CAPITAL ONE FINANCIAL CORPORATION

2019-05-14

Beyersville, TX

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 have a Capital One Credit card where the minimum balance is {$140.00}, I have recently lost my job last month and going through financial hardships trying to pay my bills on time. Ive been late on a few payments but the late fees are taking a toll and my credit score is steadily decreasing. I have a 96 % on time payment history and would like to keep it around that amount if possible.
Company Response: Closed with explanation

Timely Response

2019-05-14

Monroe, NC

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

2019-05-14

Santa Monica, 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 non-monetary relief

Timely Response

2019-05-14

Long Beach, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.
Company Response: Closed with explanation

Timely Response

2019-05-14

Poughkeepsie, NY

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: Capital One and XXXX has caused significant legal problems. I contacted them for money for my trouble in the amount of XXXX also money paid on fraudulent credit cards. Please
Company Response: Closed with explanation

Timely Response

2019-05-14

OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: In XX/XX/2019, XXXX XXXX contacted me to pay off a very old credit card. I informed XXXX XXXX that to the best of my knowledge the debt had been paid off years ago. They told me no, still owed the debt ; no offer of proof that they had. I told them that I was not going to pay the debt again. Now they call me 1, 2, or 3 times a day. I now refuse to answer their calls.
Company Response: Closed with explanation

Timely Response

2019-05-14

N Hollywood, 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

2019-05-14

Brookside Village, TX

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

2019-05-14

Edgemont, 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 explanation

Timely Response

2019-05-14

Hickory Hill, TN

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 explanation

Timely Response

2019-05-13

San Marcos, CA

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

2019-05-13

Naugatuck, CT

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

2019-05-13

Dallas, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-13

Denver, CO

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-05-13

Sylvester, 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 can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are inquiries that do not belong to me. These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-Capital One Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-Capital One Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-Capital One Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-Capital One Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- Capital One Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-13

Belleville, NJ

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2019-05-13

Belleville, MI

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

2019-05-13

Dallas, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One Auto Account No. : XXXX Amount : {$3600.00} Address : XXXX XXXX, XXXX, XXXX , Texas XXXX Phone : ( XXXX ) XXXX I have disputed this entry for Capital Auto for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Capital One and myself for repayment. The only responses I've received were statements for paymnent. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-13

