CAPITAL ONE FINANCIAL CORPORATION

2019-04-11

San Francisco, CA

Fees or interest

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

Problem with fees
Company Response: Closed with non-monetary relief

Timely Response

2019-04-11

Bluffton, SC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with monetary relief

Timely Response

2019-04-11

Blackbird, DE

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Hello, several months ago I called Capital One to update my name from XXXX XXXX to XXXX XXXX XXXX ( my name changed due to marriage ). I provided Capital One with all required documentation. My name was changed successfully - I was issued new cards with my correct name for all of my credit cards and debit cards. My husband called Capital One about a week ago to request new checks on our joint Capital One Interest Online checking account. We received the checks earlier this week. When we reviewed the checks, my name was spelled incorrectly with the former spelling ( XXXX XXXX ). We called Capital One to inquire as to what happened. We were told that while my name was updated for all of my credit cards and 360 bank account, the name was not changed with the Interest Online checking account. So we asked the rep to simply look at the existing accounts that I have and make the name update, to which we were told Capital One can't do that without proper documentation ( marriage certificate and drivers license ). We advised the rep that we've already worked with Capital One to provide everything needed for all my other accounts and the rep advised that he still couldn't do it because " the procedures for the Interest Online checking account are different ''. I've attached a copy of my marriage certificate and drivers license to this complaint. I'm not sure why one area of Capital One can not talk to the other, but can someone please update my name on our Interest Online checking account to XXXX XXXX XXXX and reissue us a new set of checks with the correct name? Thank you.
Company Response: Closed with explanation

Timely Response

2019-04-11

Orange, TX

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

2019-04-11

Chicago, 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: I have a inquiry From XXXX XXXX in XX/XX/XXXX. I have a inquiry from XXXX in XX/XX/XXXX. I have a inquiry from XXXX XXXX XXXX In XX/XX/XXXX. I have a inquiry from XXXX XXXX XXXX in XX/XX/XXXX. I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX. I have a inquiry from capital one in XX/XX/XXXX. I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX. I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX. I have a inquiry from Capital one in XX/XX/XXXX. I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital One Auto Finance In XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-11

San Jacinto, CA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I opened a business credit card with a promotional 0 % interest rate for 9 months. Card was issued on XX/XX/2019 and email indicated the promotional rate of 0 % was good for 9 months. There was no fine print in the email confirmation I received indicating their terms would require the total outstanding balance of the 8th monthly statement would have to be paid to avoid incurring interest charges. I should have had until the due date of that 9th statement ( XX/XX/2019 ) before any interest was charged. However, with the 9th statement on XX/XX/2019 ( less than 9 months from when the card was opened ), the company charged me interest on the ending statement balance. When I called, they advised me that the fine print of the promotional literature I should have received in the mail indicated I had to pay off that balance on or before the due date from the 8th statement, not the 9th ( meaning pay it off by XX/XX/2019 ) which is actually less than 9 months, and that there was no additional grace period. I called to get the issue resolved, and the company did agree to credit back the interest charge, but would not correct the grace period end date. I've dealt with 0 % interest offers from a number of other credit card companies, and they always offer that interest rate through the due date for the payment due associated with the 9th statement, not the 8th statement.
Company Response: Closed with monetary relief

Timely Response

2019-04-11

Beyersville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: In XX/XX/2019 XXXX XXXX XXXX inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that XXXX XXXX XXXX has been furnishing debts bought from Capitol One Bank and attempting to collect these invalid debts from me. I responded to XXXX XXXX XXXX & Capitol One on XX/XX/2019, XX/XX/2019, and XX/XX/2019 via certified online mail with a cease and desist letters and I also sent a certified letter asking them to furnish proof of standing. They both have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against Capitol One and XXXX XXXX XXXX. My family and I are in the middle of purchasing a home. This behavior is unacceptable. The failure on behalf of the creditor, Capitol One and collection company XXXX XXXX XXXX have cause great pain for my family and I. Here 's a copy of my latest letter " XX/XX/2019 ( Removed for publishing purposes ) XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding account # ( Removed for Publishing purposes ), which you claim I opened XX/XX/2019. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : ( removed for publishing purposes ) P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ''
Company Response: Closed with non-monetary relief

Timely Response

2019-04-11

Minneapolis, MN

Trouble using your card

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

Can't use card to make purchases
Complaint: This is the fifth attempt to resolve with Capital One the issue about my credit card account with them. They all of the sudden on XXXX limited my card and I couldn't use it at all also there are unauthorized charges on my card that I am unable to file because of this limitation. I send them the information they requested my SSN card, MN DL and SSN verification form. I had the account for several years and there asking for this information, very disrespectful. After I sent the documents they requested they asked for my bank statement for the account I made a payment from which I refused. Now I would like to have my account closed however I can't do that before I fill a claim on the unauthorized charges on my account. Capital One is being unhelpful in resolving this issue.
Company Response: Closed with explanation

