CAPITAL ONE FINANCIAL CORPORATION

2019-03-09

South Florida, 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: Account has been closed on my credit and I do not recognize
Company Response: Closed with non-monetary relief

Timely Response

2019-03-09

Flint, MI

Incorrect information on your report

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

Account status incorrect
Complaint: This is starting to get very upsetting. CAPITAL ONE NA has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a capital one account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Company Response: Closed with non-monetary relief

Timely Response

2019-03-09

Gwynedd, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-09

Rncho Domingz, 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 non-monetary relief

Timely Response

2019-03-09

Madison, WI

Problem when making payments

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

Problem during payment process
Complaint: My bill for my CapitolOne Quicksilver rewards card was due on XX/XX/19. This was the first bill due date from the time I had gotten the card. The day that I opened the card in mid XXXX, I set up an online auto payment through the Capitol One credit card app. This auto payment was to pay the balance in full on the due date, XX/XX/19. On XX/XX/19 I checked my Capitol One app and the pending auto payment was only about 60 % of my balance. It would not let me cancel this already pending payment so I had to create another payment to pay my balance in full in order to avoid interest fees. I immediately called Capitol One where the gentleman told me both payments now had to process through my bank and sit there for five days before he could start a refund. Feeling that I had no other option, I complied and he assured me I would be called back a week later on XX/XX/19 to start the refund process. So now I had to transfer more money to that account to cover the 160 % payment of my balance that " had '' to go through and sit in my bank for five days. On XX/XX/19 I never got a call back from Capitol One about my refund. I called them that date and the lady told me she could not get a hold of their refund department for me and I would have to try again at a different date. I tried the next day, XX/XX/19 and got through to the refund department finally, though their " system was down '' and I had to call yet again. Finally on XX/XX/19 I called again for the now fourth time in 8 days only to not be able to get transferred to the refund department again. The lady on the phone now mentioned she could start a " manual refund '', something I had never been told by any of the precious representatives I had worked with. She said she could start the manual refund and it would be an additional 2 to 3 weeks before the overpayment was refunded to my account. Adding that on to the 8 days I have already waited and Capitol One has held my account overpayment for a total of a month now before I will be able to see it again. I spoke with a supervisor and she told me the same thing about the timeline of a month for the overpayment that stemmed from a malfunction in their system with the auto payment in the first place. The lady only apologized but also told me that they could have started the refund earlier than the timeline I was given by the first gentleman on XX/XX/19 and that I was given wrong information. She refused to help me in any other way other than starting that manual refund. She did not try to compensate me in any way for the lost time and money that I have to endure for a months time. She did not understand the concept of the time value of money and how my money that they had no right to take on XX/XX/19 will be worth less at the end of XXXX. In summary, I paid 160 % of my balance on the due date because of a flawed system, was told different information by each representative I spoke with, spent over 4 hours of call time with representatives explaining my story over and over again and will still not see my money until a month after they took it from my account. This is a crooked business practice where I had to spend this much time and effort to recover money from a company who wrongfully took it in the first place. They were clearly trying to get me to have to pay their interest payments based off of a partial balance payment from the beginning. I will be cancelling their card immediately after my refund reaches me.
Company Response: Closed with explanation

Timely Response

2019-03-09

Decatur, GA

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

2019-03-08

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

2019-03-08

San Francisco, CA

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

2019-03-08

Shreveport, LA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2019-03-08

Bridgeport, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.
Company Response: Closed with explanation

Timely Response

2019-03-08

Hollywood, FL

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

2019-03-08

CT

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: XXXX XXXX is a debt buyer who is misreporting to at least XXXX, XXXX and XXXX, a debt they bought from Capital One Bank, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XX/XX/XXXX. XXXX lists the debt on the credit reporting agencies as of the date they bought it from Capital One, which was aroundXX/XX/XXXX. Although I have had numerous phone calls and letters exchanged with XXXX, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. Can CFPB help me?
Company Response: Closed with explanation

Timely Response

2019-03-08

Cheyenne Wells, CO

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

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

Their investigation did not fix an error on your report
Complaint: Capital One is reporting my account as owing {$700.00}. I have paid this amount and have attached the electronic receipts from Capital One confirming my payments. It has been two billing cycles and they have not updated my account as paid. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act violation.
Company Response: Closed with explanation

Timely Response

2019-03-08

Lake Charles, LA

Incorrect information on your report

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

Account information incorrect
Complaint: I have disputed the information through the credit bureaus and the company Capital One has stated the information is correct although it is not. The account has been sent to another company and is no longer with Capital One. The credit card account is showing that an amount of {$480.00} is owed to Capital One. When I contacted them to resolve the matter they informed me that they no longer have the account. If the account is no longer with them and has been bought by another company then it is only right that they report the balance is XXXX with them which they are not. I would like this issue to be resolved immediately because I am in the process of purchasing a house and this is a blemish on my credit file that can be easily resolved with reporting correctly. Due to this error I would like to have this information removed from all three credit bureaus. The company 's investigation proved not to resolve the issue at hand.
Company Response: Closed with explanation

Timely Response

2019-03-08

Macclenny, FL

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: I NEVER OPENED A CAPITAL ONE CREDIT CARD AND THERE IS ONE SHOWING UP ON MY CREDIT REPORT AS LATE I DID NOT OPEN THIS ACCOUNT THIS IS NIT MINE
Company Response: Closed with explanation

Timely Response

2019-03-08

Wallington, NJ

Problem when making payments

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

Problem during payment process
Complaint: To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and XX/XX/XXXX and as being 60 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is low because I make sure to maintain my credit properly. But you can see that XXXX, XXXX, and XXXX are all reporting a different balance which goes to show that something isn't right.
Company Response: Closed with explanation

Timely Response

2019-03-08

Patterson, MD

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One has inaccurately reported my account with a balance of {$580.00} dollars. It accurately reports there were no late payment and the account was closed in XX/XX/2018. My credit report is showing this account as a charge off. Please investigate further.
Company Response: Closed with explanation

Timely Response

2019-03-08

Houston, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-08

Dix Hills, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-03-08

Jackson, AL

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

2019-03-08

Gilbert, AZ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-03-08

Fees or interest

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

Problem with fees
Company Response: Closed with non-monetary relief

Timely Response

2019-03-08

Euclid, OH

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
Complaint: I HAVE PAID CAPITAL ONE IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Company Response: Closed with explanation

Timely Response

2019-03-08

Saint Paul, MN

Fees or interest

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

Charged too much interest
Complaint: I opened up credit card accounts with Capital One, XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX. I only wanted a minimum amount of credit of XXXX for each card. I got from Capital One I believe was XXXX, and somehow I got an invitation from XXXX XXXX to open a line of Credit ( I never asked for ) ... they too charged me XXXX. XXXX XXXX forced me to take XXXX, I only wanted XXXX, and no more than XXXX. They opened my account at XXXX. When I lost my employment and was unable to make my monthly installments on time they kept tacking on interest rates that were too high for me to keep up, so I closed All of my accounts. Since my accounts are closed, are they still able to charge high interest to the accounts? I've asked for payment arrangements, and extensions to be able to pay my debts, however ; I wasn't able to keep up with payments, so they started to harass me with unwanted phone calls.
Company Response: Closed with explanation

Timely Response

2019-03-08

Hammond, IN

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