CAPITAL ONE FINANCIAL CORPORATION

2019-03-16

Jolly Acres, SD

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

2019-03-16

Bertram, IA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-16

Jupiter, FL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Complaint: I finance a XXXX XXXX to Capital 3years ago the car was accident today lost also i have gap therefore i don't understand why i have this bill i contacted them about them send them proof but still charge me and effect my credit will bad I already file a dispute and contacted still no change XX/XX/2016 ( 2 yrs, 10 mos ) Term 72 months Charged off as bad debt Dispute resolved ; reported by grantor
Company Response: Closed with explanation

Timely Response

2019-03-16

WI

Opening an account

Checking or savings account: CD (Certificate of Deposit)

Unable to open an account
Complaint: I am long time customer who attempted to open a CD with my bank-Capitalone.com. I contacted customer service after several online attempts to open an online CD. I was informed that I need a cell phone to receive a security code in order to open an online CD. I was explained that there is no other way to send me a security code, not via land line phone nor e-mail. I do not own an appropriate ( Capitalone.com ) approved cell phone. This is customer disservice, not to mention discriminatory. Apparently Capitalone considers cell phone ownership a secure means of verifying a persons identity. If security is genuinely the issue, then Capitalone should make the effort to be more inclusive. Instead of racial discrimination, Capitalone practices cell phone ownership discrimination. Can anything possibly be done to serve the customer instead of further encouraging a two class culture?
Company Response: Closed with explanation

Timely Response

2019-03-15

San Francisco, CA

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 explanation

Timely Response

2019-03-15

Stafford, VA

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

2019-03-15

MN

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Complaint: I opened a Capital One XXXX XXXX account in XX/XX/XXXX because there was an offer ( code XXXX ) saying if I transfer {$50000.00} from other financial services company by XX/XX/XXXX, I can get {$500.00} bonus. After opening, I transferred $ XXXX from other banks to this account by XX/XX/XXXX. The terms said I will get the bonus within 60 days, but till today, the bonus is still not posted. I contacted Capital One, and the agent told me I had a savings account with them and I did not transfer the money within 10 days of opening. I went back and looked at the terms more closely, and did not see the requirement of " within 10 days '' at all. All I see was open the account between XX/XX/XXXX and XX/XX/XXXX, and deposit by XX/XX/XXXX, which I did. The agent also said I had a savings account, but I don't remember that as well. Whenever I logged into my Capital One account, I only saw a credit card account I have with them. That was the only account I opened with Capital One before this XXXX XXXX account.
Company Response: Closed with explanation

Timely Response

2019-03-15

Arsenal, PA

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

2019-03-15

Brooklyn, NY

Credit monitoring or identity theft protection services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: On XX/XX/XXXX XXXX I received a phone call from my husband threatening me, and letting me know he was gon na destroy me, hours after, all my devices were hacked, my passwords were changed and my private information was deleted, I called the police several times but as today Im still being hacked, I lost my job And I have no incomes to pay the credit cards, I called the phones companies ( XXXX , XXXX XXXX, XXXX ) in order to get some kind of help, but unfortunately I didnt get it. I have called the different companies to let them now about my situation, but the option that they provide are no really helpful according with my situation. They keep charging fees and interests, plus I still dont have access to my personal account, and every time I try to create a new one is been hacked again.
Company Response: Closed with explanation

Timely Response

2019-03-15

Canoga Park, CA

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

2019-03-15

Shalimar, FL

Incorrect information on your report

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

Account information incorrect
Complaint: To Whom It May Concern : Hurricane Irma hit Florida in XX/XX/XXXX, and Capital One was offering Hurricane Relief to its customers following the hurricane. I lived in Florida, and contacted Capital One to confirm. Capital One told that as long as I made a minimal payment ( less than the actual 'minimum payment due ' ) on my credit card each month, they would waive late fees. I pulled my credit report recently, and Capital One reported that I made late payments on my account during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. I did make payments on my account each month, which is documented on the attached statements. These payments were less than the 'minimum amount due ' in accordance with the Hurricane Relief they were offering. Capital One reported incorrect information to the credit reporting agencies, which has now affected my credit score and caused me harm. If Capital One offered to waive late fees and accepted lower payments during their Hurricane Relief, they should not have reported incorrect and negative information to the credit reporting agencies. I have been a loyal customer to Capital One, and always made my other payments in full and on time. V/r, XXXX XXXX XXXX, Esquire
Company Response: Closed with explanation

