CAPITAL ONE FINANCIAL CORPORATION

2019-03-25

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

2019-03-25

Bordentown, NJ

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

2019-03-24

Maricamp, FL

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

2019-03-24

Charlotte, NC

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.
Company Response: Closed with explanation

Timely Response

2019-03-24

Smoke Rise, GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXX. In retaliation, XXXX XXXX called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by Ms. XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by XXXX XXXX has been reported on my XXXX Credit file by XXXX XXXX. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and XXXX XXXX is attempting to collect this debt once more.
Company Response: Closed with explanation

Timely Response

2019-03-24

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. This account needs to be removed from my credit files immediately.
Company Response: Closed with explanation

Timely Response

2019-03-24

Durham, NC

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-03-24

Harsens Is, MI

Incorrect information on your report

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

Account status incorrect
Complaint: I have two capital one credit cards ( XXXX & XXXX ) that show closed and paid on all my credit reports in CLOSED ACCOUNTS.I have disagreed and tried many times to have these two accounts removed/disputed from all credit reports.The one account opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill the payment agreement and capital one stopped and closed the account.After they did that, I called capital one in XXXX for arrangement to pay the remaining and negotiated deletion if I finish paying of this account on my credit report which capital one did not fulfill there end of the bargain.As of XX/XX/XXXX, its on my credit report under closed accounts on all three reports.The second account was opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill my payment obligation.In XXXX I called capital one to arrange payments to pay off credit card and in return the remove this account from all credit reports which they agreed on.As of XX/XX/XXXX, its still on all credit reports under CLOSED ACCOUNTS.I made several attempts to get these accounts removed.There statements and comments are false.Capital one will not cooperate
Company Response: Closed with explanation

Timely Response

2019-03-24

Seneca, SC

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: South Carolina .Hi, This is regarding fraudulent activity of credit card dispute with Kohl 's. We are charged with XXXX , and we didn't use the credit card. We reported to Kohl 's customer care 5 times and to credit bureau 2 times but still issue was not solved.Upon that we are even charged with interest rates. Please help us regarding this. We are in hopeless situation.
Company Response: Closed with monetary relief

Timely Response

2019-03-24

Boston, MA

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 dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAY LATE 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

2019-03-24

Tacoma, WA

Closing your account

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

Company closed your account
Complaint: I made my first couple payments with my savings account. They were accepted with no problem. When I tried to make my next payment it said accepted. Then it was returned. So I tried again and it was returned again. This brought my XXXX credit limit over by XXXX. I called to make sure my account would not be closed due to the overlimit and returned fee and I was reassured everything was fine. A day later my account was closed due to returned payments. I do not feel this was fair. I made all my payments on time and was never told I could not use my savings account. I would like my account reinstated. Thank you
Company Response: Closed with explanation

Timely Response

2019-03-24

OH

Fees or interest

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

Unexpected increase in interest rate
Complaint: My interest rate increased from 16.15 % to 20.15 %, without any notification of this in advance. After calling in twice ( the first time the call was disconnected from the companies end ) I was told the 16 % interest rate was a proportional Offer, and no interest rate other than what was originally given upon account opening is permanent. This is an unfair practice, given that I first opened this account as a college student, with little credit history, so that interest rate would be higher than those at the same Credit level I currently have.
Company Response: Closed with explanation

Timely Response

2019-03-24

New Market, AL

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 went to XXXX XXXX XXXX on XXXX19. They had hard inquiries placed on my report repeatedly without my consent..The first was Capital One Auto Finance and the other was XXXX XXXX XXXX.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..
Company Response: Closed with explanation

Timely Response

2019-03-24

Fond Du Lac, WI

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

2019-03-23

AR

Incorrect information on your report

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

Account status incorrect
Complaint: CAPITAL ONE BANK IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.
Company Response: Closed with explanation

Timely Response

2019-03-23

VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from captial one that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also
Company Response: Closed with non-monetary relief

Timely Response

2019-03-23

Brentwood, NC

Communication tactics

Debt collection: Mortgage debt

Used obscene, profane, or other abusive language
Complaint: Under FDCPA Section 807 ( 8 ) : XXXX XXXXXXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage has failed to report this disputed debt to the credit bureaus. In addition, XXXX XXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage did not validate debt yet continue to pursue collection activity by filing a lawsuit against me which is a violation under FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. XXXX is now communicating selling my loan to another servicer without furnishing documents of their agreement with GreenPoint Mortgage collection dept.
Company Response: Closed with explanation

