CAPITAL ONE FINANCIAL CORPORATION

2019-01-28

Phenix City, 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

2019-01-28

Elizabeth, NJ

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-01-28

PA

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 my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Company Response: Closed with explanation

Timely Response

2019-01-28

Rural Hall, NC

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-27

Clarkesville, GA

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX I made a payment on my Capital One Card. I received comfimation that the payment was posted. I made the payment online and verified my correct account information. today Sunday XX/XX/XXXX and I received an email saying I am now 2 months behind and go to my account. Last time this happened Capital One had tried to process with the incorrect account number ( their error ) I have confirmed today with Agent XXXX ID XXXX at Va call centre that I processed the payment on XX/XX/XXXX with the correct information and I have confirmed sufficient funds are in that account. XXXX is saying they dont see the message that I am getting avboiut an email saying overdue payment. ( this was what happened previously at first they ere not seeing the error or reject message ) This is very frustrating it will negatively impact my credit profile erroneously and I have to waste my vaulable time chasing this up.
Company Response: Closed with explanation

Timely Response

2019-01-27

Statesboro, GA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have a capital one student credit card and it was lost then used and the person ran my bill up and maxed it. I tried telling them ( capital one ) this and they just said I needed to pay it back. I shouldnt have to pay it back if I didnt use it and theft occurred and now I cant get any more credit cards and my credit score is a mess. This happened around the summer of XX/XX/2017. The cards maximum was {$300.00}.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-27

Brentwood, TN

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: I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.
Company Response: Closed with explanation

Timely Response

2019-01-27

AR

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
Complaint: I am on a set income. I have been though a situation which resulted in me being forced to initiate a 3 1/2yr civil matter that ended in XXXX and affected me financially. am still paying the cost of my representation and will continue doing so for the next 2yrs. I have never had such awful money problems. I had been successfully paying my cards off, buying essentials with them and my family would help if any medical problems or the like occured. My father 's workplace shut down and he lost his job early last year. At that point I had no help. In XX/XX/XXXX I missed my first payment to Kohl 's since I opened the account in XXXX. I continued paying everything I could but I could not pay in full after they shot my payment up to over {$120.00}. I contacted them but paid the amount initially thinking it would help, it didn't. Each payment thereafter accrued a higher fee like the inital missed payment. As I said, I contacted Kohl 's via their website message center on the payment page about my missed payment. I explained how long I had been a customer, that I'd been a VIP cardholder for the majority of that time, paid more than asked every chance I got and asked if they could drop the late fee, split it up or lower their " base '' interest rate. Explained I was struggling and so were my bills but wanted to get back on track. I let them know I was and would keep doing everything I could to keep my bill in good standing. They were far from empathetic. It continued to be like this every time I contacted them, at times the rep acted as if my distress and confusion was humorous. I grew increasingly frustrated, broke and behind on my other bills. I paid as much as I could when I could. Around XXXX I told the rep I was going to be forced to file bankruptcy if I didn't close my longterm account with them which had always been in good standing abd that I did not want to do either but could not keep paying these {$100.00} late fees and my monthly fee, to which they responded they'd just closed the account for me. From then on out I saw no balance changes but increase and was only given the option to pay the full $ XXXX+ owed ( back then ) every time I paid, they were still adding fees to each payment. I continued to maintain contact and attempted to find out why I was being increasingly charged extra each month. I did not find out until I checked my credit report last night after getting an alert from an XXXXand noticing another card had revoked 1/2 of my spendable amount. Around 3mo into this I started getting emails, phone calls and letters claiming to be someone collecting a debt on Kohl 's behalf and asking for full payment of the fee or a payment match option. I researched the option, it was a scam according to people who had tried it. I did not recieve another bill from Kohl 's, I didn't know who I owed but I paid. I just discovered Kohl 's had reported my account as delequint to all 3 credit agencies and is collecting my activity by way of an investigation watch. They have also been making inquiries and claims of ownership under seperate entitiy names for months and a bank I'd never dealt with. It's affected all of my accounts. The information shown regarding XX/XX/XXXX-XX/XX/XXXX payments, amounts, dates and balance they gave XXXX does not match the information they gave XXXX. I was not able to get my score fron XXXX, I will have to contact them. The initial late payment date was reported, XX/XX/XXXX, but they did not show that as the initial flag. Starting in XXXX they have multiple 30day late months listed in a row, then 90 and then 120. They do not have the same balance/dates on both CRA 's and I do not have the information they gave them. I apparetly DID have a minimum payment option all along which is how they kept hitting me with a fee even after closure because I was still paying as I should have been. They actually claim I had the option of a minimum payment! 13 years I'd spent growing that account. One late fee and apathetic supoort rep later it's gone. The CRA 's accounts show every prior payment was paid. I was told I could reopen the account when I paid the fee off by the rep. I feel like it was just a game to them. On my report the minimum payment of {$120.00} a month shows up after XXXX or thereabouts. I was never told the truth and it makes me extremely angry. This very month it stated {$550.00} as my only payment option. Even though I'm just around {$270.00} over my balance. I would have borrowed money from my now newly hired Father and paid the fee off in 2-3mo if I had been given the chance. Each payment I made attempting to pay the fee carried whatever I did not pay of that hidden {$120.00} over as another late fee. I was intentionally kept in a late, unpaid state. There's no way to deny it. The " 120 '' day very late adverse account is now on my credit reports along with an insulting lie stating the creditor chose to close the account. Due to this my credit score is dead, other company 's have begun cutting my credit lines and everything 's now being flagged. It's taking my credit score down 5pts a day. I do not believe the incorrect information on file is fair, it's not a true representation of what occurred, nor do I believe the adverse account should have been flagged, I'm paying. I feel as if this was a petty jab made just to bring attention to it and further ruin my credit. I was not given any information apart from being made to think the debt had been sold last year. It makes me look like I have intentionally been dodging the minimum {$120.00}. I would like to see this removed from my credit report. I should not have my ability to get help or current cards stripped when I have genuinely tried to do my part.
Company Response: Closed with explanation

