CAPITAL ONE FINANCIAL CORPORATION

2019-05-08

Nooksack, WA

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

2019-05-08

Bellaire, TX

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Complaint: I asked that you investigate and remove the unauthorized inquiry on my credit report. CAPITAL ONE AUTO FIN Inquiry from XX/XX/2019 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-08

Oxnard, 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

2019-05-08

Hilshire Village, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-05-08

Boloxi, MS

Incorrect information on your report

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

Account status incorrect
Complaint: In XXXX and XXXX of 2018, I called one of my creditors which is Capital One. I was trying to catch my payments up. And as much as I care about my credit. I called Capital one to ask them what will be the minimum payment I need to make before it goes into a 30 day late. For both months I called in, I asked the same question. And for each month they gave me a amount. I made those payments. Came XX/XX/2018, I realized when I go to check my credit, they had both XXXX and XXXX a 30 day late on my credit. I immediately started to contact them about that and told them that was incorrect. If I'm not mistaken, when I called the in one of the Reps told me that It was a different amount that was needed, and not what I paid. I told them I paid what was told to me that was needed to be paid. I asked them on several attempts to check for the recorded phone calls for both months. I've sent letters, over and over again in my defense and they refuse to check the the phone recordings.
Company Response: Closed with explanation

Timely Response

2019-05-08

San Angelo, TX

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: The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. -- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information Northamerica Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - Capital One has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) Cap One Inquiry from XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX XXXX. Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. XXXX XXXX XXXX Inquiry from XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Company Response: Closed with explanation

Timely Response

2019-05-08

FL

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I was issued a credit card that had a rewards program in which the points where to be used towards the purchase of a vehicle from XXXX. I did not know this until the first use, so after discussing the matter over the phone that I was not interested in buying a car but just getting cash back. Then they exchange that card for one with cash back and even though I have at the present time {$52.00} on the rewards program, they claim that I am starting a new account and do not qualify for cash back. On the other card I had {$260.00} It is my opinion, that this is a typical " Bait and Switch operation ''. This card is called the " extended family card '' from Capital One and the least amount you need is XXXX dollars to qualify for cash back. Thank you
Company Response: Closed with monetary relief

Timely Response

2019-05-08

Chester, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Company Response: Closed with explanation

Timely Response

2019-05-08

Lexington, NC

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: Back in 2012, my {$200.00} XXXX Secured Credit Card was still open and was fraudulently used and allowed to soar past {$420.00} high limit. While the company gave me back my security deposit ( with no interest I might add ), they said I had to pay the balance in full or otherwise it would be reported as a collection on my credit report. Capital One should be fined for this type of activity for conveying a threat to a customer and forcing them to make payments on purchases they did not make and refuse to send any supporting documentation with my signature. I should be refunded with full restitution of any money over {$200.00} plus interest plus damages to my credit for years and having to pay higher interest rates due to their inaction and non-compliance with federal financial rules and regulations. Important Note : The President of the University without notice decided that no further personal mail would be allowed through the University mail system. I was a new hire and went to my superior to inform him I was still living in a motel and could not change the address to the motel as it sometimes changed based on pricing. This caused a dilemma.
Company Response: Closed with explanation

Timely Response

2019-05-08

Bellevue, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: The name of the company is XXXX XXXX ( not sure if that is how it is spelled ), the amount they said was XXXX, when i was going through the list of questions to ask a fraudulent debt collector, Mr. XXXX got upset. I ask the address of the collections agency, he would not give it advising that in this world of XXXX it would not be safe. When i asked for the address of the debtor, he got upset and refused to answer advising since i had already said I was me ( saying my name ) and verified my birth date that was enough and then got upset saying i was being difficult and refusing to help. He hung up, i then called back to talk to him again, to advise him i was asking the questions to make sure he wasn't a fraud. He then got more upset and said he would garnish my wages and have me served with papers at my work or home. i tried to explain why i was asking and he said he was blocking my number.
Company Response: Closed with explanation

