CAPITAL ONE FINANCIAL CORPORATION

2019-05-13

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

2019-05-13

Wilkes Barre, PA

Incorrect information on your report

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

Personal information incorrect
Complaint: disputed with capital one and information came back with an address that didnt bong to me ( belong to ex ). never received any information on account that was closed out/charge off
Company Response: Closed with explanation

Timely Response

2019-05-13

Eastchester, NY

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/2019.A Capitol One account was open in my name.In the month of XX/XX/XXXX I notice that Capitol One was not reporting payments made, credit usage and credit information to the three credit bureaus. I contacted Capitol One requesting them two weeks ago to please update my payments and credit usuages on Time to the three bureaus.I even sent out a certified mail towards Capitol One P.O. Box disputing department center as requested by agent.Havent seen nothing change.I call capitol one keep saying its reporting to all three credit bureaus, when I call all three credit bureaus.The credit agencies saying they see no file or credit date open. Now today XX/XX/2019 my XXXX score of XXXX went down to XXXX.Becuase Capitol reported inccorrect information to XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-13

Brentwood, TN

Getting a credit card

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

Application denied
Complaint: I applied to a pre-qualified offer and was denied based on an invalid reason.
Company Response: Closed with explanation

Timely Response

2019-05-13

El Sobrante, CA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2019-05-13

Staten Island, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was hit randomly with 2 hard pulls from capital one On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. I am looking for someone to please help the situation.
Company Response: Closed with explanation

Timely Response

2019-05-13

Carver, MA

Problem when making payments

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

Problem during payment process
Complaint: CAPITAL ONE Attn : Consumer Dispute XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account # XXXX=>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. Dear Executive Manager ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX DAY LATE PAYMENT I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. Thank you! XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-05-13

Toledo, OH

Other features, terms, or problems

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

Problem with cash advances
Company Response: Closed with explanation

Timely Response

2019-05-12

Louisville, KY

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

2019-05-12

Concord, NC

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

2019-05-12

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Kohls is reporting a closed/collection account as an installment account. This account has been sold to two different collection agencies but is still reporting under Kohls. Keep in mind this is damaging my credit score each month. Kohl 's has yet to send me valid proof showing that this account belongs to me ; billing statements are not considered validation as they do not bear my signature. I am requesting for this account to be removed from all 3 credit bureaus. Moreover, I have already given you the 30 days required by law, you will now have 15 days to correct the information being reported on my credit report and to send me a response or I will file suit. if you continue to act in bad faith I will proceed with a small claims lawsuit against Kohls for 1 : ) Negligent Reporting, 2 : ) Violation of the Fair Debt Collection Practices Act, 3 : ) Violation of the Fair Credit Reporting Act.
Company Response: Closed with explanation

Timely Response

2019-05-12

South Florida, 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 cancelled a newspaper subscription back in XX/XX/2019. Despite my cancellation with the newspaper subscriber, my credit card will still charged on XX/XX/2019. I called the merchant on XX/XX/2019 and they refused to refund my credit card. I called Capital One ( my credit card company ) on XX/XX/2019 and asked for the merchant to be blocked, to which the representative refused to honor my request. She told me that is not a possible thing to do. I spoke with a representative in the Capital One Corporate Office and explained my frustrations. She assured me she will address this and connected me with some " higher raking '' customer service representative. She supposedly blocked the merchant and honored a final credit of the unauthorized amount that was charged to my account. I never initiated a dispute, but apparently Capital One did so on my behalf. In a final resolution letter dated XX/XX/2019, I was specifically told the following : " Your credit will remain on your account, and there's nothing you'll need to do. At this time, we consider your case closed even if we provide you with additional details. '' However, on XX/XX/2019, my credit card account was re-billed for the " disputed '' amount stemming from the XX/XX/2019 merchant block request. I spoke with a customer service manager on XX/XX/2019 and was told that the merchant was never blocked from my account and Capital One decided to re-bill my account based upon a refund from the merchant ( back in XXXX, not related to this dispute, and known at the time of final credit resolution ). At this time, Capital One refuses to honor their final credit.
Company Response: Closed with monetary relief

Timely Response

2019-05-12

Charlotte, NC

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

2019-05-12

College Park, SC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with monetary relief

Timely Response

2019-05-12

Aberdeen, NJ

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

2019-05-12

Hinkley, CA

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-05-12

Mission Viejo, 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

2019-05-12

College Park, SC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-12

Charlotte, NC

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

2019-05-11

Colton, CA

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

2019-05-11

Beverly Hills, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-11

Lilburn, GA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-11

Chicago, IL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-05-11

Ft Myers, FL

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 explanation

Timely Response

2019-05-11

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response