CAPITAL ONE FINANCIAL CORPORATION

2019-05-30

Deltona, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-30

GA

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 120 days late payment on the dates XX/XX/2017 to 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 non-monetary relief

Timely Response

2019-05-29

MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-29

Carol City, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-29

Glassell, CA

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-05-29

Williamston, MI

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Ardmore, MD

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

2019-05-29

Fayetteville, NC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-05-29

Country Club Hills, MO

Written notification about debt

Debt collection: Credit card debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-05-29

MO

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 several over the last few months I have never applied for or even heard of. Some using diff names than my own.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-29

Birmingham, AL

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-05-29

Brooklyn, NY

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/2018 my XXXX credit card was fraudulently charged three amounts {$330.00}, {$330.00}, {$100.00} I opened a disputed against a fraudster company XXXX that tried to defraud me and after some time the fraud department of Capitalone.com refunded two charges of {$100.00} and {$330.00} closing dispute in my favor but for some unknown reason rewarded the third charge of {$330.00} to the fraudulent company XXXX and closed the case without an appeal. By doing this Capitalone.com sided with fraudulent company and assisted in defrauding my account by {$33.00}. I called multiple times to XXXX asking to review the case and reopen the dispute but to no avail.
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Galena, NV

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-05-29

Allerton, NY

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

2019-05-29

Rolesville, NC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-29

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: On Saturday XX/XX/2019 : According to an email from XXXX XXXX, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. Also a credit card application for a Capital One card was filled out without my consent and I received an email that denied the application. I need help to see where and how this occurred and what steps need to be taken to fix these situations. Thank you.
Company Response: Closed with explanation

Timely Response

2019-05-29

Brooklyn, NY

Closing your account

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

Company closed your account
Complaint: They closed it because I filed disputes for fraudulent transactions that I didnt make and they said it violated terms and conditions
Company Response: Closed with explanation

Timely Response

2019-05-29

GA

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 have on my credit report a inquiry from Capital one bank USA na date XX/XX/18 that I don't have no ideal of and didn't give them consent to pull my credit
Company Response: Closed with non-monetary relief

Timely Response

2019-05-29

TX

Closing an account

Checking or savings account: Savings account

Can't close your account
Complaint: I've been trying to change my address once for about 2 weeks. I contacted capone via chat and both times were useless. I contacting them via XXXX twice. Useless. I got a phone call from someone dating it was them who instead of addressing my issue tried to get personal information from me first. I refused and hang up. I filed a complaint with an executive. I got two emails from the office if the president that have not addressed my issue. I want my account closed. Confirmation sent to my address and removal from their marketing lists for all of capital one
Company Response: Closed with explanation

Timely Response

2019-05-29

Manhattan, NY

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 monetary relief

Timely Response

2019-05-29

Encino, 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

2019-05-29

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
Complaint: The following Financial Companies reported late payments to the three reporting credit agencies on my XXXX XXXX, Capital one, and XXXX XXXX XXXX XXXX XXXX of Maryland Accounts. Before they made the report, I called to negotiate with them that I was going through financial hardship due to a medial XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my medical XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The companies and late payments is as follows : XXXX XXXX XXXX XXXX 60 days late All 3 report Agencies XXXX XXXX 30 days late All 3 report Agencies Capital On XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 60 Days Late All 3 report XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX 30 Days Late All 3 report Agencies XX/XX/XXXX. 60 Days Late All 3 report Agencies XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 60 days Late All 3 report Agencies
Company Response: Closed with explanation

Timely Response

2019-05-29

Church Point, LA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2019-05-29

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2019-05-29

San Gabriel, CA

Closing your account

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

Company closed your account
Complaint: On XX/XX/2019 we tried to use our credit card out of the country to find out it was closed. Called Capital One XX/XX/XXXX and was told that " I had called to request a new credit card, but could not provide all the information required, so it was requested by the called to be closed ''. I did not make any phone call for my account to be closed. Capital One closed my account because someone phoned in and could not provide all the security questions and requested to close the account. Without actually verifying that the person trying to close the account was the actual owner of the account, they closed it without any security checks or diligence on their part. Called back on XX/XX/2019 because the account had $ 150+ dollars in rewards earned, but they were unable to help. They also verified per. voice recordings that the person who called to close the account was indeed not me ( owner of the account ). Although there is fault in their security and fraud protection I am still penalized for their inability to protect their customers.
Company Response: Closed with non-monetary relief

Timely Response