CAPITAL ONE FINANCIAL CORPORATION

2019-06-10

Desoto, TX

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

2019-06-10

Cleveland, OH

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

2019-06-10

Rock, MI

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-06-10

Mohawk, MI

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

Timely Response

2019-06-10

Keyport, WA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I filed a complaint about an extended warranty refund and I don't understand the response from the bank. I am in an active chapter XXXX bankruptcy case. The car dealer sent a check for {$1000.00} to the bank. The bank says they mailed a check for {$750.00} to the chapter XXXX trustee. The trustee access website shows no posting of this amount. Also, where is the remaining {$260.00}? The representative from the bank finally called me back and said he can't discuss any of this with me because of the active chapter XXXX case. I paid all of the money to the bank through the chapter XXXX trustee, the loan is satisfied, I have the title to the car. I don't understand how the bank feels they can keep any of the extended warranty refund. Where is the remaining {$260.00}? The bank representative says I need to talk with the trustee for that information. The trustee has nothing to do with this. The bank owes me {$1000.00} for the refund. Now I feel I am entitled to interest on top of that amount.
Company Response: Closed with explanation

Timely Response

2019-06-10

Omaha, NE

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

2019-06-10

Hamden, CT

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2019-06-09

Hoffman Est, IL

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

2019-06-09

Bakersfield, CA

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-06-09

Marietta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-09

Franklin Lks, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: My ex and I were divorced a few years back. As part of the divorce procedures we closed or removed one another from joint credit card accounts, however I now learn that the company in reference refused to remove my name as an account holder ( he was the primary account holder ). My ex continued to use the credit card without my knowledge and recently accumulated debt and decided to file for bankruptcy. The account in reference was included in the filing. Through a third party ( I was notified that one of my accounts was closed by another creditor due to adverse information on my credit report ) I learned that the creditor transferred the debt to me and reported the delinquency and amounts due as my debt. Numerous attempts to explain the situation and misunderstanding went unanswered. At this point the debt that he is responsible for ( I never even held a card for this account since the divorce ) is dismissed as part of the bankruptcy procedures and I am now made liable, my credit score adversely and very negatively affected, yet I can not do anything to resolve this misunderstanding. Since I have no knowledge of the account, all I know is what is reported on my credit report. I never received a statement and no collection attempt was made. The creditor can not show proof / contract that I am liable for the account - all they claim is that since my SSN and DOB ( which needless to say is information my ex had knowledge of ) are correct in the system, I am indeed liable and refuse to remove the adverse report against me.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-09

Marietta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-09

Colts Neck, NJ

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
Company Response: Closed with explanation

Timely Response

2019-06-09

Mohawk, MI

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

2019-06-09

Bakersfield, CA

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-06-08

Alexandria, VA

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
Company Response: Closed with explanation

Timely Response

2019-06-08

Compton, CA

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

2019-06-08

Chandler, AZ

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 non-monetary relief

Timely Response

2019-06-08

Staten Island, NY

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-06-08

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 monetary relief

Timely Response

2019-06-08

Philadelphia, PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: My Capital One 360 checking allowed a unauthorized withdrawal of {$570.00} on XX/XX/XXXX from XXXX. I've never in my life had an account with XXXX. Upon informing Capital One of this I found out they have no clear process to remove this unauthorized and fraudulent transaction. While speaking with employees they aren't able to communicate what actions I have to take to remove this.
Company Response: Closed with explanation

Timely Response

2019-06-08

San Antonio, TX

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

2019-06-08

Key Biscayne, FL

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: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-06-08

Westfield, NJ

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

2019-06-08

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: The absolute tragedy of Capital One and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. As a single father was three dollars to raise I cant seem to let this happen since it is not just.
Company Response: Closed with explanation

Timely Response