CAPITAL ONE FINANCIAL CORPORATION

2019-01-30

Warwick, RI

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-01-30

Eight Mile, 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 non-monetary relief

Timely Response

2019-01-30

Butte Valley, CA

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

2019-01-30

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

2019-01-30

Kendall, FL

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

2019-01-30

Bremen, GA

Incorrect information on your report

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

Account information incorrect
Complaint: I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-30

Old Round Rock, TX

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

2019-01-30

Gloucester City, NJ

Fees or interest

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

Charged too much interest
Complaint: I have a Capital One card I did a cash advance for XXXX and have a purchase balance of XXXX .I paid XXXX towards my bill and called to pay off my cash advance they would not take my money asked to speak to a supervisor and they would not take my money. I'm getting charged twice on interest and was trying to pay my cash advance which was XXXX. They will charge me twice on interest until I pay my whole balance off how is this ok. With the Card act it says they can't deny me payment .They are Charging twice in interest what can I do is this legal..XXXX ( XXXX ) XXXX Thank You
Company Response: Closed with explanation

Timely Response

2019-01-30

Marvel, AL

Incorrect information on your report

Credit card or prepaid card: Store credit card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-01-30

Washington, DC

Other features, terms, or problems

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

Other problem
Complaint: This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.
Company Response: Closed with explanation

Timely Response

2019-01-30

Smyrna, SC

Incorrect information on your report

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

Public record information inaccurate
Complaint: I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.
Company Response: Closed with explanation

Timely Response

2019-01-30

Hillsdale, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-01-30

Briarwood, NY

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-01-30

Muskego, WI

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 monetary relief

Timely Response

2019-01-30

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

2019-01-30

Three Bridges, NJ

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-01-30

Ridgefield, CT

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

2019-01-30

Dallas, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-30

Foxridge, MD

Getting a credit card

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

Application denied
Complaint: After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.
Company Response: Closed with explanation

Timely Response

2019-01-29

Ft Trumbull, CT

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: Capital One mailed me a closeout check on or around XX/XX/XXXX, received on XX/XX/XXXX, deposited to my XXXX XXXX account on XX/XX/XXXX. Capital One chose to place a stop payment prematurely on the check and in error, they will not admit to this error plainly, will rather state " Expectations not set correctly '' as reason for stop payment. A second check was expedited via XXXX second day air and rep ( s ) did not allow enough mail time for prior check before reissuing and thus stopping payment.. The check amount, XXXX, represents the remaining balance in my checking account ending in XXXX. Replacement check was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. I left for XXXX XXXX on this day, was not at my address to receive/sign for it or sign check itself. XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I have a statement from Mr XXXX stating he picked me up on said date and time. Please see attached document from Mr XXXX, he can be reached at XXXX. I was in XXXX XXXX from XX/XX/XXXX to XXXX. I received information from a XXXX with leadership team at Capital One stating said check was intercepted and signed by a XXXX XXXX whom does not live here, cashed at a XXXX XXXX XXXX which is not my account and do not bank there. A XXXX XXXX with Capital One has replied in re about this, stating the person, XXXX XXXX, lives at my address and the XXXX XXXX Bank account is or was linked to my Capital One account at some point. She also refers to a check deposited to my account from this person sometime ago. My account is now closed and It appears Capital One chose to close it due to account security, they saw the linked account, which I am not aware of, as a possible risk. It appears someone had hacked into my account at some point, added XXXX XXXX account and also used my account to cash a check in the past. Neither of these two incidents are related to loss of funds or constitute receipt of them. If Capital One will check signatures on check received on XX/XX/XXXX and replacement check delivered on XX/XX/XXXX, they will see signatures are different from another. Also, another check from Capital One covering overdraft and return check fees relating to stop payment shows my true and correct signature, as does the check received on XX/XX/XXXX which was deposited to my XXXX account and is now closed due to overdrawn status. The overdraft is a result of Capital One stopping payment prematurely as stated prior. I've requested Capital One check signatures, XXXX XXXX did not comply. For argument sake and figuratively speaking even if the person, XXXX XXXX, is related, does not mean funds were not stolen from me as they in fact were.. I request someone in office of the President look into this matter which has been ongoing since late XX/XX/XXXX/early XX/XX/XXXX. To avoid investigating signatures as requested, Capital One chooses to mark complaints as duplicate to avoid doing so. They requested additional time to reply to a prior complaint, which took over a month and then turned around, marked it as duplicate.
Company Response: Closed with explanation

Timely Response

2019-01-29

Milwaukee, WI

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: XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. I did not Authorize to make this. XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-29

Dunnellon, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: Re-Kohls Department Stores Credit Card Division XXXX, Wisconsin XXXX Complaint : 1. Credit card statements no longer itemize purchases, it only shows dates and store location which purchase were made from. 2. Recently Kohls published their late payment warning showing a penalty late fee of {$37.00} plus interest if payment is not received by listed date. 3. Our last statement indicated a closing date of XX/XX/2019. Statement received on XX/XX/2019, delivered by US Mail. The statement showed a due date of XX/XX/2019. Fraud, I believe that this division of Kohls sends their statements out late or holds them back from mailing increasing the possibility that the returned payments will be received late and posted after the due date. This would increase their revenue by {$37.00} per month from each payer. 4. I attempted to relate this trend to corporate, explaining that their customer 's will see this fraud and will result in losing customers, revenue, and creating stockholders losses. This message unfortunately fell on deaf ears.
Company Response: Closed with explanation

Timely Response

2019-01-29

Douglas, MI

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2019-01-29

Wattenburg, CO

Incorrect information on your report

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

Account status incorrect
Complaint: I paid my account thru the company 's website before it was due but 30 days later i got notice that they never recieved my payment. This happened 2 times thru their website and has given me 2 late pays that are damaging my credit and i'm unable to get the best interest rates. I have tried correcting the problem with the 3 credit bureaus but not had success. Please help
Company Response: Closed with explanation

Timely Response

2019-01-29

Lafayette Hl, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response