CAPITAL ONE FINANCIAL CORPORATION

2019-02-27

Canton, OH

Improper use of your report

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

Reporting company used your report improperly
Complaint: Capital One I applied for a credit card online and it has affected my credit scores. I was not told this in the disclosure and never told that this was going to be a hard pull vs a soft pull. No transparency at all. I asked for a deletion and they told me they weren't credit counselors and nothing I could do about it! XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-27

Phoenix, AZ

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

2019-02-27

Hamburg, NY

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Complaint: Capitalone XXXX XXXX XXXX XXXX All these credit card companies are stating that my payments in 2018. Were late and on my credit report its showing 30 days late. I called and disputed these allegations and no resolution. A little background information started a program through credit counseling in XX/XX/2018 because I wanted to lower my interest rate and continue making my payments to payoff my creditors with good faith. Before this date I was never late on my credit cards.
Company Response: Closed with explanation

Timely Response

2019-02-27

GA

Excessive fees

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

Complaint: Attempted to call and spoke with rep and then they transferred me over to credit specialist to discuss my APR and interest rates. They customer service rep stated the could lower fees and help with APR and would reach out to another person to discuss what they could do. I pay 25 % interest rate and i have been with the credit repair service now for 6 years. I got my credit score up to a XXXX and the still continued to raise my interest rates and charge me excessive amounts of interest so I could not pay my debt off and just recently hit me credit score because I fell behind. This rate is outrageous and the did nothing to help or even try to assist and I have been a loyal customer of theirs for 6 years. They also did nothing to change my interest rates after i had improved my score with them above XXXX which was a good credit score. They never once tried to treat me like a loyal customer even when my credit was good i did not deserve years of high interest rates
Company Response: Closed with explanation

Timely Response

2019-02-27

Hollywood, FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-02-27

Marlboro, MA

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

2019-02-26

Wichita, KS

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: This company claims to be a capital one credit card. They say my original debt was {$850.00} but it's gotten up to over {$3000.00} in fees. I told them to send me any information via regular mail. If it's the same company, they have been calling my parents. I told them that if I do owe the debt, I need to see it in writing otherwise I believe they are a scam. If it's the same company, they are calling my parents a lot. They said they are going through XXXX County courts but I called the courts and they do not back up what this company is claiming. I am fine in my county.
Company Response: Closed with explanation

Timely Response

2019-02-26

Arvada, CO

Incorrect information on your report

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

Account status incorrect
Complaint: I am writing because my personal credit rating dropped 180 points when I applied for a business credit card through Capital One. I received the attached invitation to apply for a credit card with Capital One. Per the instructions, I applied on-line and was approved for a card. We have used the card for a month and are not delinquent in our payments : our first payment is due about XX/XX/19. The card was approved XX/XX/19. Much to my surprise, I received an alert from XXXX XXXX on XX/XX/19 that my personal credit rating was downgraded on XX/XX/19 from XXXX to XXXX : entirely because of the credit card being applied to my personal credit rather than the corporation. When I called XXXX XXXX, they informed me that I simply needed to request that the credit request be reported via our tax ID number rather than my social security number as it is a business credit card. When I spoke with several people at Capital One, they informed me that we report to both business and personal credit agencies as my name is on the card and that is just the way we do it. This is incredibly damaging : as you can see from the flyer, there is NO indication that this card would impact my personal credit rating and I have no way of correcting it even though I have not been delinquent in paying debt, ever. This credit ding NEEDS TO BE REMOVED from my personal credit and accrue to the corporation as it is a BUSINESS and not a PERSONAL card. Even my application shows I am not the sole proprietor of this business. I would NEVER have applied for this card if I thought it would damage my personal credit so dramatically.
Company Response: Closed with explanation

Timely Response

2019-02-26

Inglewood, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-26

Brooklyn, NY

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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. Washington, DC XXXX RE : Not Reporting Revolving Credit Card Accounts As of the date, I am challenging the inaccurate of my Mastercard CC with Capitol One and its inaccuracy reporting. Its not showing that I have an open credit card account for over 2 years, and as a result its lowering my credit score with no revolving credit, and added my credit card wasnt being reported to all 3 credit agencies as well. Furthermore, I would like the corrective action - the first step is for my credit card account to now show as on time payments from 2 years ago and alongside to reporting positive financial records to all my credit reports as well. Thank you for investing your time in me. Sincerely,
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I am trying to get Capital One to correct the reporting on my Credit Report. I have attached proof that shows that I was not late on the months that are marked as late on my Credit Report. I am requesting that this Bank Error be corrected. I have sent disputes in to the credit bureaus but they told me to contact the Data Furnisher, Capital One. Please communicate in writing only. No phone calls.
Company Response: Closed with explanation

Timely Response

2019-02-26

San Jose, CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-02-26

Skanawan, WI

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with monetary relief

Timely Response

2019-02-26

Scottsdale, AZ

Fees or interest

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

Charged too much interest
Complaint: I got a new Capital One Venture credit card and thought I set up the auto-payment. But it does not pay and I was charged late fee and interest after the due day XX/XX/2019. When I found out I haven't paid, I immediately paid the full amount on XX/XX/2019. By the way, the Capital One don't send any reminder to let you know you have not paid. But on XX/XX/2019, I found out that I was charged interest again for {$73.00}. But I paid full balance amount before due day this time. I contact the customer service and they told me the they will charge interest for two consecutive months and then it will stop. It's the company 's policy. I don't think I should pay for the interest {$73.00} because I paid off all my balance before due date and there is not amount to be charged for interest.
Company Response: Closed with explanation

Timely Response

2019-02-26

Clermont, 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
Complaint: Someone opened a Capital One credit card under my name and charged { {$3400.00} } in which I discovered within my credit reports. I do not have any credit card accounts with Capital One. I disputed it with the credit bureaus and also contacted capital one VARIOUS times informing them that I had file an identity theft report with the FTC. I have been disputing this with them since XX/XX/2018. This prompted capital one to finally respond to me stating that they don't feel that I suffered and identity theft and do not feel that the account was opened fraudulently therefore they would not take any action. They have repeatedly sent me the same verbatim notice and they have done nothing in the matter except ignore me.The credit bureaus have responded to me and they have issued a fraud alert and freeze on my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

Jennings Lodge, OR

Incorrect information on your report

Checking or savings account: Other banking product or service

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-02-26

Johnston, RI

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-02-26

Ft Trumbull, CT

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: The below complaint was not addressed, despite request by the bank for additional time which was over a month ... As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.
Company Response: Closed with explanation

Timely Response

2019-02-26

Brooklyn, NY

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-02-26

Martinez Lake, AZ

Problem with the payoff process at the end of the loan

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

Company Response: Closed with explanation

Timely Response

2019-02-26

Clinton, IA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

Bend, OR

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
Company Response: Closed with explanation

Timely Response

2019-02-26

Jacksonville, FL

Fees or interest

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

Problem with fees
Complaint: I was consistently told the wrong billing amounts, interest rates, billing dates which is against the Fair Billing Act. Reps from Capital One rejected me of the proper documentation to explain the late fees and the correct billing activity.
Company Response: Closed with explanation

Timely Response

2019-02-26

Klein, TX

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

Arco, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I have attached a copy of a police report for Identity Theft. This account is the result of Identity Theft and is causing me a lot of damage of my Credit Report. Please remove from my Credit Report. Please communicate in writing only and no phone calls please.
Company Response: Closed with explanation

Timely Response