CAPITAL ONE FINANCIAL CORPORATION

2019-04-09

Wallington, NJ

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: UNKNOWN INQUIRE ON MY CREDIT BUREAU OF XXXX AND XXXX DATE OF XX/XX/2018 NAME OF COMPANY CAP1/XX/XX/XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Wallington, NJ

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: ************UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX XXXX XX/XX/2017 NAME OF COMPANY CAPITAL ONE
Company Response: Closed with explanation

Timely Response

2019-04-09

Bancroft Hall, MD

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XX/XX/XXXX-I contacted Capital One bank regarding fraudulent charges from my checking account. I live in Maryland and someone had stolen my credit card number and had created a new card in California. They helped themselves to my checking account over the course of three years totaling over {$24000.00} in fraudulent charges. These purchases were made at the same 3-4 gas station three times a week in XXXX, CA, XXXX, CA, XXXX CA, and XXXX, CA. The amounts were ranging from $ XXXX {$74.00} per transaction. I contacted Capital One and disputed the charges.The agent XXXX, was able to pull my account and informed me that someone had created a new card with a different number that was linked to my account. Because there were so many transactions they referred me to their fraud department. I submitted 10 different claims with them totaling 440 transactions from my account. XX/XX/XXXX, XXXX I received 10 different letters from Capital one denying my claims stating " We finished looking into your claim and didn't find that any error had happened. '' I called Capital One back and requested to speak with the investigator. He then proceeded to tell me that back in XX/XX/XXXX I was issued a temporary card, and that the temporary card was what was used to make the fraudulent charges. In his explanation I was to be held responsible for the charges because the temporary card was issued to me. I explained to him that I live in Maryland and have not traveled to California, nor do I have any family members/friends that are in California. These charges were not authorized.
Company Response: Closed with monetary relief

Timely Response

2019-04-09

Orange, CA

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

2019-04-09

Fraud or scam

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

Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Leeton, UT

Other features, terms, or problems

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

Other problem
Complaint: I opened an Capital One secured credit card on XX/XX/2019 and paid two separate deposits of {$49.00}, a total of {$98.00} and a few days later I decided against the idea of a secured credit card so I called and canceled it. The representative told me that Capital One will refund me my {$98.00} deposit via a check within 2 weeks but they never did, Ive called several times over the last 2 months and I keep getting excuses on why I havent received my refund followed by the representatives telling me just give it two more weeks, theyll make sure I get it this time I just dont know why a financial institution as big as Capital One is trying to steal {$98.00} from me.
Company Response: Closed with explanation

Timely Response

2019-04-09

CT

Closing your account

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

Can't close your account
Complaint: I would like to update complaint # XXXX submitted on XX/XX/19 : I received a call ( XX/XX/XXXX ) from Capital One the day after the complaint was filed. I was assured that my refund from my secured card would be processed and the check would be cut and sent to me by Saturday ( XX/XX/XXXX ). I received a call on Friday from a representative in what they called the Executive offices on Friday, I tried to call several times and when I dialed her extension, it was always a busy signal. I finally called and requested any Executive representative to help me, I spoke to XXXX who I let him know I was trying to get to a certain representative. He looked into my account and said that they have not cut the credit check to me because they needed to confirm my address and to ask if I would like the check cut! I again said YES, please send me the credit check on my account that has been closed for over a month. He now assures me that I will receive the check in 7-10 days. Lots of apologizing and no reason given for keeping my {$420.00} for so long. How can a company hold hostage money that is due to a customer.
Company Response: Closed with monetary relief

Timely Response

2019-04-09

Struggling to pay your bill

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

Problem lowering your monthly payments
Company Response: Closed with non-monetary relief

Timely Response

2019-04-08

Auburn, ME

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

2019-04-08

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-08

Peekskill, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-08

Boston, MA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-04-08

Lafayette Hl, PA

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 XXXX and XX/XX/XXXX, 60 days late in XXXX and XX/XX/XXXX and 90 days late in XX/XX/XXXX 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 monetary relief