Nyc, NY

Other features, terms, or problems

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

Privacy issues
Complaint: It is with regret that I am compelled to submit this grievance in the form of a formal and multi-pronged complaint against Capital One, where I own a credit card account. I have been a customer since at least XXXX of XXXX, per my records, so there is a well-established account history and lengthy relationship. Recently, I had several authorizations declined which was embarrassing enough, a payment that somehow didnt get applied on time leading to a late fee being assessed ( which I believe to be Capital Ones fault but they wont allow me to discuss it in order to dispute it ), and other issues that Capital One ( a financial institution ) has refused to deal reasonably with me to resolve. Upon calling for assistance, I have been pushed towards the fraud team which has been impossible to work with, despite multiple attempts do nothing but make unreasonable demands in a completely non-transparent manner. At this point my account appears to be in a " restricted '' state, which also will not allow me to receive accrued rewards, which amounts to theft as it will not be released. I am seeing others complaining of similar sudden restricted account status, but XXXX focus on my own situation. One such call was on XX/XX/XXXX at night going into XX/XX/XXXX, first with someone offshore and then to XXXX XXXX employee # XXXX ) in the XXXX upon my demand, which resulted in no movement forwards. She said its above her pay grade and no person was available who could do anything further to discuss or resolve. She pushed me to schedule a call with a XXXX for XXXX on XX/XX/XXXX, which Capital One failed to follow through on, as promised to me. I called again on XX/XX/XXXX, first speaking to someone offshore, then to XXXX XXXX XXXX XXXX # XXXX ), who passed me to the supervisor XXXX ( employee # XXXX ) that seems to have violated my rights, denied corporate obligations, and violated law and regulation while proving completely unhelpful to resolve anything. A list of my complaints which I feel need to be addressed : -Utter refusal to discuss anything about my account with outrageous demands for ultra sensitive Personally identifiable information ( PII ) without cause : I have been told repeatedly that they refuse to acknowledge me as the account holder unless I produce a drivers license, with pictures front and back text messaged to them. There are multiple concerns here : XXXX ) No just cause or explanation as to why they need and are demanding such sensitive additional PII from me to begin with. I must refuse to provide such additional information on principal for my own security and privacy. However, more so and by law plus regulation this is improper behavior to demand PII without true cause seemingly with intent to collect more than what should be reasonably needed to begin with. 2 ) Mention of for verification :, They do not possess my drivers license or the PII it contains besides my name and address. Its clearly not something they possess to verify against, so again the demand of my drivers license is thus uncalled for and a violation of my privacy, law, and regulations just to obtain more of my PII for themselves. 3 ) Unencrypted data in transit ( insecure transmission ) demand : The fact is that I was told numerous times by multiple employees/agents of the company that I must photo the front and back of my drivers license and TEXT message it to them is an outrageous demand and again against regulation that requires encryption in transit ( XXXX XXXX XXXX ). 4 ) Inability to formally give notice [ potential fraud or unauthorized charges ] and/or challenge fees and charges This goes against their own policy and my customer rights, which in turn becomes another legal and regulatory infraction. - Utter disregard for my safety, privacy, and personal security 1 ) Lack of notification if there is some fraud, identity theft, etc. that will do harm to me they have a duty to notify me. They have not done so in any manner and refuse to provide any information when I have directly inquired of them via phone. Again, this is abuse of my customer rights with the company noting a quote directly off their web site and elsewhere of we will alert you if we see anything suspicious. This violation of my consumer rights and regulatory rules is a major concern. 2 ) Putting me in harms way By requesting further PII if my account is compromised in some way puts me significantly further at risk for identity theft and other likely and foreseeable repercussions. Capital One refuses to reveal anything about the situation and purposely have made it a mission to keep that from me. At this point, I am forced to believe that they are likely causing me not only indirect but also direct harm. I will have to consider them a co-conspirator or at minimum an accomplice should they have failed to help prevent a dangerous and negative outcome ( s ) as a result of not only clear negligence to notify of me proactively but also refusal to answer upon direct inquiry. This seems to be malevolence by starting and/or adding fuel to a fire which too is a privacy, regulatory, and legal matter. 3 ) Due to privacy concerns, I even offered to go into a Capital One location in XXXX in person and was told that wont suffice. See notes above of ( a ) insecure communication demands where TEXT messaging is inherently insecure by itself ( ignoring the complete lack of transparency how many 3rd parties may be in the middle of said communication too ), ( b ) no defined justification in demands of additional ultra sensitive PII from me, and then why they have no ability to accept other proof of identity/verification evidences but a drivers license. Apparently federal government ID is considered inadequate, which would constitute PII for verification that they actually have in their possession already that would not add to the stack of sensitive PII that they already have and from where I stand have no reason to demand more. 4 ) When calling in, despite having apparently high risk concerns [ fraud and/or other ] on the Capital One side, my calls are routed to what I deem as insecure and unacceptable offshore locations ; likely 3rd party locations with non-Capital XXXX employees involved but they wont speak to that matter either. In fact, XXXX XXXX employee XXXX ) and XXXX XXXX XXXX # XXXX ) admittedly confirmed that their offshore center ( XXXX ) should not be handling such matters like mine, yet I was routed multiple times to there anyhow. I was told I was speaking to someone in the XXXX on XXXX such call. XXXX ) I have accrued rewards and am being denied access to rightfully redeem - This amounts to theft by itself and ironically they are coming after me and demanding all sorts of payments, including assessed overdue/late fee plus interest XXXX past due fee of {$25.00} levied on XX/XX/XXXX + interest charge of {$10.00} XXXX without the aforementioned ability to dispute or rectify it. Shouldnt all funds in and/or out be locked if the account is truly in question of fraud/hacked/other? Its a XXXX sided and contorted game that they are unfairly and maliciously commanding ; another regulatory and legal issue that seeks to deny my consumer rights and abuse my finances and likely my credit score ultimately if I dont bow down to their every demand. XXXX ) Apparent issues with payments issue of overdue/late fee plus interest ( past due fee of {$25.00} levied on XX/XX/XXXX + interest charge of {$10.00} ) to be resolved where I believe I scheduled a payment Other grievances : XXXX ) XXXX XXXX XXXX # XXXX ) began to inquire if I was recording the call ; I refused to answer and he refused to continue iteratively ( not that we were getting anywhere due to the drivers license matter ). Per NY XXXX XXXX, as a resident of NY XXXX plus making a call physically within NY XXXX, etc. where legal consent to record is dictated by a participating party of XXXX ( which would be me ) is a legal right. This constitutes illegal action and clear violation of my rights, where Capital One sought to fight and restrict my right to record a call if I so pleased. 2 ) Promised a scheduled call with a manager/supervisor on XX/XX/XXXX at XXXX : Someone with enough seniority and authority was not calling me and this constitutes operating in bad faith and abuse of consumers such as myself who are at XXXX XXXX mercy. Not only was I called late, but then put on hold, then told to just wait indefinitely for a XXXX. After ~10 minutes I finally hung up in disgust. My only recourse when they wont come to the table in good faith, as promised, is to not this in a complaint here. I see it as a despicable tactic just want to waste and use up my time in an effort to tire me out so XXXX simply roll over or give up, rather than working with me fairly and ethically. 3 ) Via web site requested a copy of the customer agreement on XX/XX/XXXX that did not arrive as stated - The web site stated it was going to be sent to my email in a matter of hours and surely wasnt. I wish I could quote and cite from there regarding other flagrant violations, but Capital One has not furnishing a current version of all of the customer agreement, customer rights, etc. and I dont have a copy laying around. In any event, this has gone way too far and I need assistance against the 800 pound gorilla that is Capital One, that seeks to trample all over me, my privacy, and my rights as a XXXX citizen, NY XXXX resident, and financial account holder/customer.
Company Response: Closed with monetary relief