Timely Response

2019-05-08

Wilkes Barre, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: kohls info reporting on credit report is wrong rating line XX/XX/XXXX was ok, XX/XX/XXXX im 30 days late. date closed XX/XX/XXXX & XX/XX/XXXX. charge off dates XX/XX/XXXX & XX/XX/XXXX. how can be 2 different charge off dates. last payments shows XX/XX/XXXX & XX/XX/XXXX while credit report doesnt show any payments made on their trade lines. no notes saying placed for collections
Company Response: Closed with explanation

Timely Response

2019-05-08

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

Staten Island, NY

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: A few family members and friends had used my address and capital one agreed to remove them and stop sending pre approval quotes to my address. The following people no longer get mail to the following address XXXX XXXX XXXX XXXX XXXX ny XXXX. I just want them removed as the capital one rep said they would do. 1- XXXX XXXX 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX. XXXX 5- XXXX XXXX 6- XXXX XXXX 7- XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-08

Amherst, NY

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

Wilkes Barre, PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: capital one shows card open XXXX, never had card with them until XXXX not my debt they must provide debt validation on when this account was open
Company Response: Closed with explanation

Timely Response

2019-05-08

South Florida, FL

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 I make a XXXX dollar minimum payment. I previously went through a Financial Hardship and had been late on making a few payment In 2015. I contacted Capital one myself directly and entered into a payment plan to uphold my responsibility and said agreement that they proposed. After said agreement was completed and I was back on track as I even brought myself current earlier than the plan allowed for I came to find out a while later that I was reported as never have being made a payment and Late for a period of 6 months or greater when I was making payments during said time under their provisions. As a result my interest rate has been increased ever since the event and I have tried to obtain another card to take advantage of a lower credit card rate or offer as well as save interest and get out of said debt but the information being currently reported is hurting me from obtaining another Card with better terms.I want to make it clear that I have had stellar payment history prior to the Financial Hardship as well as thereafter. I have been carrying out my obligations effectively.
Company Response: Closed with explanation

Timely Response

2019-05-08

Disautel, WA

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
Company Response: Closed with explanation

Timely Response

2019-05-08

Bronx, NY

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

2019-05-08

Bethesda, MD

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-05-08

Staten Island, NY

Incorrect information on your report

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

Personal information incorrect
Complaint: I have called capital one countless times to inform them the following names do not live at XXXX XXXX XXXX XXXX XXXX ny XXXX. These are family members or friends that capital one had agreed to remove from getting mail but we still continue to get mail for them. The following names need to be removed 1- XXXX XXXX 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX 6- XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-08

Amherst, NY

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

2019-05-07

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

2019-05-07

New Holstein, WI

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

2019-05-07

Atlanta, GA

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: I initially contacted Capital One within 2-3 days after a charge for {$870.00} posted to my account. I notified them that the charge was not correct and services had be paid for by other means. I further provided the revised invoice for services which shows that the original amount due was {$850.00}. The merchant misapplied my payment to another account, causing them to charge me again for the original amount due of {$850.00} as well as a {$25.00} late fee - {$870.00} total. The original amount of {$850.00} has already been paid in full and on time, the charge to my Capital One account ( which was on file with the this provider ) includes a duplicate payment and a wrongly assessed late fee. I further provided proof of payment. The claim at one point was paid, and then reversed a short time later. After several months of back and forth and explaining the situation to several representatives, and re-submitting the same information several times, I was told that the claim was denied because it was not filed timely - which is absolutely not true. The only untimeliness involving this claim has been on Capital One 's behalf in their failure to resolve the issue. To deny the claim based on untimeliness, is inaccurate, no applicable and completely prejudicial. I have been a Capital One customer for years, and this entire process has been very frustrating and disappointing. I ask that you please take into consideration the forgoing information and re-evaluate the claim in my favor.
Company Response: Closed with monetary relief

Timely Response

2019-05-07

Stone Mountain, GA

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