CAPITAL ONE FINANCIAL CORPORATION

2019-03-27

Snyder, TX

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

2019-03-27

North Hollywood, CA

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

2019-03-27

Library, PA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-03-27

Hillsdale, NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-27

Phila, PA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-03-26

East Rockaway, NY

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

2019-03-26

Boston, MA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I made a purchase at Kohl 's Store the Order Date : Monday, XX/XX/XXXX at XXXX XXXX ( CST ), this purchase never came to the house even though the tracking number indicated that it had been delivered in the home. I called the USPS that was where they received the package through UPS, and they did an investigation and said the package was delivered at the wrong address or was lost. Then I made the claim to the Kohl 's store and they started an investigation and determined that the package was lost and that they were going to replenish the money to the credit card of the Kohl 's store, but from the date they keep charging me and sending invoices with delay fee that are increasing and that are damaging my credit. The strangest thing is that in more than 7 claims that I have made, in the last claim I made they told me the order was received back to one of their stores several months ago and today XXXX, XXXX XXXX, even they still charge me the bill and damaging my credit and not result.
Company Response: Closed with explanation

Timely Response

2019-03-26

Pinellas Park, FL

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: Pulled credit report and saw inquiries on my account, I tried reaching out to the credit bureau they explained to me that I must contact the actual company and I did that as well and is getting no where.
Company Response: Closed with explanation

Timely Response

2019-03-26

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: Unauthorized Inquiry
Company Response: Closed with explanation

Timely Response

2019-03-26

Hollywood, FL

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-03-26

Milwaukie, OR

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
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Baton Rouge, LA

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2019-03-26

Burbank, CA

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
Company Response: Closed with explanation

Timely Response

2019-03-26

Ormond Beach, FL

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-03-26

Philadelphia, PA

Closing your account

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

Company closed your account
Complaint: I had a Capital One credit card with a {$300.00} dollar credit limit. I recently went through a very hard financial struggle and lost my job. In result I was unable to make consistent payments to my bill. The credit company would not work with me on lower my interest fees or postpone payment due dates and continued to charge me. When before I went through financial troubles I was making all my payments 100 % ahead of the due date. My last payment was on XX/XX/2018. I lost my job XX/XX/2018 and the company continued to charge me high interest rate which resulted in the credit grantor closing my account and leaving a negative remark on my credit of {$420.00}.
Company Response: Closed with explanation

Timely Response

2019-03-26

Murray, UT

Other features, terms, or problems

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

Other problem
Complaint: Capital One has two similar credit cards. The Capital One Venture Card and the Capital One VentureOne card. There are a few differences including number of points awarded and the Venture Card has an annual fee. I have the Capital One VentureOne card. On Capital One 's website I saw an advertisement that they would waive the Global Entry or TSA fee if using their card to pay for the application fee. It was a recent offering, XX/XX/2018 and I've had the card a few years prior. I called and confirmed I would be eligible, so I signed up, it was {$100.00} application fee. They stated it would take 1-2 billing cycles to be reimbursed. After a month I called again, confirmed it would be reimbursed and to wait another month. After month 2 it still wasn't reimbursed I called again and was informed this was only eligible for the Venture Card, not the VentureOne card I had. I feel this is deceptive to have two cards with very similar names but different features and I was told it would be reimbursed.
Company Response: Closed with monetary relief

Timely Response

2019-03-26

Mae, WA

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with monetary relief

Timely Response

2019-03-26

Walden, CO

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
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Colo Spgs, CO

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
Complaint: This company has charged back several disputes based on their own opinions. I let the XXXX go for a flight I NEVER took and company promised the credit would be returned and NEVER did. So I turned to capital one and they charged it back with no proof I took a flight or reaching out to company. I let a XXXX transaction go for an item that was ALLEGEDLY left on my door step go and states it was delivered because there was a tracking number. But I never recirved this alleged item and refused to let me dispute it again. I called and advised them I didn't authorize a XXXX transaction for a car deal that was being disputed and now they are attempting to charge it back. The company hasn't responded. I didn't state fraudulent or contested this charge back. I stated It wasnt authorized at that time on XX/XX/19. I was in process of purchasing a vehicle and it sat on their lot for almost a month. And still haven't provided the guaranteed work on the vehicle.. And company didnt abide by the contract. The reps are putting in disputes as a reason for whatever they decide and consumers are being held liable for transactions they can not confirm on facts was received or delivered. I NEVER stated it was fraud I stated was not authorized at the time of the charge and XXXX XXXX didn't abide by a written agreement. We are still in a contract dispute because promises weren't kept. Clearly they don't listen to calls when customers call in for disputes. The rep XXXX XXXX Just stated being charged back because a chip was used. Never stated I didn't give them the card it wasnt supposed to be charged at that time and still haven't been resolved with contract. AND FOR HER INFORMATION CHIPS CAN BE UTILZED AND DUPLICATED. I have proof of this when my capital one debit card was used to deduct cash in Texas while I was at work in COLORADO on SHIFT and capital one STILL hasn't advised me how my card that was n MY possession was used and my ENTIRE check deducted from an ATM in Texas. And they credited THAT back AND IT HAD A CHIP. Funny it was a capital one card that was embedded with EMV chip to prevent access by counterfeit card. Since she's utilizing this as a reason to charge back the XXXX. Even though that wasn't the reason for initial dispute.
Company Response: Closed with explanation

Timely Response

2019-03-26

Mesa, AZ

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

2019-03-26

Wichita, KS

Incorrect information on your report

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

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

Timely Response

2019-03-26

Nashville, TN

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
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Lake Charles, LA

Getting a credit card

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

Application denied
Complaint: On XX/XX/2019 Capital One Bank mailed me a denial letter to inform me that my credit card application request can not be reviewed at this time because : based on the application information, income is insufficient for requested credit. Application ID : XXXX NOTE : I did not apply with this or any other bank in attempt to obtain any credit accounts whatsoever.
Company Response: Closed with explanation

Timely Response

2019-03-26

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

2019-03-26

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