Timely Response

2019-03-23

Newark, NJ

Problem when making payments

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

Problem during payment process
Complaint: IamtryingtodoaabalancetransferfromCapitalOnetoXXXXXXXXXXXXXXXX.XXXXXXXXsendsoutphysicalchecksaspartofthebalancetransferprocessandsentCapitalOneacheckfor{$7200.00}onXX/XX/2019.TheCapitalOnehasnotcashedthecheckandthebalancehasnotbeentransferred.IcontactedCapitalOneaboutthistodayandwastransferredtoatoaseniorsupportrepresentativewhocalledXXXXXXXXona3waycall.Thedateofthecheck,addressandamountwereconfirmedbyXXXXXXXXbuttheCapitalOneRepresentativestatedthattheywouldnotinvestigatetheissue,orseeiftheyhadreceivedthecheckuntilthecheckhadbeencashedbycapitalone.TheXXXXXXXXRepresentativestatedthatthereareanumberofXXXXXXXXmemberswhoarehavingthesameissuewithCapitalOnenotprocessingthechecksmailedtothemaroundthesametimeandareinvestigatingtheissue.NospecificsweregiventomeandCapitalOnerefusedtoinvestigatetheissuecompletely.
Company Response: Closed with explanation

Timely Response

2019-03-23

CA

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

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

Problem with personal statement of dispute
Complaint: I have a Capital One credit card that I have never been late on paying. Apparently, I had a charge from XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of Capital One that their system sent out a report to XXXX and XXXX that I was 30 days late, which has impacted my credit score. I did contact XXXX and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from XXXX showing that the 30 day delinquency is still on my credit report. Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through no fault of mine.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-23

Slidell, LA

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

2019-03-23

Lk Buena Vis, FL

Credit monitoring or identity theft protection services

Credit card or prepaid card: Store credit card

Billing dispute for services
Complaint: On XX/XX/18 I Accidentally Missed One of my payments for the first time ever with my Department Card. After realizing the issue and not receiving a bill in the mail, I payed the bill immediately the same day I realized my accident. I have never missed a payment on any card and was refunded a late charge by kohl 's. They were able to refund me a late charge of {$38.00}.
Company Response: Closed with explanation

Timely Response

2019-03-23

Amarillo, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Closed with explanation

Timely Response

2019-03-23

Norwalk, CA

Other features, terms, or problems

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

Other problem
Complaint: i had apply for gm buypower capital one credit card never used it but in XX/XX/XXXX i got my statement and saw a balance contact capital one regarding this and iopen a fraud investigatigation since i never had used my card during all this i was in the process of buying a house so this was affecting my credit since i never used it i never made payment i was advice by capital one that to pay it off since it was the fastest way to fix my credit and once the investigation came to and end they will etheir credit or send me a refund if it wasnt actually fraud so i made the payment in XX/XX/XXXX i made the full payment bringing my account to {$0.00} i wasnt never abe to acces my account since the person who was using my account call capital one and put a security code and request another card capital one would never give me information cause didnt know that code after a while i call capital one to see if my account was still active on XX/XX/XXXX it turn out that i found out i had another balance and my account was charge off and the account was closed and open another fraud investigation soon XX/XX/XXXX this was came in my favor so i ws going to get a refund in 10 to15 days i recieve a letterand also have voice mail saying that after they toldme i need to send statement saying the payment was made and statement if all the information nothing crossout since the account that i made the payment was fro my sister they request her to send a letter wand we did after that i got an voicemail saying she had to call and give a verbal statement saying she gave me permision to used her acount to make the payment after everything they had ask was send and done XX/XX/XXXX they told me i wasnt going to get the refund because i didnt pay this from my bank account and to call the bank and have them do a stop payment that imposible because this payment of {$2700.00} was made in XX/XX/XXXX and its been pay to gm buypower capital one credit card
Company Response: Closed with monetary relief

Timely Response

2019-03-23

CT

Incorrect information on your report

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

Account status incorrect
Complaint: Capital One account had multiple charges that either didn't belong to me or where incorrect. This led to the account going over the limit. Capital One refused to fix multiple errors, then charged late fees, overdraft fees and refused to agree to a repayment plan or remove the additional charges I was being assigned in error. I then started working with a credit repair company, at Capital One 's insistence, made payments ( the credit company said the terms they quoted were what Capital One agreed to ) and repeatedly told the credit repair company that the modifications Capital One were requesting was authorized. In the meantime, even though I made the payments timely and at the level requested initially, Capital One marked my account 120 days late.
Company Response: Closed with explanation

Timely Response

2019-03-23

Ridgeway, CT

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