CAPITAL ONE FINANCIAL CORPORATION

2019-06-03

Odenton, MD

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-06-03

Hartford, CT

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

2019-06-03

Gloucester City, NJ

Other features, terms, or problems

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

Problem with customer service
Complaint: On XX/XX/19 I spoke with XXXX at Capital One, who advised me of plans to bring all 3 of Capital One Accounts update. For the first credit card he advised me if I paid XXXX on XX/XX/19 and then another payment of XXXX on XX/XX/19, the remaining past due balance of XXXX would be waived. Then for the 2nd card I was advised I needed to make one single payment of XXXX on XX/XX/19 and the remaining past due balance of XXXX would be waived and for the last card. I was advised to make a single payment XXXX on XX/XX/19 then past due balance of XXXX would be waived. I asked XXXX multiple times if this information was correct and he assured me everything he was saying was accurate. I made all the following payments on the given dates, only to contact Capital One on XX/XX/19 and to be advised the information was incorrect or they had no idea, or the payments just made my account current and they would have to review the calls, As a Capital One card holder, I think their business practices are scrupulous and what makes it so bad it was on a recorded phone line and their reps should not give false information in order to get a customer to make a payment. On XX/XX/19 I spoke with a very condescending and rude rep by the name of XXXX XXXX, who first claimed the call was from XX/XX/19 then she placed me on hold and came back on the line and claimed the the rep didn't provide me this information, and I requested to speak with a Manager or someone else the rep refused.
Company Response: Closed with explanation

Timely Response

2019-06-03

Saint Paul, MN

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Complaint: The last time I used this store card the balance due was {$1200.00} in XXXX, XXXX. By XX/XX/XXXX the total increased to {$5700.00}. I identified to the customer service agent that these were charges of identity theft and was laughed at. I obtained an attorney In XXXX, XXXX after numerous harassing phone calls were made to my cellphone daily as well as mailing letters requesting payment. On XX/XX/XXXX a letter was mailed to the company explaining that an attorney had been obtained and to stop all contact with me. Now I was informed that during the month of XXXX, XXXX my ex-wife was notified on her cellphone and letters were mailed to her new residence and she was never listed on the account.
Company Response: Closed with monetary relief

Timely Response

2019-06-03

Bethel, WA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-03

CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: *XX/XX/2019 someone fraudulently tried to open an account with ( XXXX XXXX/ XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open account ( capital one bank USA ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXXr ) XXXXXX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX )
Company Response: Closed with explanation

Timely Response

2019-06-03

Bridgewater, NC

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

2019-06-03

TX

Incorrect information on your report

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

Account information incorrect
Complaint: I had an auto loan with this company. On XX/XX/2019, the car was totaled. Shortly thereafter, my insurance company ( XXXX ) paid the car off. I requested that the balance on the vehicle be updated at that time, and I was told it would not be done until the " end of the month. '' The balance wasn't updated at the end of XXXX nor the end of XXXX. The balance on the car according to my online account is {$240.00}. All 3 of my credit reports show a balance of {$17000.00} on the car.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-03

Beaverton, OR

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-03

Olpe, KS

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: My complaint is against Capital One 's failure to resolve my account dispute in a fair and timely manner. I was clearly a victim of fraud that is potentially costing me over {$22000.00} This was an inheritance scam. A " friend '' had allegedly inherited some {$20.00} XXXX dollars. The amount was deposited into an account in the XXXX XXXXXXXX XXXX. I have a confirmation letter and will be happy to produce it on request. The money could not be released to her without the payment of attorney fees and bank fees. She did not have money for the fees so offered me a substantial part of the inheritance for helping her get the necessary money. The plan was that her " Banker '' friend would send money to me by making payments on my Capital One account. I would then send the funds to her by means of electronic money transfers or purchasing and mailing very desirable good that could be sold at a high profit, such as cell phones. Several such account payments were made to my account throughout the late summer and fall of XX/XX/XXXX but within a few days of them being credited to my account, Capital One would return the payments as " unauthorized '' and debit my account for any money spent before the payment was returned. At no point did Capital One issue any warning or express any concern over what I thought was a legitimate deal. I actually called and inquired about the returned payments in hopes of clearing up any problems that were experienced. I was told by Capital One that I should talk to the bank that was sending the money. Within days I received a letter from Capital One, dated XX/XX/XXXX that said my account had bee closed and that I owed a balance of {$21000.00}. The bill had included {$7500.00} for purchases after the first third-party payment was made to my account, {$1000.00} added after Capital One had increased my credit without my request or even consent and {$14000.00} for the returned payments. Capital One had been approving payments from my account virtually 3 times my credit limit! I called Capital One about the account. They had sent me nothing but a statement. I contacted my attorney and he immediately indicated that this was a common scam or fraud and that I should not be held accountable. I notified Capital One by e-mail and explained the general nature of the fraud and asked them to investigate. This was on or about mid XX/XX/XXXX. I had heard nothing from Capital One for two months, not eve a response to my attorneys letter. I phoned Capital One on XX/XX/XXXX and inquired about the progress of the investigation. I spoke to a lady in the Fraud department who told me that nobody wanted to touch it. After some minutes I was told that the investigation would be conduction by one of their most experienced investigators and it was hoped it would be concluded that night. It is XX/XX/XXXX and I still have not heard form Capital One. That is over 60 days since my phone discussion and about 6 months since I asked for an investigation.
Company Response: Closed with explanation

