to {$1500.00} with the new credit card with in the first 90 days. They offer you the promotion on one web page and when you apply apparently it takes you to another location where you are pre-qualified and without your immediate knowledge you continue the process thinking you will be receiving this bonus and it turns out that when the page switches you no longer qualify for the bonus. Or this is what was explained to me. Regardless this is deceptive and should be unlawful Step 2 : What type of problem are you having? Deceptive tactics being used to lure clients and prospects to apply to new credit cards and the company is getting away without fulfilling their initial commitment. Step 3 : What happened? I was lured by a promotion on a capital one web page and applied, got approved and some were in the process the promotion diapered and capital one is not responding for their maul practice. Step 4 : What company is this complaint about? Capital One Step 5 : Who are the people involved? My Self, XXXX XXXX, My wife XXXX XXXX XXXX XXXX, and Capital One.
Company Response: Closed with monetary relief

Timely Response

2019-07-11

Mc Kinney, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-07-11

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

2019-07-11

Palm Bch Gdns, 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 explanation

Timely Response

2019-07-11

Chester, NY

Problem when making payments

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

Problem during payment process
Complaint: I have an account with Kohls/Capital one card which I have always had an outstanding payment history with them. In XXXX 2019 I went into the Kohls store located in XXXX NY to make a payment. They assured me all was well with the payment. it will post the day I paid which was prior to the due date. In fact that is not what happened they seemed to have had technical computer issues and never posted the payment. As soon as I was made aware of this issue I resolved it immediately. I also never received a notice in the mail in regards to my account getting a 30 day late which they are required to send.
Company Response: Closed with explanation

Timely Response