CAPITAL ONE FINANCIAL CORPORATION

2019-03-05

Oxford, GA

Fees or interest

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

Problem with fees
Complaint: I have a step brother who's currently XXXX at the XXXX XXXX XXXX, I went to their website XXXX in order to buy XXXX in commissary for my step brother. The XXXX uses a payment processor XXXX to process payments in order for me to purchase commissary for my step brother. I created an account (I did not have to agree to any "Terms of Use" before creating this account, nor was i made aware of any), selected my step brother from their list, put in my payment information and selected the amount of commissary i wanted to purchase. They informed me that i would be charged "A nonrefundable fee of XXXX or 10.0000% of the deposit amount, whichever is greater, will be charged.", which i agreed to. When i looked at my credit card statement, i was charged XXXX from Capital One for a "Cash Advance Fee". I called Capital One to dispute this, explaining to them that no Cash was taken out of an ATM nor was any Cash given to the XXXX, i was simply paying for commissary on my step brother behalf since no Cash is allowed inside XXXX. They refused to wave the fee and said that i will be paying a 26% DAILY Interest fee on this amount as well until it's paid in full. I believe this is an absolute defraud of my Civil Rights as an American Citizen.
Company Response: Closed with monetary relief

Timely Response

2019-03-05

Shelby Township, MI

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 monetary relief

Timely Response

2019-03-05

Lafayette, LA

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

2019-03-05

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: Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.
Company Response: Closed with explanation

Timely Response

2019-03-04

Parlin, NJ

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
Complaint: Timely filed a billing dispute with the credit card company under case number XXXX for {$73.00} billed on XX/XX/19. Specifically, I already provided the company with specifics to complete the dispute processing. They were informed that someone logged into my online account and utilized my login credentials to impersonate me. The merchant already has blocked and closed the account. Credit card company produces a letter backdated on XX/XX/19, and received by me on XX/XX/19, advising me to call and discuss. Nothing needs to be discussed, the dispute is valid!
Company Response: Closed with explanation

Timely Response

2019-03-04

Mobile, AL

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

2019-03-04

Superstition Mtn, 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
Complaint: Ihavesent3disputeletterstobothXXXXXXXX,XXXX,Capitaloneand3creditbureausinregardstofailuretoverifymyaccount.TheyhavecontinuednottoprovidemecopyofANYoriginaldocumentation(aconsumercontractwithmysignatureonit)asrequiredunderSection609(a)(1)(A)&Section611(a)(1)(A).Furthermore,theyhavefailedtoprovidethemethodofverificationasrequiredunderSection611(a)(7).PleasebeadvisedthatunderSection611(5)(A)oftheFCRAyouarerequiredtopromptlyDELETEallinformationwhichcannotbeverified.Theycontinuetosendmetoaccountstatementswhichisnotaproperformofverificationofdebt.
Company Response: Closed with explanation

Timely Response

2019-03-04

NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: In XX/XX/2018 branch associates at Capital One in XXXX New York encouraged me to open a 360 account with Capital One to access more ATMs. I agreed. I opened the account online. Soon thereafter Capital One froze and locked me out of my online banking account ( ending in XXXX ). I called the technology helpful line between 3 to 5 times, reported the issue and asked that my request for access be restored.. I also wrote to Capital One via its investors relations email on its webpage. I was told by technology that my access would be restored. No access restored and no call back. I had to go to the XXXX New York branch more than once to request printed copy of statements. Eventually the lack of online access forced me to close my account. I could not track my debits, credits or liabilities. Till this date, no call from Capital One. I have been a customer for approximately 23 years. Now Capital One has sent me letters regarding a {$130.00} debit. This debit was traceable to Capital One 's breach of federal regulations in locking my account without notice, refusing to restore access and til today not contacting me. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-04

Colts Neck, NJ

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 had unauthorized charged on capital one account through lord and XXXX. I had forgotten that I had this credit card since Ive rarely used it. I filed a police report in XXXX XXXX, and sent it to Capital One Credit Carr and for the unauthorized charge. I received a letter from them saying they took the account back and it remained unchanged. This ongoing situation has been going on since XX/XX/2016 and has yet to be resolved.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-04

Greenville, OH

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

2019-03-04

Davie, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-04

Orange, TX

Trouble using the card

Credit card or prepaid card: Government benefit card

Problem using the card to withdraw money from an ATM
Company Response: Closed with explanation

Timely Response

2019-03-04

Marvin, NC

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-04

Eddiceton, MS

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-04

York, PA

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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-03-04

Ashland, OH

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
Complaint: Well i got capital one card never used it then it was used fraud and all charges on it were not made by me at all then i was fraudly paid off then i told them i did not make any of the charges and they cleared it so told them to cancel it i cut card up now on XX/XX/XXXX i got phone call and ssyed i owed it and the store is saying to them i did it but i never did and about to scream i found the person who did it her name is XXXX XXXX on XXXX and XXXX and her number is XXXX ( XXXX ) XXXX get her in trouble for fraud me
Company Response: Closed with explanation

Timely Response

2019-03-04

KY

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: On XXXX the XXXX 2019 i was contacted by by someone to let me know that this person had got my childs social security number and used it for credit cards and other things as in hooking their power up etc ...
Company Response: Closed with non-monetary relief

Timely Response

2019-03-04

Hillsdale, NJ

Problem when making payments

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

Problem during payment process
Complaint: I had gotten in touch with Capital One in XXXX over the phone to go over my account, and i had set up Automatic Payments with them, so that i didn't miss a payment.
Company Response: Closed with explanation

Timely Response

2019-03-04

Bellevue, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-03-04

GA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: On XX/XX/2019 I filed a dispute with Capital One Bank about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( XXXX ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( Capital One ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( XXXX ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.
Company Response: Closed with explanation

Timely Response

2019-03-04

Katonah, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-03-04

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with explanation

Timely Response

2019-03-04

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-03-04

Fargo, ND

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: I don't own capital card never had a credit card
Company Response: Closed with non-monetary relief

Timely Response

2019-03-04

Corpus Christi, TX

Getting a credit card

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

Delay in processing application
Complaint: I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas, which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.
Company Response: Closed with explanation

Timely Response