Timely Response

2019-01-27

Woodland, GA

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-01-27

Greenwood, WA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-01-27

Wichita, KS

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018
Company Response: Closed with explanation

Timely Response

2019-01-27

Brooklyn, NY

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-01-27

Aloma, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-01-27

Library, PA

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

2019-01-27

Garrett Park, MD

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.
Company Response: Closed with explanation

Timely Response

2019-01-26

Keyport, WA

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
Complaint: On XX/XX/XXXX I read online about an increased offer of XXXX miles after spending {$5000.00} within the first 3 months of opening on the capital one venture card. I clicked on the link advertising the offer and confirmed the terms on the application page. I applied and was approved for the card. After spending the {$5000.00} I logged into my account and saw that they deposited XXXX miles. I opened the online chat to ask them when I would receive the additional XXXX miles. The agent stated that my account showed I had an offer for XXXX miles after {$3000.00} spend. I told him that was not the offer on the application I filled out and I wouldn't have wasted the hard inquiry on my credit for that offer. I only applied for the increased offer. He transferred me to a supervisor who held firm. I asked what date the promotional offer ended and he said he didn't have that information. He gave me a phone number to call. I called the number and basically had the same conversation with this rep. They said they would open a case and someone would call me back on XX/XX/XXXX. I never received a call. My complaint is that capital one didn't fulfill the terms offered on the application which I filled out and was approved for. I did a XXXX search and found that the increased offer ended on or around XX/XX/XXXX 15 days after I applied.
Company Response: Closed with monetary relief

Timely Response

2019-01-26

Garden Valley, TX

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with monetary relief

Timely Response

2019-01-26

Elmwood Park, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
Company Response: Closed with explanation

Timely Response

2019-01-26

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Capital One debt collector didn't verify collect. No contract. No signature
Company Response: Closed with explanation

Timely Response

2019-01-26

Allenwood, NJ

Incorrect information on your report

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

Account information incorrect
Complaint: A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes
Company Response: Closed with explanation

Timely Response

2019-01-26

Port Richey, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-01-26

Stone Mountain, GA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-01-26

Flushing, NY

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-01-26

Kawaihae, HI

Trouble using your card

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

Can't use card to make purchases
Complaint: card was cleared, went to use card and account was frozen.
Company Response: Closed with monetary relief

Timely Response

2019-01-26

Woodstock, GA

Incorrect information on your report

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

Account status incorrect
Complaint: Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXXs will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Company Response: Closed with explanation

Timely Response