Timely Response

2019-06-03

MI

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/2019, I received a letter from Capital One, stating they deactivated my old card due to due fraud on behalf. I was to be reimbursed for the fraudulent activity. I received a new credit card, not allowed to activate it. After weeks of sending proof of identity, they called my energy supplier to confirm my residency. I was then told Capital One closed my account because I missed a payment on my old card. I didn't have the card in my possession and was told I had a returned check payment. I tried to explain that the person that stole my wallet/phone had access to all my information.
Company Response: Closed with explanation

Timely Response

2019-06-03

Magnolia, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On Sunday, XX/XX/2019 a fraudulent charge appeared on my bank account as a debit card purchase in the amount of {$100.00} this charge appeared as " XXXX XXXX XXXX XXXX XXXX. This charge was a charge back initiated by someone that we sold some electronics to over 5 months ago. this is clearly fraud. Its my understanding that capital one has zero percent fraud liability for their debit cards, however when I attempted to contact them over this issue ( twice ) they seemed very unsympathetic to my case and could not help me, I needed this money desperately to buy my prescription medicine. This fraudulent charge has stolen {$100.00} from my bank account and I need this money back as soon as possible.
Company Response: Closed with explanation

Timely Response

2019-06-03

Maynard, MA

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: There are two inquiries that were placed on my credit report on XX/XX/XXXX from KOHLS/CAPONE and on XX/XX/XXXX from CABELAS/XXXX, I sent the credit bureaus a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All that I received from XXXX and XXXX was a copy of the credit report saying that this company verified or validated these two inquiries. What I received from the credit bureaus is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, this applications were submitted fraudulently.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-03

Zachary, LA

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
Company Response: Closed with explanation

Timely Response

2019-06-03

Memphis, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have 2 Capital One Bank and XXXX XXXX XXXX reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and Capital One Bank. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from Capital One Bank sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.
Company Response: Closed with explanation

Timely Response

2019-06-03

Colts Neck, NJ

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I was reported 30 days late on my Kohl 's card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.
Company Response: Closed with explanation

Timely Response

2019-06-03

Bueche, LA

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

2019-06-03

Lake Lincolnd, NY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-06-02

Phoenix, AZ

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-02

Rosamond, 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
Company Response: Closed with explanation

Timely Response

2019-06-02

Wichita, KS

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: On XXXX XXXX 2019, I noted three fraudulent transactions on my card. I immediately notified Capital One and they flagged all three and removed the transactions. On XXXX XXXX 2019, one of the charges reappeared, at XXXX for {$67.00}, dated for the XXXX now. I reported this one as well, and received assurance that it was a duplicate and would be removed/investigated with the others. On XXXX XXXX 2019, I received notice that the XXXX transaction was deemed legitimate, and the others would be kept off. I called to dispute this the same day and was told that it was seen as legitimate for being delivered to someone at an address I've never had, with the same last name as me. The address they were provided by XXXX, which the representative also gave me, is not one I've ever had anything to do with and the name on the purchase was clearly <firstname> <lastname-that-matches-the-stolen-info>. I was told the charge would be removed. Today, XXXX XXXX 2019, I was notified by a separate spending-tracking app that the charge was not removed or otherwise was reapplied to my account, dated XXXX XXXX 2019. Capital One is charging me for something I didn't buy because it was already delivered to the thief 's address.
Company Response: Closed with explanation

Timely Response

2019-06-02

Boston, MA

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: To whom it may concern, I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account. I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports. I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying. By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information. By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act. FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY. You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with. Silence Equates To Agreement ~ Point of Law. Time is of the essence, XXXX. Without recourse, all rights explicitly reserved UCC 1-308, 3-415, and 1-1031
Company Response: Closed with explanation

Timely Response

2019-06-02

IL

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 non-monetary relief

Timely Response

2019-06-02

Naples, FL

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

2019-06-02

OH

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: Keep getting same call from Capital One saying call back we have important information for you That is all..every day same call My credit bill is fully up to date I am being harrassed
Company Response: Closed with explanation

Timely Response