Timely Response

2019-05-13

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: the account was opened in my name by someone i dont know and yet im being called after me telling them to cease and dismiss calls
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

MA

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: Hello, Thank you for helping me update my credit report in the following complaint Re : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX However, Capitol One has reaged the account which has caused many problems. Capitol One has listed the date of first delinquency as XX/XX/2019 ( see attached proof ). This has caused my scores to tank. I would also like to say I love Capitol One. I have 2 credit cards, my wife has one with Capitol One. I also have an auto loan with Capitol One. Also we are selling our house and have substantial equity and will be opening a new checking account with Capitol One to deposit these funds. I just don't want this complaint to come off hostile. I just don't know any other way to talk to a human about these issues. That being said this is a major violation of the FCRA. Please delete this tradeline fro all three credit bureaus. Thank you XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-13

Key Biscayne, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: XXXX XXXX XXXX XXXX XXXX have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
Company Response: Closed with explanation

Timely Response

2019-05-13

Greenwood, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Complaint: Im 2013 my car was vandalized and my insurance paid over XXXX for the repairs. I was told to sign it and mail to the lien holder and then they would pay for the repairs to XXXX. They never did and for over XXXX years I paid for a car payment of XXXX. I was unable to drive and was under non operational vehicle with DMV. Capital one told me for over two years they didnt know where my money was and finally I got a call from a man who investigated it. I then w got my car painted with a XXXX check and it appears to look grey and not silver. Capital One offered me to get a new car but the dealership would not take it as a trade in as the damages would be too costly and it t was of no value due to them not having it painted correctly from the repairs insurance money. The car is not in great condition and its have already spent over XXXX on the car and Capital One is still insistent on me paying XXXX which most of is interest and late fees. Im not paying anything as they ignored me since 2013 and I made my payments faithfully even though I could not drive it. Thats over {$7000.00}. All I asked them is to write it off and give me my title but they would never get back to me. I would call but no resolution.
Company Response: Closed with explanation

Timely Response

2019-05-13

Mdn, MS

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
Company Response: Closed with explanation

Timely Response

2019-05-13

Beyersville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.
Company Response: Closed with explanation

Timely Response