CAPITAL ONE FINANCIAL CORPORATION

2019-04-02

Temperanceville, VA

Problem when making payments

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

Problem during payment process
Complaint: I had an account ( credit card ) with your company since XX/XX/2014 which it was charged-off, this account was under the management of XXXX XXXX XXXX, they affirm that this account has been paid off according to the settlement.
Company Response: Closed with explanation

Timely Response

2019-04-02

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Capital One says i owe XXXX $ .When i never opened a account with them.
Company Response: Closed with explanation

Timely Response

2019-04-02

Brooklyn, NY

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2019-04-02

Temperanceville, VA

Problem when making payments

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

Problem during payment process
Complaint: I had a Capital One Bank credit card opened in XX/XX/2016 thas has been marked charged-off with an original charge-off of {$710.00}. This account was manage by XXXX XXXX XXXX out of California, the company settle my account with Capital One and base on what they told me the account was paid per that agreement.
Company Response: Closed with explanation

Timely Response

2019-04-02

Kawaihae, HI

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Capital one owes me points accumulated on a credit card which were going to be used in order to pay the credit cards balance. Instead the company closed the account suddenly without warning and sent the account into collections.
Company Response: Closed with explanation

Timely Response

2019-04-02

Arco, CA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Been having credit problems. Tried to close accounts but cant.Now my credit scores is low. Am a father with XXXX lovely children. Tierd of paying rent. Me as a father just want to have my own home but all these hard inquiry wont let meget a loan any where. P.s please help me with my credit
Company Response: Closed with explanation

Timely Response

2019-04-02

Dubberly, 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
Company Response: Closed with explanation

Timely Response

2019-04-02

Dubberly, 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
Company Response: Closed with explanation

Timely Response

2019-04-02

San Antonio, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-04-02

Philadelphia, PA

Getting a credit card

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

Delay in processing application
Complaint: I am getting the round around from the customer service department of Capital One. I am an existing customer and I am being treated like a criminal!! I have an account with this company and I am being treated like a number with them. I am trying to activate my card and I am told that it may take up to two weeks. I called the fraud division today two times and I was hung on the first time and I was put on hold for 11 minutes the second time. I opened a new card on XX/XX/XXXX and was told to fax in my utility bill and other private information ( social security and ID ). After a week I called to check on the status of my card. I was told that the fax I was told to send was blurry and they then told me to download the same information from my cell phone and that they would then activate my card. It has been 4 days and my new card is still not activated! When I call to ask why it is not activated I am put on hold for 11-20 minutes and then the customer service rep hangs up on me. This is the worst customer service I have had in years especially since I already have a card account with this company. I have called to verify that I am the consumer but no one will treat me with respect. They are saying that I am a liar and that I am not the person who opened this account when I have faxed and downloaded information through my cell phone! This company is rude and the customer service is terrible!
Company Response: Closed with explanation

Timely Response

2019-04-02

Dubberly, 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
Company Response: Closed with explanation

Timely Response

2019-04-02

MI

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: My Menards card was declined in the store on XX/XX/XXXX. I called Menards Billing at XXXX, spoke w/XXXX who said the account has been closed due to " months and months '' of non-payment. I explained my current bill ( XX/XX/XXXX thru XX/XX/XXXX ) showed {$330.00} due on XX/XX/XXXX, which was paid in full on XX/XX/XXXX. Further, there was a {$62.00} payment made on XX/XX/XXXX, so there was no " months and months '' of non-payment. I did miss my XXXX payment, however I also explained that I had called Menards Billing regarding my bill each month to let them know I was experiencing hardship due to an XXXX injury resulting in XXXX to my XXXX XXXX, requiring XXXX in early XX/XX/XXXX, which left me unable to work during all of XXXX and most of XXXX. I also explained at that time that I now have new employment working for the XXXX XXXX system, and my income is increased substantially. XXXX was apologetic, however he said the account has been closed and nothing further can be done. He welcomed me to apply for new credit if I still wanted to do business with Menards. I never received any notification of impending account closure, neither via phone call or email, and my account was paid in full on XX/XX/XXXX. In addition, when I log on to my account billing, it shows a current balance of {$0.00} with available credit of {$3500.00}, giving appearances of the account being active and in good standing. Please assist! I would like for my account to be re-opened in good standing with no reduction in credit. Thank you, I appreciate your expertise!
Company Response: Closed with explanation