Timely Response

2019-04-08

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2019-04-08

LA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On Monday XX/XX/2019 at XXXX XXXX four {$250.00} withdrawals were made from my checking account at CapitalOne using XXXX. I have never opened a XXXX account. I did not receive any notifications regarding these withdrawals. CapitalOne claims to be working on the problem but it has been two weeks without a resolution. My profile on CapitalOne contains a bogus mobile number at which to contact me. I have tried to change that to a valid number but Capitalone 's system will not allow me to. CapitalOne has been investigating that for two weeks again with no resolution.
Company Response: Closed with explanation

Timely Response

2019-04-08

Brooklyn, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Capitol one recently started allowing the transfer of their reward points to airline frequent flyer programs. Their points are valued by capital one at XXXX cent per point. I currently have XXXX points and change. Capital one sent me an email advising me of a unique opportunity to transfer to emirates airlines. Checking that they had a flight available for my dates, I initiated a transfer of XXXX miles. a day later I discovered that capital one reversed my transfer and restricted my online access. I was informed I needed to send the following pieces of information : Drivers license, SS card, Utility bill and Frequent flyer account screenshot. All of which was done immediately. Multiple representatives informed me of a XXXX - XXXXXXXX XXXX resolution time to verify my identity and restore access. This was as of XX/XX/XXXX. It is now XX/XX/08 and I still don't have any resolution. Capital one keeps on informing me that they're reliant on a third party vendor to verify documents and until then they can't get the back end team to lift the restrictions. I can not use my credit card for any purchases in the meantime, nor can i manage my account online. Capital one has informed me that this may take as long as 4 months. I am flabbergasted that I can be subjected to such apparent abuse by a financial company who clearly is looking to get customers to forfeit their points rather than have customers redeem it.
Company Response: Closed with explanation

Timely Response

2019-04-08

South Chatham, MA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-04-08

NC

Fees or interest

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

Charged too much interest
Complaint: I paid my account in full and Capital One continue to charge me interest on my account when it was at a zero balance. My account was paid in full and the failure to disclose any additional interest due or fees associated with that is a violation of fair collection practice. A reps told me that is not an option when paying online. They said they will not disclose any additional fees or interest and you would have to wait until next billing statement.
Company Response: Closed with monetary relief

Timely Response

2019-04-08

Fairport, NY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-04-08

MN

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
Complaint: I recently purchased a $ XXXX On XXXX using my capitalone venture one card to I receive the 10x points promotion/partnership and when I didnt I called them and they said it had to be booked through a certain website but that wasnt told to me when I called in XXXX and changed my credit card to that card in order to receive the card by the individual on the phone. This was very misleading and unclear as when I called a month prior to my most recent phone call I was told if it didnt appear I could receive a 1 time addition of points to correct the issue, but to wait until the end of this billing cycle when they told me that they dont support anything like that at this time.
Company Response: Closed with explanation

Timely Response

2019-04-08

Madison Park, LA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-04-08

Co Spgs, CO

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-04-08

CT

Problem when making payments

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

Problem during payment process
Complaint: I have a capital one XXXX card and the bank is not crediting my payments on the date of receipt in accordance with the Truth in Lending act section 1026.10 ( a ). for example I made a payment via web electronically thru their app of {$900.00} on XX/XX/XXXX which they received XX/XX/XXXX ( XXXX ). I had to call today to get the payment " hold '' released. they wont tell me why my payments get held nor when this might stop but I know its against the law. i work in banking and I know that by holding payments, they increase their income tremendously. it needs to stop. this is the third tome in a month I've had to call to get my payment credited. please tell me how to help them understand truth in lending ;
Company Response: Closed with explanation

Timely Response

2019-04-08

Las Vegas, NV

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-08

Poughkeepsie, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am looking for a refund on a fraudulent credit card payment with Capital One and money for my trouble. Capital One does not seem to want to get back to me regarding the issue. What should I do? Please investigate the total amount I paid. I also requested XXXX. for my trouble. Also, XXXX won't seem to take something off my credit report.
Company Response: Closed with explanation

Timely Response