CAPITAL ONE FINANCIAL CORPORATION

2019-04-22

East Troy, 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
Complaint: I have noticed credit inquiries on my credit reports that I did not authorize. I have reached out but they will not assist me.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-21

TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. Then every 7 days sometimes 3 times a month my credit score is changed. CapitalOne is playing with my score. I should not be penalized for using my card within the same cycle.
Company Response: Closed with explanation

Timely Response

2019-04-21

Leeton, UT

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: I have a couple inquiries on my report that are not mine. Cap one na, XX/XX/18 credit plus, XX/XX/18 Late pay XXXX XXXX XXXX XXXX, XX/XX/18
Company Response: Closed with non-monetary relief

Timely Response

2019-04-20

Winston Salem, NC

Closing your account

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

Can't close your account
Complaint: On XX/XX/XXXX I paid full amount {$190.00} owed to credit card and every since then I have attempted to close account and get my XXXX dollar deposit back from Capital One. They have refused and have sent two statement cycles but no deposit check. I don't want to do any business with them, just want my money refunded. This is despicable.
Company Response: Closed with explanation

Timely Response

2019-04-20

Hamburg, NY

Other features, terms, or problems

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

Other problem
Complaint: On XX/XX/XXXX I ( XXXX XXXX XXXX ) opened a secure credit card with capital one with a {$1000.00} credit limit. On XX/XX/XXXX I closed the account ; before I ever received the actual credit card. I was told my money would be refunded to me within two months. Sense then I have called atleast twice a week trying to get Capital One to give me back my money. They told me, in XXXX, that their was a fraud issue with my account. I did everything I could to clear up the fraud concerns. On XX/XX/XXXX I was told, in real time, that the fraud alert was lifted. I was told to expect a check in the mail within two weeks. Two weeks passed, I called and I was told by customer service supervisor that the check was canceled. They told me that my check was returned because my adress does not exist. My fiance has a credit card thru capital one, they send him letters in regards to his credit card all the time to our address. On XX/XX/XXXX I was told by a customer service rep. that they were flat out not going to give me my money back! I have not received a single peice of documentation in regards to this account ; via email or regular mail. They refuse to even give me an account number. They are literally refusing to give me back my money. Can you please get me back my money? These people literally went into my fiance and I bank account and are now refusing to give me back my money. I even tried to get my bank ( chase ) to get the money back from them in XXXX. They refused to give the bank back my money. These people have caused me nothing but grief. {$1000.00} is alot of money to me. Please, this has gone on long enough. Now everytime I call they just pass me around to different departments, telling me someone will call me in seven days. I never get a phone call. They have told me someone was going to calm me atleast five different times. Nobody ever calls. Please please get me back my money!!!! These people are literally stealing from me!
Company Response: Closed with monetary relief

Timely Response

2019-04-20

Chicago, IL

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

2019-04-20

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Someone stole my information and opened several credit cards under my name. I was able to dispute most of them with XXXX and XXXX and they deleted all of them. that person opened and credit card with Capital one Bank account ending : XXXX and its charge off now. I would like to have this delete to all my credit report. XXXX and XXXX deleted some off them but haven't contacted XXXX yet to dispute all fraudulent account.
Company Response: Closed with explanation

Timely Response

2019-04-20

NJ

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: Capital one 360 Online account virtually disappeared and could not access to withdraw and can not obtain statements. Capital one was very unresponsive to my concern. Said it was a technical issue and could take 20 days to fix.
Company Response: Closed with explanation

Timely Response

2019-04-20

Rochdale, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I am a victim of identity theft. Company took me to court without notifying me as the sent everything to wrong address and received default judgements and are attempting to garnish my pay.
Company Response: Closed with explanation

Timely Response

2019-04-20

Orange Park, FL

Fees or interest

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

Problem with fees
Complaint: This company charged me a membership fee when it promised I would not be charge this fee again. I need this fee removed from my account.
Company Response: Closed with monetary relief

