CAPITAL ONE FINANCIAL CORPORATION

2019-02-02

Gretna, LA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-02-02

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: this collectors name is XXXX XXXX XXXX XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in XXXX XXXX XXXX XXXX , XXXX XXXX ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-02

Poughkeepsie, NY

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: I had a savings account with Capital one 360. Every year i log on to get my tax forms. the last actual transaction was XX/XX/XXXX, a withdrawal. The account was there to accrue interest for me. That is what savings accounts are for. XX/XX/XXXX I logged on to close the account so I could transfer to another account. The account was closed. Capital One and NY State took my money in XX/XX/XXXX. I had to file unclaimed funds. Which in itself is absolutely ridiculous, but now NYS is saying that it is going to take 90 days for me to get that money back because they are backed up. Well if they didn't steal everyone 's money they would not be backed up. I need that money. My mother is XXXX in Florida, if there is an emergency I need to be able to access those funds. There was no notification at all.
Company Response: Closed with explanation

Timely Response

2019-02-02

Key Biscayne, 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: FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
Company Response: Closed with explanation

Timely Response

2019-02-01

Garrett Park, MD

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: Beginning in XX/XX/2018, I was contacted in person by b XXXX XXXX XXXX XXXX. I agreed to have them run my campaign on XX/XX/XXXX and placed a {$1500.00} down payment with my Capitol one Quicksilver card the next dayXX/XX/XXXXXX/XX/XXXX. We were supposed to go live XX/XX/XXXX and have a meeting. XXXX XXXX XXXX, their representative, and owner did not show up and did not return my calls. On XX/XX/XXXX I called to dispute the charge with Capitol One. XX/XX/XXXX Capitol one responds that they have heard from the merchant and that the claim was that services were rendered XX/XX/XXXX I contact Capitol one to say that I haven't heard from the merchant and would like to know how they reached them. Customer service rep says that merchant has agreed to refund. I don't want to exhaust this issue, but Capitol one Can not give me a consistent wat to send them the information that this was a scam. They keep asking for a cancellation. THERE'S NO CANCELLATION BECAUSE THEY TOOK THE MONEY AND RAN CAPITOL ONE! CAN'T ANYONE ON THE LINE UNDERSTAND THAT! ANYWAY, I'm seeking relief from XXXX customer service people at Capitol one who lack the competency to process this scam issue. They see fit to reach out through the scammers bank but can not do anything normal to resolve this for me. Please help CFPB
Company Response: Closed with monetary relief

Timely Response

2019-02-01

Traverse City, MI

Getting a credit card

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

Application denied
Company Response: Closed with monetary relief

Timely Response

2019-02-01

Wallington, NJ

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 XX/XX/XXXX, I wrote a letter toCapital One as requested from all three credit bureaus after disputing a Capital One inquiry, I was told to contact the furnisher of the inquiry. On XX/XX/XXXX I certified a letter asking for Capital One to provide a application letter giving my consent or permission to check my credit. On XX/XX/XXXX I filed a CFPB complaint XXXX, with proof I contacted this company for this purpose. Capital One responded on XX/XX/XXXX With references to other companies in their response without having a consent form or a application from these so called companys which should show my signature giving Capital One or these specific companies named in their statement permission. Capital One Can Not Provide These Documents.
Company Response: Closed with explanation

Timely Response

2019-02-01

Scottsdale, AZ

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX on the XX/XX/XXXX. I spoke with 2 KOHLS representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 8 ) This is not the first time I have had problems with Autopay as Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a preferred customer at Kohls 10 ) If need documentation, i can provide.
Company Response: Closed with explanation

Timely Response

2019-02-01

Milwaukee, WI

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

2019-02-01

Black Horse, 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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-02-01

Yonkers, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-01

Durham, NC

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated. ********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX
Company Response: Closed with explanation

Timely Response

2019-02-01

Atl, GA

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

2019-02-01

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I had moved out to oversea since XX/XX/2015 and I stayed in CA for a short period of time but while I was in CA, someone ( guessing my room mate ) stole my information and opened bunch of credit cards and XXXX my credits.Even though I am not coming back, I would like to still dispute those accounts which are not mine. Capital one /Saks Acct # XXXX Capital one USA Acct # XXXX Capital one Acct # XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-02-01

Oxford, MA

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2019-02-01

Del Sur, CA

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

2019-02-01

Elkton, MD

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2019-02-01

Tucson, AZ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Company Response: Closed with explanation

Timely Response

2019-02-01

Firestone, CO

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

2019-02-01

Shreveport, LA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-02-01

Palm City, FL

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with explanation

Timely Response

2019-02-01

Harsens Is, MI

Incorrect information on your report

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

Account status incorrect
Complaint: Never applied for car loan XX/XX/2018 shows as hard inquiry
Company Response: Closed with explanation

Timely Response

2019-02-01

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-01

Brooklyn, NY

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-02-01

Manassas, VA

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response