CAPITAL ONE FINANCIAL CORPORATION

2019-07-02

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

Timely Response

2019-07-01

Pittsburgh, PA

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

2019-07-01

Nesconset, NY

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-07-01

Houston, TX

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: i don't recall allowing this credit inquiry.
Company Response: Closed with explanation

Timely Response

2019-07-01

PA

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: Everythingelseiskeepmefromgettinganythingidon'thavenocarortruckornothingevertimeItrytobettermyselfbecauseIreallyreallyreallyneedsomecreditstartedhowcanIwhenIkeepgettingdeniedoneverything??allthebankandfinancialcompanyandcardealershiptelluntruefultellnooneouttherewantedworkwithmebecauseiamonXXXX.XXXXXXXX
Company Response: Closed with explanation

Timely Response

2019-07-01

OR

Confusing or missing disclosures

Money transfer, virtual currency, or money service: Debt settlement

Complaint: XX/XX/19 About a week ago on XX/XX/19 to find a replacement radiator for a XXXX XXXX XXXX XXXX. I went on Advance Auto Parts Website. I put in the information They said I needed a P-30 replacement radiator Part XXXX. Shipping was free and the part was to be about {$110.00}. Never got a bill or credit card receipt. This item showed up last Monday, several days early. Turned out to be the wrong radiator. Had to remove old one, take it to Bend to be repaired and it still isn't done. I contacted Advance Auto Parts by phone, email, and I still had no RMA. It cost me {$66.00} cents to return this wrong part to Advance Auto and I still have no response regarding refunding my money, This appears to be a scam to send wrong parts, then play shipping & return games. I have numerous emails from them and they never supplied a RMA for the wrong parts sent and received when they told me to order a certain part? It is sad to look up the part, order it, receive it, it is wrong, call them and more excuses?
Company Response: Closed with monetary relief

Timely Response

2019-07-01

Chicago, IL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Monroeville, PA

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

2019-07-01

Soquel, CA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: When I was invited to open this account, it says if I deposit XXXX it will give {$500.00} bonus. " {$500.00} bonus you maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period. '' But I never received those bonuses.
Company Response: Closed with explanation

Timely Response

2019-07-01

Nyc, NY

Other features, terms, or problems

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

Problem with cash advances
Complaint: XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX My complaint is re : Capital One. I have 2 business credit card accounts and a history of excellent credit and also a history of using their 0 % balance transfer offers. I received several email offers, multiple, from Capital encouraging me ( on both accounts ) to use their then ( 2 months ago ) current offer of 0 % for 18 months at a 2 % transaction fee. 0 % has been a wonderful tool for my small business. I took advantage of their offer and put {$5500.00} on Capital One, account above. My first statement after borrowing, I owed the minimum of {$55.00} for that month. That was fine and logical. On my next ( XX/XX/2019 ) recent statement, i thought i missed the payment date because i owed much more than the minimum payment on the 0 % offer I had taken advantage of. I rarely miss payments, but I had been sick and thought I made a mistake somehow. I called yesterday ( Sunday ) and spoke with a regular phone person ( XXXX # XXXX ) and then with a supervisor ( XXXX # XXXX ). XXXX, the supervisor, said my transfer was processed as a regular transfer and that I owe interest every month to the tune of approximately 30 %. They said they would need to review the phone call with the original representative and it would take at least 7 - 10 business days ( while incurring further interest!!! ) to look into this and, that they don't call their customers - they could only contact me with their " decision '' by letter. I believe Capital One is entrapping people. i am waiting for their " decision '' but in the interest of safety I have used up almost all my available funds to immediately pay the Capital One Credit card of over {$5500.00}, plus the interest charge of {$140.00}. Because, if for some strange reason, they decided that I changed my complete history of doing business and borrowing them - with the stupidity of putting myself and my business in a 30 % interest position, they i would owe even more interest! Smart on their part, don't you think! This is outrageous. I am very careful about how i utilize my credit and therefore have excellent credit. If, for some reason, I did not properly understand on the original phone call borrowing this money - I know that it was not transparent and in verbiage that would entrap the public. I would not make a mistake like this easily. And I am sure other people, maybe people who have done this for the first time, could easily think they were wrong and they owed this money with interest. it is outrageous that it takes 10 days and only thru a letter, for them to resolve my issue - while still accruing interest! Thank you for your help with this matter.
Company Response: Closed with monetary relief

Timely Response

2019-07-01

Fullerton, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-07-01

Lynn, MA

Fees or interest

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

Charged too much interest
Complaint: Capital one only increase APR but didnt now Lower it. Only lower the APR as promotion for several months. However they lower your APR if you apply for a new credit card. Is like the force the customer to apply for a new product in order to upgrade you apr.
Company Response: Closed with explanation

Timely Response

2019-07-01

Lenola, NJ

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

2019-07-01

Santa Monica, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-01

Norlina, NC

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

Timely Response

2019-07-01

Magnolia, TX

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

2019-07-01

MN

Getting a credit card

Credit card or prepaid card: Store credit card

Sent card you never applied for
Complaint: I was sent an unsolicited Kohl credit card. I had an account several years ago. This card looks like a replacement credit card that even says I have been a member since ... I went online to check my previous credit card account and it said it was closed. THis is a very sneaky way of trying to get someone to open an account they don't want. It reminds me of the activities XXXX XXXX did with their account practices. If it isn't illegal, it should be. I will no longer do business with Kohls.
Company Response: Closed with explanation

Timely Response

2019-07-01

FL

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 am writing to you with the purpose of explaining the request for dispute for the charge of {$790.00} from XXXX on XXXX of this year. I originally signed up for a promotional offer of one month free towards the end of XX/XX/2018 in which they promised me a 40 % share of voice advertising on zip code XXXX, then, by XXXX the calls stopped coming in, when I called them they explained that other realtors bought in the zip code and now my percentage had dropped to 18 % when they had promised that the zip code was locked in and that nobody else would be able to buy in, I immediately requested cancellation of the service and asked that they dont charge my card because this was bait and switch which is an illegal practice in the United States, however, they never acknowledged or accepted my cancellation and said that a my representative XXXX XXXX would call me back, he never did and they charged my card without my permission. I continued to call and write emails requesting immediate cancellation and left several voicemails, and XXXX never acknowledged or accepted my cancellation. In view of my endless efforts I contacted Capital One to request a dispute of the charge, after six months of sending supporting documents to my credit card, they denied my request. I humbly ask that you review these facts and help me with this situation. Please feel free to call me anytime if you need anything further. Kindly, XXXX XXXX XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-07-01

East Troy, WI

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-01

Brooklyn, NY

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: XXXX is not providing my credit file and score to the companies that I have requested credit from. XX/XX/XXXX Capital One credit application. Capital One has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per XXXX. I currently have over 91 approved credit cards in which 31 are active. I have a long history of accounts and excellent credit. The information they are providing to creditors are inaccurate. XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to XXXX unable to provide my credit score and credit report. XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from XXXX. I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.
Company Response: Closed with explanation

Timely Response

2019-07-01

Akron, OH

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with monetary relief

Timely Response

2019-07-01

Brockton, MA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-01

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

2019-07-01

VA

Incorrect information on your report

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

Personal information incorrect
Complaint: I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.
Company Response: Closed with explanation

Timely Response

2019-07-01

August F. Haw, CA

Getting a credit card

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

Delay in processing application
Company Response: Closed with explanation

Timely Response