CAPITAL ONE FINANCIAL CORPORATION

2019-05-09

Juniper Hills, CA

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response

2019-05-09

Westminster, MD

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-05-09

Amity Harbor, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-09

Leesburg, FL

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

2019-05-09

Alexandria, VA

Incorrect information on your report

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

Account information incorrect
Complaint: Capital one credit card are reporting my balance as XXXX and a month payment of XXXX dollars. The information is not correct according to my monthly statement. My balance is XXXX and there is no monthly payment due and the payment is zero. The balance of XXXX dollars is not due and no statement reflection such reporting. I have always paid my bill ahead of time. Capital one credit card is reporting inaccurate information on my credit report after being paid in full with a overpayment of XXXX. Due to the overpayment there was a credit on my account of XXXX I don't own a XXXX dollars payment according to my statement and the balance being reported is inaccurate information. I have always paid my bill in full according to my payment history with this company. There is no balance and no payment is due and the payment is XXXX dollars. Due to being paid in full.
Company Response: Closed with explanation

Timely Response

2019-05-09

Jupiter, FL

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: when i opened my credit report i saw an offer that indicated that i should put my information to accept an offer that was suppose to check my final qualification without affecting my credit which turn out to be false because it immediately affected my credit as an inquiry, it is a false advertising and confusing at the best
Company Response: Closed with explanation

Timely Response

2019-05-09

Austin, 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
Company Response: Closed with explanation

Timely Response

2019-05-09

Okc, OK

Other features, terms, or problems

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

Other problem
Complaint: I want to thank you first of all for extending me credit back when nobody else would. I have had my two capital one credit cards for a while now. I have had my rewards card for about 3 months now and the platinum secured card for about four months now. I have worked hard in rebuilding my credit and look forward to many years with my capital one cards. I have made every payment on time and try to keep my utilization under 10 %. I make multiple payments in the same month to keep my account balance low as possible.While I am grateful capital one has given me a chance to rebuild my credit i am having issues with capital one and their constant denial of a credit limit increase. Each time they have told me my account is too new or Secured cards are not eligible for credit limit increase. Every time i call into customer service to ask where that information is stated online or in my account access i don't get any answer and get a scripted response of their is nothing we can do. Asking for my account to be reviewed for consideration.
Company Response: Closed with explanation

Timely Response

2019-05-09

Las Vegas, NV

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-05-09

Austin, TX

Getting a credit card

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

Sent card you never applied for
Complaint: We ( my wife and I ) have both completed the opt-out at XXXX XXXX XXXX/ over 90 days ago yet Capital One keeps sending us credit card offers.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-09

Santa Ysabel, CA

Getting a credit card

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

Delay in processing application
Company Response: Closed with explanation

Timely Response

2019-05-09

Mandeville, 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

2019-05-09

Ehrhardt, SC

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
Complaint: XXXX ; XXXX, XXXX, one more These are the last digits of my credit card numbers that were opened up by my ex-girlfriend from years ago. My ex opened a multitude of cards in my name and ran up debt in my name. The four cards had high charges on them and the debt kept getting higher and higher. I informed Capitol One of these issues by phone and letter on multiple occasions in XXXX XXXX. I called and wrote letters and provided a then report of identity theft that was filed through the Federal Government Identity Theft Site that detailed what happened. I offered documentation and spoke to them about it. While I informed them of this, nothing really happened. Capital One did not initiate Fraud investigations or anything into my account. I told them I was making minimum payments until it was all figured out. I even came up with a solution that allowed for me to possibly come to an agreement with the company to settle the debt and close the accounts out by paying a certain amount through a negotiated fee, even though it wasn't fair that I was paying on something that was NOT my opening or my fault. I even asked that Capital One provide me with the signature or documents in which I " supposedly applied for all four credit cards, and they did not. Instead, Capital One sent me a big document in which they rudely tried to intimidate and overpower me and ignored my calls for fraudulent issues, not even acknowledging the issues about it. I couldn't pay for the credit cards and they charged off on my credit unfairly, especially without providing me with Fraudulent Protections. It was intimidating and awful and horrible experience and even when I tried a negotiation, they ignored me.
Company Response: Closed with explanation

Timely Response

2019-05-09

Cordova, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with monetary relief