Timely Response

2019-03-15

Hubbard, OH

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Re : Accounts ending in XXXX and XXXX Capital One Case : XXXX CFPB No. : XXXX I disputed both account # XXXX and # XXXX with Capital One for these two accounts. Capital One sold both accounts to a collection agency. Captial One chose one account # XXXX to request back from the collection company and did not request the second one back. They both have the same dispute errors mentioned. I am requesting the specific reason as to why Capital One chose one over the other when both accounts have the same issue and are listed the same way. How can this be fair business practices? I am requesting the details of why they requested this account be removed and returned to them and not both.
Company Response: Closed with explanation

Timely Response

2019-03-15

Fees or interest

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

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

Timely Response

2019-03-15

Aurora, UT

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 is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-15

Maynard, MA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: This complaint is regarding a balance transfer with my Capital One credit card. On XX/XX/XXXX i initiated a promotional balance transfer with my Capital One Venture card. The amount was for XXXX. The fee was 2 %. ( {$140.00} ) The Promotion was suppose to be 0 % APR until around XX/XX/XXXX. After the BT was completed, i was charged interest starting in the next pay cycle. On XX/XX/XXXX i noticed i had to pay {$91.00} in interest. I figured something was wrong, but i did not want to accrue more interest, so i paid off the balance. On XX/XX/XXXX, i received a letter from Capital One letting me know they had made an error, and that they would refund me the interest, but charge me the {$140.00} fee. By this time, i had already had to look into other solutions to pay off the deb so that i did not continue to accrue interest. If Capital One had processed everything correctly, there would be no complaints. But they made an error, and i in turn made a decision not to accrue more interest on my card. They realized their error, fixed it, and still charged me a fee after i made corrections on my end. This is not good business. They advertised a 0 % promotion, which i gladly accepted, and then they charged me interest. Then they said there was an error, and then charged me another fee after i took action. I called them in early XXXX, got transferred 2x, and then spend an hour on the phone talking to someone that would not help waive the fee.
Company Response: Closed with monetary relief

Timely Response

2019-03-15

Magnolia, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Company Response: Closed with explanation

Timely Response

2019-03-15

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.
Company Response: Closed with explanation

Timely Response

2019-03-15

Lincoln, NE

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-03-15

Washington, DC

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-15

Flushing, NY

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2019-03-14

Carmel, 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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2019-03-14

Bridgeport, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: CAPITAL ONE FINANCIAL CORPORATION et al continues to violate and threaten and or infringe upon my rights with the continued harassment after using a misleading statement to further injure my access to the account to manage the discharge of debts before the final date next week to divert the threat of a civil action and notice of lien on my property and including the accruing additional charges incurred by a creditor against me so this avoidance to comply with the American Disabilities Act Title III public accommodations non-compliance necessary for the online access to the available transaction service features. The first letter with an explanation was a lie not an error. Doe admits he used mail fraud, a deceptive practice and has perjured himself by submitting false and misleading information via federal telecommunications and directly to a government website as demonstrated in the Capital One letterhead attachment to his online responses.
Company Response: Closed with explanation

Timely Response

2019-03-14

Trenton, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I paid a settlement payment through my bank for an account that was sold to XXXX XXXX XXXX from Capital One. Instead of my bank sending it XXXX XXXX XXXX services they sent it to Capital One who is still holding my funds. I have reached out to them for several weeks now and they will not release the money sent. Capital One has been holding the funds since XX/XX/2019.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-14

Louisville, KY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief

Timely Response

2019-03-14

Babylon, NY

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