CAPITAL ONE FINANCIAL CORPORATION

2019-04-26

Lake Balboa, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-26

Baldwin, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-26

Mckeesport, 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

2019-04-25

Fresno, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: 1. Original Creditor - 12 Capital One N.A. 2. Collection Agency - XXXX XXXX XXXX Amount {$1900.00} Claiming Amount Owned Date Disputed XXXX Disputed Charges And Asked For VOD Validation Of Debt ***NOT Validation*** Resolution : XXXX Re-investigation in process Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Company Response: Closed with explanation

Timely Response

2019-04-25

IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: Approximately in XX/XX/XXXX, I received a subpoena by a law enforcement officer of the state of IL for a debt I was not aware of nor is it mine. These are fraudulent claims or identity theft. Upon checking my credit report as recommended by my friend and discussing the matter with him he suggested I take action to call CaptialOne to inform them of this fraud. They gave me a telephone number to their attorney instead of their fraud department, this was today XX/XX/XXXX. However, I never personally applied for credit with CapitalOne and was successful in obtaining a line of credit with them.
Company Response: Closed with explanation

Timely Response

2019-04-25

Knoxville, TN

Getting a credit card

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

Delay in processing application
Complaint: I applied for a Capital One credit card around XX/XX/2019 and a message popped up saying needed further reviewing. I did receive a email letting me know the process could take up to 7-10 business days. After waiting about a week, I called the number to check the status and the automated system told me that my application is still under review. After waiting 4-5 days, I still have not heard anything. After a week, I called back and the same recording that my application is still under review. I received an email letting me know that I needed to mail or fax over my ID and social security card in which I faxed over my Driver 's License, Social Security Card and a copy of my new lease agreement. After waiting another week, still no response back. I then received a a letter in the mail asking me to send in a copy of my ID and social security card. Again, I faxed over these documents with my lease agreement so they could have my current address. After a few more days, I kelp calling to check the status and the same results again. Today on XX/XX/2019 I called Capital One number at XXXX and spoke with a gentleman and explained to him my concerns. He asked me for personal questions and for my social security number, date of birth and my phone number. He stated to me that, he did see my application and he does have a copy of my driver 's license and social security card but never mention my lease I sent in. He said after reading the notes, that there was some information that didn't match and that I had to go back online to reapply. I asked him why if I'm going to be putting in the same information as the first time. He said, that's what the system is telling him. I asked what would be different and would it be another HARD INQUIRY and he said YES it will be. I was shocked of what he was saying to me. I never heard anything from them after 15 days and I had to call just for him to tell me that information. Why did I not get a letter are via email explaining that information to me? This is unfair action and I want something done about how I have been treated. I sent everything they asked for and more by sending in my new lease agreement and now they want me to REAPPLY adding a new Inquiry on my consumer credit file. That's not going to happen.
Company Response: Closed with explanation

Timely Response

2019-04-25

Lk Buena Vis, FL

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: Disputing the willingness to take some of the responsibility of damaging my credibility on misleading information. Had I been told you were reporting my payments as being late all could have been avoided. As a consumer reached out on several occasions to keep in good character with the company and issues still not resolved. Haven't been able to log on to my mobile account in almost 9 months call customer service to know resolve. Told by representatives credit report sent to credit bureau last day of month totally inaccurate.
Company Response: Closed with explanation

Timely Response

2019-04-25

Patterson, MD

Incorrect information on your report

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

Information belongs to someone else
Complaint: there are errors on my report because of breech with XXXX but it seems as though the credit reporting company will not delete incorrect information. HOW CAN I GET ITEMS DELETED OR REMOVED THEY ARE NOT MINE, MY IDENTITY WAS STOLEN.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-25

Rehoboth Bch, DE

Incorrect information on your report

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

Account status incorrect
Complaint: In XXXX, XXXX of XXXX and XXXX of XXXX, i sent the check to pay my account in full and they never recieved the payment ... now i have 3 late payments that is not supposed be in my credit report ... i letter them to ask if they can remove it because it's not even my fault ... and i never received an answer.
Company Response: Closed with explanation

Timely Response

2019-04-25

Hamilton, OH

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

2019-04-25

Barefoot Bch, FL

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with monetary relief

Timely Response

2019-04-25

Alachua, 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

2019-04-25

Bronx, NY

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-04-25

Spokane, WA

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

2019-04-25

Five Points, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-25

Hewittsville, IL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with non-monetary relief

Timely Response

2019-04-24

Hudson, 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

2019-04-24

Crossings, FL

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

2019-04-24

Cortlandt Manor, 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

2019-04-24

Ft Lauderdale, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: My complaint is against Capital One Auto Financing and my auto loan through. I purchased a XXXX XXXX XXXX two years which they financed and have struggled with the loan payments after six months. Initially the vehicle was vandalized through unauthorized use causing extensive damage to the undercarriage breaking both control arms, bending a rim and ruining a tire. The repairs exceeded {$3000.00}. A police report was filed, but no charges were ever filed. As part of my contract with Capital One I have to maintain the vehicle and am responsible for any and all repairs. I immediately notified them of the damage and forwarded a copy of the police report. The did not offer any leniency despite being made aware that the cost of the repairs would hinder my ability to repay the loan. Six months later I was involved in an accident in a company vehicle which left me bed-ridden and unemployed for two months. Once again, I notified the bank that I would not be able to make my payments on time. Once again, when I asked for a deferment on the loan, it was denied. Recently, and partially because I was desperate for work, I fell prey to a labor scam which left me once again behind on loan payments. Now the bank is threatening repossession, they've worsened my financial situation by reporting negatively to the credit bureaus, they've buried me in interest and late fees, and still can not offer a solution. They are attempting to profit from a victim and this is the epitome of predatory lending. The vehicle is no longer worth anywhere near it's original loan value and I'm still responsible for the principle loan amount. I should not be paying excessive interest and fees on a criminal act nor should the bank be able to profit from it. They've also violated my privacy by disclosing negative information regarding the loan, including status, payoff, and balance without my consent.
Company Response: Closed with explanation

Timely Response

2019-04-24

Blackbird, DE

Problem when making payments

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

Problem during payment process
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/2018, and 60 days late as of XX/XX/XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-04-24

Harsens Is, MI

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 am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled
Company Response: Closed with explanation

Timely Response

2019-04-24

Columbus, OH

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
Complaint: I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted khols department store on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment
Company Response: Closed with explanation

Timely Response

2019-04-24

Hinsdale, IL

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: These inquires on my report weren't initiated by me. Customer service would not help.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-24

Mesa, AZ

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