Timely Response

2019-04-02

NY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX Is calling me and family members I am no longer in contact with constantly. This is regarding a supposed debt from XXXX XXXX from 2012, which I have disputed. There is no outstanding account from this bank on my credit report. If indeed it is something from 2012, I find it ironic that they are calling me now to collect just under the seven year deadline. XXXX XXXX is using abusive threatening language, hanging up on me when I ask for documentation, accusing me of being unintelligent, and ar overall rude. I want these calls to stop immediately and Ive asked them to stop calling my family. They refused to do so and are threatening to come to my house with legal papers. I asked them to send me something in writing, which I believe is my right and they refused to do so. They tell me I have to get a lawyer to contact them.
Company Response: Closed with explanation

Timely Response

2019-04-02

Greensboro, NC

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

2019-04-01

Newport News, VA

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2019-04-01

Tampa, FL

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

2019-04-01

Bartlett, TN

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

2019-04-01

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

2019-04-01

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 on my XXXX and XXXX XXXX credit report for Capital one Bank on XX/XX/2019 I have NEVER applied for a Capital one card and need this removed. I have contacted Capital One to verify that a credit card was not opened under my name and they said there was not a open acct for me.. I asked about this inquiry and getting it removed from these 2 reports, and they said I need to mail them a letter and it could take up to 60 days. It takes 1 day to place this on my report I need it removed.. I am trying to obtain financing and this inquiry is making my report not look good and
Company Response: Closed with non-monetary relief

Timely Response

2019-04-01

NY

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: This is an inquiry on my credit report that I do not recognize.
Company Response: Closed with explanation

Timely Response

2019-04-01

Bayway, NJ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: On XX/XX/2019 I called the Kohls company and spoke to XXXX, employee ID XXXX. He advised me that even though I could make the full payment and clear the account, the late fee of {$27.00} would not be waived. This fee is assessed immediately despite good past billing, etc.
Company Response: Closed with monetary relief

Timely Response

2019-04-01

Fresno, CA

Other features, terms, or problems

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

Other problem
Complaint: We are a public radio station and we do the usual things for fundraising -- direct mail, pledge drives and on line web form. Our call letters are XXXX ( XXXX, CA XXXX FM ) If anyone with a CapitalOne Credit Card makes a pledge it goes through, and we get the money deposited in our account. Then Capital One sends our customers ( donors ) a statement and instead of listing XXXX on the statement it shows " XXXX-Other Services '' and has the XXXX XXXX XXXX XXXX logo with a picture of XXXX XXXX. Customer freaks out " I didn't buy {$100.00} of chicken -- someone must of stolen or hacked my card!! '' and files a fraud report. Then XXXX/XXXX deducts the money they donated PLUS a {$35.00} " Charge Back FEE '' from our account!!
Company Response: Closed with monetary relief

Timely Response

2019-04-01

Ft Lauderdale, FL

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-04-01

MD

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 mailed a complaint to Capital One in XX/XX/XXXX stating that they had mad unauthorized inquiries on my credit report. I received a response without any notations as to how they concluded that I had authorized the inquiry. Capital One 's negligence has caused harm to my credibility and to my government clearance. Here are the dates of the inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-01

CT

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 did not complete the process to obtain a Capital One Bank USA credit card on XX/XX/2019 and had recieved a message stating the application would be cancelled and would not be processed because they needed more information, which I never provided. It shows up as a hard inquiry on my credit report even though I was told the application would be cancelled and never processed.
Company Response: Closed with explanation

Timely Response