CAPITAL ONE FINANCIAL CORPORATION

2019-01-05

Milwaukee, WI

Fees or interest

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

Problem with fees
Complaint: I was never received any notification that would be charge a membership few and on top of not getting a notification, I was charged a late fee.
Company Response: Closed with monetary relief

Timely Response

2019-01-05

IN

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

2019-01-05

Little Rock, AR

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-01-05

Florence, AZ

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

2019-01-05

Bull Valley, IL

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: On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. That call was @ XXXX for 20 min. 25 sec.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-04

Jacksonville, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-01-04

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-01-04

Kent, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with monetary relief

Timely Response

2019-01-04

Arsenal, PA

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: I have been a Capital One XXXX customer for years. I contacted Capital One to inquire about possibly upgrading my card to one with no annual fee and was told that was not possible. I then requested that the annual fee be waived this year possible and the customer service rep advised that He would be unable to waive the fee at the time we spoke because it was early and the fee had not yet been assessed. He suggested that I call back and request a waiver of the fee once assessed. I called back and was told that my account did not qualify for a waiver based on the systems algorithm?? when she tried to submit the request. I asked what the algorithm was based upon, I cant recall ever being late etc ... and she was unable to answer. In the interim and I received a preapproval offer from Capital One for a XXXX XXXX Card. I was considering booking a vacation, so I went online to see what perks they were offering with the card as well as the terms and conditions rates etc.. Online the XXXX XXXX offered showed a promotion that stated that if you spent {$1000.00} in the first 3 months you would receive {$20000.00} bonus points. I attempted to apply for the card online, but since I was logged into my account. The system kept diverting me to enter the confirmation number for the preapproved offer Id received. Not stiputlating that the terms would be any different. It would not allow me to just apply for the card otherwise. Needless to say, I booked my vacation, the charged went through. I called later to inquire as to when I should expect the points to be posted and was told that my account did not qualify for the promotion. I went online while the rep was on the phone and confirmed the details. She then stated that the promotion was not included my MY specific offer! What?? I would not have accepted the offer had I known that this was the case. I have plenty other cards that I could have used and received some benefit for my purchase.the young lady agreed that I met the conditions and state that she would escalate my concerns and follow. A few weeks later she called back and stated that her request was declined and that points would not be applied. I was so frustrated at this point, I just hung up, figured Id pay the card off and both or transfer balances or whatever. Coincidentally, I then receive a call from their Executive Customer Relations department, inquiring about my complaint.I explained my concerns to the young lady, who stated that she would research and follow up, I do not remember her name, but Im sure the call was recorded, that was before XXXX, I believe and to date I have not received a follow up call. This is like bait and switch. Their system would not allow me to apply online unless I used their confirmation code. The current promotions were advertised online, the only difference was the promotion but how is a consumer to know that. It never stipulates that this does not apply if you use a preapproved offer. And that itself is backward, wouldnt you want to give a preapproved customer a better offer? This is clear deception of a loyal customer
Company Response: Closed with monetary relief

