CAPITAL ONE FINANCIAL CORPORATION

2019-01-07

Hillandale, MD

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-07

Chatsworth, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-01-07

Henrico, VA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-01-07

Strasburg, VA

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-01-07

Chicago, IL

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

2019-01-07

Bellaire, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation

Timely Response

2019-01-07

GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX prepaid card was purchased at local corner store. My desired amount was placed in card. After total use of balance the card was thrown out. XXXX XXXX sent me in this collection process. They can not be paid back based on info provided on my credit score.
Company Response: Closed with explanation

Timely Response

2019-01-07

Nashville, TN

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-01-07

Indian Spgs, AL

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Company Response: Closed with explanation

Timely Response

2019-01-07

Colts Neck, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/XXXX I accidently sent a check made out to an individual to Capital One. After the individual did not get the check I realized the mistake. Capital One processed the check that I had made out to the individual for {$1500.00}. Keep in mind that I have a loan with them but the payment is only {$370.00}. I am not understanding why they did not send the check back to me or even notify me of the error. This raises questions as to the practice they use to handle funds especially those that are not made out to Capital One. Check # XXXX was made out to XXXX XXXX.for {$1500.00} on XX/XX/XXXX and processed at Capital One on XX/XX/XXXX. This should have never happened and the fact that I was not notified alarms me. Perhaps an audit should be done!
Company Response: Closed with explanation

Timely Response

2019-01-06

East Liberty, 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

2019-01-06

WV

Fees or interest

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

Charged too much interest
Complaint: Me my wife have had a XXXX XXXX XXXX XXXX XXXX credit card for years. ( XX/XX/XXXX ). Account kept in good standing with no late payments. Capital One acquired all of these accounts so everything migrated from XXXX XXXX XXXX to Capital One. 1st billing cycle with Capital One ran from XX/XX/XXXX-XX/XX/XXXX. Previous new balance was {$3400.00} and payments/credits were {$3500.00} ( more than prior carry over balance ). There were NO carry over interest charges or fees. Charges totaled {$6000.00} leaving a New Balance forward of {$5900.00} to START the 2nd billing cycle. 2nd billing cycle ( XX/XX/XXXX-XX/XX/XXXX ) with Previous balance the same as balance forward from 1st billing cycle XXXX {$5900.00} XXXX. During this billing cycle payments/credits equaled {$4100.00} which was less than the previous carry over balance so I fully expected to incur interest charges. These totaled {$52.00} and posted to my card on XX/XX/XXXX. Charges this cycle equaled {$2600.00} leaving my NEW BALANCE FORWARD of {$4500.00}. This balance forward was effective XX/XX/XXXX. 3rd billing cycle XX/XX/XXXX-XX/XX/XXXX with a starting balance forward of {$4500.00}. THIS CYCLE I HAD PAYMENTS/CREDITS OF {$7000.00} which was {$2400.00} MORE THAN THE PREVIOUS BALANCE FORWARD. I was charged {$45.00} in interest charges on XX/XX/XXXX even though I had paid the previous statement new balance and {$2400.00} over and above the previous balance. Charges for this period were {$3600.00} to leave a NEW BALANCE FORWARD of {$1100.00}. The entire time the XXXX XXXX XXXX card was in effect, as long as at least the balance forward from the previous statement was paid in full, new purchases had the benefit of the new purchase grace period. The above scenario NEVER OCCURRED with XXXX XXXX XXXX. I called Capital One thinking it was an error on their end since I had paid the entire previous months balance plus almost {$2500.00} to offset the current months charges. CSR advised that that if the grace period is not meet for one month, even if you pay the balance the next month, they still calculate interest on new purchases. This is not ethical or fair. In fact it is predatory. I requested to speak to a supervisor. I was given the same scripted explanation which besides being unfair and predatory, it also just does not make sense in any way other than a way for them to extort additional interest while ignoring the fact that in the course of making payments the previous months balance was satisfied in full. I then requested for the interest to be waived. The supervisor told me she looked and said I " did not qualify for an interest waiver ''. I asked her why and she said " you just didn't qualify ''. Having never been in default, been a long term customer, have NEVER had any fees waived in the past and with the amount I use this card for ( $ XXXX+ annually ) I would think I would be a preferred customer but that is their " policy ''. I think there has to be some sort of law or statute that protects consumers from this type of misleading and predatory application of payments. Capital One is intentionally applying payments in a way to take advantage of consumers to extort additional interest when in reality the previous balance was actually paid in full meaning new purchases should NOT be subject to interest charges because the new purchases are not being given the agreed upon grace period for new purchases that is part of credit card terms of agreement. Also in regard to application of payments, apparently purchases made at XXXX XXXX stores with this card receive a promotional interest rate. I was not aware of this. On the FIRST BILLING CYCLE there were total charges for this promotional rate of {$680.00}. Over the next 2 cycles I made payments totaling {$11000.00}. Capital One intentionally applied payments to this PROMOTIONAL BALANCE so that it only dropped to {$590.00} & {$550.00} respectively to charge interest of {$4.00} & {$4.00}!!! I can understand the interest charges that were applied for the FIRST month where I did not pay the previous statement NEW balance in full, but after that, I feel that I should have no interest charges at all and further over 2 months, paying {$11000.00}, the promotional balance should have been XXXX out rather than misapplying payments in order to maximize carry over balances to charge more interest. I suggest a class action suit should be considered against Capital One for its misleading and predatory practices against consumers.
Company Response: Closed with explanation

Timely Response

2019-01-06

Fort Lauderdale, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-01-06

Crabtree Valley, NC

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

2019-01-06

Mckeesport, 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

2019-01-06

Lenzburg, IL

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-01-06

Ridley Park, PA

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: XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.
Company Response: Closed with explanation

Timely Response

2019-01-06

Lafayette Hl, PA

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

2019-01-06

San Luis Obispo, CA

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

2019-01-06

Garland, TX

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

2019-01-06

Keytesville, MO

Getting a credit card

Credit card or prepaid card: Store credit card

Sent card you never applied for
Complaint: While browsing for an engagement ring on XX/XX/2018, I entered the XXXX XXXX store located on the XXXX XXXX XXXX in XXXX XXXX, MO. The sales representatives in the store mentioned an ongoing limited offer which provided for 0 % financing over 18 months on purchases. I stated that this is something I may be interested in, and they proceeded to request personal information for a " credit check '' to see if I would qualify for the financing and what my credit limit would be should I decide to purchase from them and elect the financing option. Even as I vocally hesitated that I was not sure that I even wanted to purchase anything from them and thus was uncomfortable providing my social security number, the sales representatives assured me that the credit check would not bind me to anything and it was primarily used to see a spending limit as I shop for diamonds. All of this took place before the jeweler brought out any potential diamonds to look at, so it felt as though this was a prerequisite to begin actually shopping at this store. I proceeded to enter my information, and they quickly ran a check and alerted me to how much financing I was qualified for. Eventually, I did not end up purchasing anything from XXXX at all. Over a week later, I received a XXXX Preferred Credit Card in the mail, which was the first time I was alerted that a credit card had been opened in my name. While in the store, there was no firm mention of opening a credit card, there was no purchase made that would require credit financing, there was no manifestation on my part of a willingness or desire to open a credit card through XXXX or Capital One, and there was no clear indication at any point that my entering of my personal information would lead to the opening of a XXXX credit card account.
Company Response: Closed with monetary relief

Timely Response

2019-01-05

Desoto, TX

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

2019-01-05

Atl, GA

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

2019-01-05

Flushing, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-01-05

La Habra, 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