Timely Response

2019-04-11

Vero Beach, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-04-11

Orange, TX

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-04-11

Oxford, GA

Getting a credit card

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

Application denied
Complaint: I applied for a credit card with Capital One. In response, I received a letter dated XX/XX/XXXX stating, in part, that : " ( W ) e were unable to verify the following information : Address '' and requested that I call immediately. After being on hold for more than 15 minutes, I spoke with " XXXX '' who told me my address was fine. They had to verify my identity and want my driver 's license. I told him that should have been requested in the letter. I also told him I refused to provide driver 's license information over the phone. I told him Capital One 's business practices were deceptive and he told me he would cancel my application. Capital One should write an honest letter and provide justification for the information they are requesting. Since other companies approve online applications, Capital One should do so too. If their application isn't complete online, they should update it or remove it.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-11

Gloucester City, NJ

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
Complaint: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : CAPITAL ONE, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-11

Queen City, MO

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
Company Response: Closed with explanation

Timely Response

2019-04-11

MN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On multiple occasions I have attempted to dispute fraudulent charges and transactions on my account ( s ), I spoke with a representative from my financial Institution on Thursday XX/XX/2019. I advised them of the following situation, which permits my ability to file as a victim of identity theft, I advised them that on XX/XX/2019- I made a purchase on my account, that was the last purchase that I authorized on that account, Since then I have not made any purchases on that account, Aside from ATM withdrawals, and managing the settings and preferences on that account, the following transactions are the said unauthorized transactions. Date varies as well as transaction amountsXX/XX/2019- {$8.00} XX/XX/2019- {$9.00} XX/XX/2019- {$10.00} XX/XX/2019 - {$39.00} XX/XX/2019 - {$20.00} XX/XX/2019 - {$160.00} XX/XX/2019 - {$30.00} XX/XX/2019 - {$86.00} XX/XX/2019 - {$99.00} XX/XX/2019 - {$58.00} XX/XX/2019 - {$120.00}XX/XX/XXXXXX/XX/2019- {$5.00}XX/XX/2019- {$27.00} XX/XX/2019- {$16.00} XX/XX/2019- {$22.00} XX/XX/2019- {$18.00} XX/XX/2019- {$24.00} XX/XX/2019- {$17.00} XX/XX/2019- {$11.00} XX/XX/2019- {$2.00} XX/XX/2019- {$1.00} XX/XX/2019- {$8.00} XX/XX/2019- {$1.00} XX/XX/2019- {$12.00} XX/XX/2019- {$12.00} XX/XX/2019- {$6.00} XX/XX/2019- {$80.00} XX/XX/2019- {$16.00} XX/XX/2019- {$8.00} XX/XX/2019- {$18.00} XX/XX/2019 - {$2.00} XX/XX/2019 - {$12.00} XX/XX/2019 - {$4.00} XX/XX/2019 - {$6.00} XX/XX/2019 - {$21.00} XX/XX/2019- {$6.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$10.00}
Company Response: Closed with explanation

Timely Response

2019-04-11

Oxford, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: According to my credit report Khols/CapOne is reporting an alledge debt of {$250.00}. I have contacted via mail for any information to validate the reported account and have never been contacted. Also this account is over 7 years dated from the reported last payment which again i don't even know what this account is and to my knowledge is NOT mine. I have never entered into any contract written or otherwise with this company and am requesting any/all documents that would specify anything supporting I owe this debt.
Company Response: Closed with explanation

Timely Response

2019-04-11

Macclenny, FL

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: I opened a Kohl 's Charge card in XXXX. Like most Americans, I sit down every two weeks and pay the bills. It's pretty simple, I open the statement, and send the payment. This Kohl 's account was no different. That is until XX/XX/XXXX. Kohl 's failed to send me a statement this month, and as such, I didn't make a payment. I never received any notice or correspondence that a payment was due, or that I was late..this is my wife 's card, so I just assumed there was no balance that month. Kohl 's waited 60 days to give me a " courtesy call '' and tell me that my payment was now 60 days late. I was floored. I paid immediately, but the company has refused to correct my credit history. This is a practice that less scrupulous card issuers use to justify raising the interest rates of cardholders that pay on time. It's a crooked business practice, and consumers should be aware not to open a Kohl 's Charge account.
Company Response: Closed with explanation

Timely Response

2019-04-11

Burl, NC

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-11

Discovery Bay, CA

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

2019-04-11

Blairstown, IA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-04-11

Phoenix, AZ

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-04-11

Baileys Crossroads, VA

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

2019-04-11

Billings, MT

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

2019-04-10

Tonto Basin, AZ

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 monetary relief

Timely Response

2019-04-10

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

2019-04-10

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with explanation

Timely Response