Timely Response

2019-04-20

Oxford, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Hello I purchased a used vehicle XX/XX/2013 ... total amount of loan {$15000.00}. Ive already paid {$20000.00}. Still owing {$3500.00}. There seems to have been an error either on Capital one or with XXXX XXXX XXXX. I just recently noticed my loan term of 72 months which is {$8400.00} more than my original loan amount. Capital One is unable to explain this therefore my only option is to report them. Respectfully XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-20

Pittsburgh, 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

2019-04-20

Charlotte, NC

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

2019-04-20

Jupiter, FL

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-04-20

Phoenix, AZ

Other features, terms, or problems

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

Other problem
Complaint: This is in regards to a Capital One Quicksilver credit card account which is and laways has been in good standing. On XX/XX/XXXX, I initiated a bill payment from my bank account to pay the balance of my credit card account. Unfortunately, I requested the payment be sent to the wrong credit card account. It went to my Ca [ ital One credit card account on which I had a balance under {$200.00}. The payment was in the amount of {$11000.00}. This resulted in a credit balance with CapitalOne in excess of {$11000.00}. Since XX/XX/XXXX when I realized my error, I have been trying to get the money returned to me. I was first told it would take 7 to 10 business days because they had to send a check since the payment was made by check. In fact, my bank paid the bill electronically. However, I accepted the timeframe and waited. I have now called Captial One four times ( XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX ), spoken to four account reps and two senior reps. Each time I am given a different timeframe, different process and different date upon which I should receive the check. Today, XX/XX/XXXX, I spoke with a senior rep who told me that there is a " process '' that could take up to six weeks and that I " might '' have my refund by the middle of XXXX. She also informed me that no one above her level ever speaks to customers as they were all administrative. She also told me to get my bank to just take the payment back. I explained that the bank had made no error and that they would be unable to initiate an ACH debit against a credit card account. This is a large amount of money to me and I feel Capital One is holding it justly.
Company Response: Closed with explanation

Timely Response

2019-04-19

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-04-19

Camarillo, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-04-19

Los Altos, CA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-04-19

Charlotte, 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
Company Response: Closed with monetary relief

Timely Response

2019-04-19

TX

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-04-19

CA

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: After filling out a pre-qualification form on Kohl 's website and being told " Congratulations! You're Pre-qualified for a Kohl 's XXXX '' account I submitted an application and it was denied. They misled me and told me it was my fault when I called them to inquire. I have included the Prequalification code below and will be submitting disputes with the credit bureaus to have the inquiry removed from my report. This was a very misleading experience and I feel as though I have been lied to and abused by this company.
Company Response: Closed with explanation

Timely Response

2019-04-19

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
Complaint: Capital One credit card company received a payment electronically from my bank, XXXX, on XX/XX/XXXX, but did not post the payment. Called Capital One on XX/XX/XXXX, and supervisor made 3 way call to XXXX to verify that payment was made. Capital One gave me a credit on XX/XX/XXXX statement, then reverse the credit on following month statement. Made numerous calls to Capital One on XXXX and XXXX, and it was promised that they will fix the problem, but has not done so. Now I received a letter from Capital One that I need to contact my bank for unauthorized transaction. I made all my payments to Capital One through electronic withdrawal. Please help me to resolve this issue. I want my money back. Thank you
Company Response: Closed with explanation

Timely Response

2019-04-19

Gretna, LA

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 no knowledge of the following inquiry : XXXX XXXX XXXX XXXX Please investigate to ensure there is no fraudulent activity
Company Response: Closed with explanation

Timely Response

2019-04-19

FL

Incorrect information on your report

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

Account status incorrect
Complaint: Capital one Bank states that i have 3 30 days past due accounts. I do not have any late payments.
Company Response: Closed with explanation

Timely Response

2019-04-19

Rib Mountain, WI

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response