CAPITAL ONE FINANCIAL CORPORATION

2019-04-18

Vienna, NC

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

2019-04-18

FL

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-04-18

Mabank, TX

Closing your account

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

Company closed your account
Complaint: Ive been a capitol one customer for decades and I made my payments on time and never been late or had any past due amounts and sending larger payments so I can have a better credit score .... few months ago around XX/XX/2019 capital one ended there relationship with me because they were telling me that I opened up too many disputes under my credit card some of the disputes were open up without my permission and most of them were done by my guardians and my wife and I was out of town and capital one will not re-open my account and revoke my credit card and I lost 60 points off my credit score I was very disappointed and sad capital one was my first credit card and the best bank and they let me down and I dont want to re-apply Im willing to talk to them and work out a deal to restore a credit card relationship with capital one ... ..
Company Response: Closed with explanation

Timely Response

2019-04-18

GA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017, XXXX XXXX, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-04-18

Bartlett, TN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-18

Quartzsite, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have a debt collection reporting on my credit for a credit card account that is not mines. This account appears to be fraudulent due to the fact that I do not recognize any details involving this matter. The information being reported is frivolous.
Company Response: Closed with explanation

Timely Response

2019-04-18

Tolleson, AZ

Confusing or missing disclosures

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

Complaint: Ok so I went through a really harsh divorce which almost left me to file for bankruptcy, my ex wife just picked up left used my credit maxed it out, I was still having to pay all the bills from the residence she took off from plus a brand new car note also, so we went through litigation she still ended up getting a very good amount of equity even though she never helped with the bills ive Helped her get her degree from XXXX, fixed her credit score and put her on my savings account from money that was inherited to me so in the end judge call everything community property even though she never earned that money she still maxed out my credit so she got away with clean XXXX I got XXXX but I had to repaid all my collectors which I did and I dont know why they just cant delete my accounts I feel like theyre my ex wife just please deleted they know they got paid!! Why are they playing stupid like they didnt I just want my credit back to a normal at least XXXX so I can move on with my life and Im talking about all of the creditors they got their money I got letters from them saying is payed off why are the credit houses being such A holes for I just want to move on with my life thats all
Company Response: Closed with explanation

Timely Response

2019-04-18

Bolling Afb, DC

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

2019-04-18

Houma, LA

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-04-18

Brooklyn, NY

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 non-monetary relief

Timely Response

2019-04-18

VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: I was issued a garnishment summons at old address ( XXXX XXXX XXXX XXXX, VA XXXX ) in XX/XX/XXXX. Garnishment hearing had occurred and garnishment was in place before i found summons. This was for collection of credit card debt with Capital One Bank. The debt was six plus years old at time of garnishment with the last payment having been made in approximately XX/XX/XXXX. I have recently learned statute of limitations for open debt in state of Virginia is three years. This is a Virginia based company, as is the creditor 's attorney, and the process serving ageny employed by the creditor. All should have clear knowledge on statute of limitations within the state. This garnishment is taking greater than 27 percent of my net pay, resulting in late payments and inability to pay my current debts, and has also forced me to take out a high interest rate personal loan to try and keep myself afloat. To date I have had over {$2500.00} withheld from my wages.
Company Response: Closed with explanation

Timely Response

2019-04-18

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
Company Response: Closed with explanation

Timely Response

2019-04-17

Scottsdale, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-17

Chicago, IL

Problem when making payments

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

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2019-04-17

Arsenal, PA

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 non-monetary relief

Timely Response

2019-04-17

Spokane, WA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-17

Far Rockaway, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-17

Houston, TX

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: I just received a letter in the mail about a credit application in my name that was denied. I never applied for a credit card and would not every do business with Capital One. This is fraudulent.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-17

Newark, DE

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-04-17

Lewisville, TX

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 emailed capital one on XX/XX/2019 asking if I could merge to cards because I saw the option was no longer on your website and capital one was not giving me a credit limit increase. I didnt get a response from the executive office until almost a month later saying that option is temporarily removed. OK, that was fine. I have other credit cards I can use. While I am going back and forth with XXXX from the executive office, another issue on my capital one savor card arises. I am charged a CASH ADVANCE fee for a purchase I made. The problem is that months prior to this, I disabled the cash advance option to {$0.00}. Capital one assured me that no cash advances could be charged to the account. I called and spoke with an account supervisor named XXXX who said she doesnt know why I was charged that but couldnt refund me even though it was capital ones fault. OK so I call XXXX again and she says she has to do research. Its now been close to 3 weeks and still no resolution and my bill is coming up with {$63.00} of interest I have to pay because of an error on capital ones part. Ive never had this issue with any other card issuer and it seems like a way to scam customers into paying fees.
Company Response: Closed with monetary relief

Timely Response

2019-04-17

Phoenix, AZ

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

2019-04-17

San Buenaventura, 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

2019-04-17

Allingtown, CT

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

2019-04-17

W Des Moines, IA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-04-17

Thompsons Station, TN

Trouble using your card

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

Can't use card to make purchases
Complaint: My father can not handle his affairs due to being placed in a nursing home. I am an authorized user on his account. The account is frozen due to some identity problems and I have sent a P.O.A to Capital One to pay this bill in full and close this account. On XX/XX/2019, I sent the P.O.A and pertinent info they requested by fax. In the meantime I have had numerous conversations with them to pay this account. They refuse to send the monthly bill, have denied me online access and tell me I can make a payment by naming an amount to pay. They will not tell me the balance or anything else. I received a letter dated XX/XX/XXXX, that the have deemed my POA not valid because they added more stipulations that were not stated before. Also it takes them weeks to review a POA. Now they are stating they need to know my citizenship, if I am a resident of US and what my yearly salary is and where I work. This is not what makes a POA invalid. I am retired, does that preclude me from acting on my fathers behalf. I have it on record by them refusing to allow me to pay off this account, that the account will go into default for nonpayment. This is a tactic now by the bank to stall so that interest and penalties are accrued on this account. I want access to this account without delay and close this account permanently.
Company Response: Closed with explanation

Timely Response