Timely Response

2019-05-09

Santa Ysabel, CA

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 received hard inquiries against my credit with both XXXX and XXXX. XXXX shows three recent inquiries that I am unfamiliar with and need to report this. XXXX Inquiry details are as follows : 1. Capital One Bank USA - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 2. XXXX XXXX XXXX - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 3. XXXX XXXX XXXX/XXXX XXXX - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information XXXX Inquiry details are as follows : 1. Capital One - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information I did not apply for a credit card, auto loan or any other form of credit and therefore believe this is a form of Identity Theft attempts. Please let me know what I need to do to resolve this issue. Thank you for your assistance.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-09

Campus, NM

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

2019-05-09

Shulerville, SC

Incorrect information on your report

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

Account information incorrect
Complaint: I was so shocked when i looked at my credit in attempts to purchase a home Dates XX/XX/XXXX, XX/XX/XXXX & XXXX I am not sure how this happen i believe that I made my payments when i recieved my ststements. I think is that my statements must have gotten lost
Company Response: Closed with explanation

Timely Response

2019-05-08

Wallington, 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

2019-05-08

Brooklyn, NY

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

2019-05-08

Clinton, MD

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-05-08

Glendale, CO

Other features, terms, or problems

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

Other problem
Complaint: Capital One owes me {$850.00} but refuses to send me a check I can cash. I have had 3 credit cards with Capital one for years. Never late, never over limit. Then a stranger got 2 of my cards and ran up charges for 3 days. You never think it will happen to you. To be safe, I sent in payments of {$1000.00} to each card. When the dust cleared, I had an {$850.00} balance overpaid on one card. That was last XXXX. It took months, but Capital one finally sent me a check, but it was made out only to my business. The card had both my name and the business name - statements also carried both names. I am XXXX, on XXXX, and retired 2 years ago and closed the business. I didn't really think about the cards. My bank will not accept a check made out to a business that no longer exists. I had told XXXX XXXX about this during the fraud investigation. I have, now, called 4 times the last 4 weeks as I was promised a check in my name over a month ago. Capital One owes me {$850.00} for 6 months, now. If it was them, they would be charging me interest and destroying my credit ( which is 780+ by the way ). Their trained monkeys just can not seem to deal with this properly even if I stay on the phone for 30 minutes. I returned the original check to Capital One a month ago. I want my money back!!! I am tired of calling and getting trained monkeys who either can't figure out that I am owed a check or claim that my " record '' is not clear that they owe me a check. XXXX XXXX - XXXX, ext XXXX - Promised me a check in my name well over a month ago.
Company Response: Closed with monetary relief

Timely Response

2019-05-08

Indiana, PA

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

2019-05-08

Nyc, NY

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: Two fraudulent charges appeared on our credit card statement. One was a cash withdrawal from an ATM for {$210.00} and one was a dinner charge for {$77.00}. Both were made the same day, within an hour of each other, in XXXX, New York. The company is Capital One. The dinner charge was made with a chip enabled card and Capital One claims this proves I am wrong ( and therefore lying ). We had the card in our possession the entire time and did not mae the withdrawal nor the charge. The withdrawal was credited back to our account, but not the dinner charge, because Capital One claims the card used was chip enabled. This seems wrong to me, since we did not make the charge. Assuming Capital One is telling the truth, there is a security problem with their chip card enabled technology. I have cancelled our cards with Capital One, since I feel they can not be trusted.
Company Response: Closed with monetary relief

Timely Response

2019-05-08

Brooklyn, NY

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

2019-05-08

Phoenix, AZ

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: On the date of XX/XX/XXXX at XXXX I entered into a recorded verbal phone conversation with Capital One Auto Finance, known as COAF on my credit report. I informed them I was reviewing my credit report and noticed two inquiries that I did not recognize. I asked them if they could verify the inquiries as authorized or unauthorized, meaning in accordance with the FCRA laws they must have my signature. The male representative did verify they have no record of the inquiries listed on my credit report of the date of XX/XX/XXXX and XX/XX/XXXX. As well, he verified there is no signature that exist for those inquiries. I demanded that the company delete the inquiries then. So, he told me I could dispute it by mailing in certain information. I then explained to him I will not pay for mailing and out put my own money for disputing an inquiry that was never mine in the first place. So, when he refused to give me an email address that I could send all the information requested to, I then informed him I will be filing a complaint with the Consumer Finance Protection Bureau, XXXX, XXXX, and XXXX.
Company Response: Closed with explanation

Timely Response