Timely Response

2019-01-04

San Francisco, CA

Getting a credit card

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

Application denied
Complaint: This complaint is in connection with an unfairly denied credit card application by Capital One Bank. The card is the Venture Rewards Card. I have perfect credit based on everything within my control. My credit report is 33 pages long. On 32 of those pages, there is green as far as the eye can see, indicating a perfect record of paying all of my credit card bills and mortgage paymen6ts on time for many years. In fact, over many years, according to my credit report, I've held 32 credit card accounts, many no longer open, some closed and replaced due to stolen card numbers or fraudulent charges etc. But over those 32 accounts, I've had 1,334 monthly opportunities to pay my credit card bill on time. I paid on time and in full in every single one of them- all 1,334. If that were only one account, that would represent over 110 years of perfect payments Similarly, I've held four mortgage accounts in my life ( only one at a time but have refinanced three times. ) Over those four mortgage accounts, I've had 160 monthly opportunities to make an on-time, in-full payment. Out of those 160 monthly opportunities to make an on-time, in-full payment, I'd made 160 monthly on-time, in-full payments. This is essentially one account and represents over 13 straight years of on-time mortgage payments. ( 13 years on the report, plus two additional years of 100 % on-time mortgage payments that did not, for some reason, show up. ) I've held no other loans in my life other than these two types ( credit card and mortgage ), exclusive of overdraft protection that " comes with '' checking accounts. In XX/XX/XXXX, XXXX made a mistake that caused an unintended, unrequested " loan '' to exist from my overdraft protection. The explanation behind that mistake -- actually two separate mistakes by XXXX -- would require a page and half explanation. But suffice to summarize as follows. I paid XXXX back every dollar that they advanced to me. XXXX itself acknowledges their mistake, finally, and has through its actions, ceased holding me responsible for interest owed on a loan that should never have existed in the first place. However, during the time it took to clear this up with XXXX, basically during the first half of XXXX, XXXX was reporting me as delinquent in paying interest on the overdraft loan -- interest I did not indeed owe. XXXX is trying to clear that up with the credit bureaus ( XXXX is the one I know about to which it was reported ) but that process takes months. In the meantime, Capital One is still denying me the Venture Rewards until I jump through all kinds of hoops with XXXX over many months to clear up a mistake XXXX made. that was no fault of my own. In any event it is only five monthly periods that XXXX claimed I'm delinquent ( on money that I did not owe ) against 1494 " green '' perfect payments on the other 32 3/4 pages of my credit report. I believe this is discriminatory as it is statistically highly likely that Capital One has approved their Venture Rewards card for applicants who have a poorer on-time payment record than myself. I believe also that they are negligently denying me the card as no reasonable person, upon seeing my record of on-time payments, would have any reason to conclude that I was a credit risk.
Company Response: Closed with explanation

Timely Response

2019-01-04

Mill Valley, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. XXXX NEEDS TO PAY OFF THIS LOAN
Company Response: Closed with explanation

Timely Response

2019-01-04

Simpsonville, SC

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

2019-01-04

Las Vegas, NV

Problem with customer service

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

Complaint: I'm XXXX and throughout my life, I've had an excellent credit rating. Never once missed a payment on ANYTHING. Paid off the 2 loans I ever took out well before they were due, and paid {$220000.00} in cash for my Winter home in NV. XXXX saw my credit rating slide precipitously by nearly 100 points. I found out the reason - Capital One, with whom I have 2 credit cards said I exceeded 2/3rds of my available credit limit within a 2 month period on one of my cards. ONE HUNDRED POINTS! Nowhere is this " rule '' noted, and nobody knows about it with whom I've come into contact! To add insult to injury, when I requested a raise in my credit limit to make sure nothing like this happened ever again, they declined, even though it is entirely their fault that my credit rating took a nose dive! So, after a LIFETIME of EXCELLENT CREDIT, these vultures destroyed my credit rating in one fell swoop! The reporting agencies sent me paid reports that didn't indicate this whatsoever! Because they answer to no one, they have no need to be helpful or even cordial. Now my credit score is creeping up by 2 to 5 points per cycle - I'll be long gone before the score even approaches what it had been. Where is the justice in this, and what can you do for me?
Company Response: Closed with explanation

Timely Response

2019-01-04

La Habra, CA

Improper use of your report

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

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

Timely Response

2019-01-04

Opelousas, LA

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2019-01-04

Naperville, IL

Opening an account

Checking or savings account: Savings account

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

Timely Response

2019-01-04

FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.
Company Response: Closed with explanation

Timely Response

2019-01-04

Westminster, MD

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response

2019-01-04

Wallington, NJ

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2019-01-04

Manhattan, 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

2019-01-04

Crown Hill, WA

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

2019-01-04

Arvada, CO

Other features, terms, or problems

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

Other problem
Complaint: Several months ago I realized I could not edit alert settings for my Capital One credit cards online. I called the company and the representative had me try different things such as clearing cookies. He finally said they would look in to it and get back to me. I changed my password that day just in case. As of today 's date, XX/XX/2019 I have not heard back from them. Today I again tried to access the alert settings and received a pop up that I got a screen shot of and will attach. I changed my password again today. I need to know why I can not access that part of my online account and if it has been compromised.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-03

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-01-03

Charles A Hayes, IL

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

2019-01-03

Clayton, MO

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Confusing or misleading advertising about the credit card
Complaint: I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.
Company Response: Closed with monetary relief

Timely Response