CAPITAL ONE FINANCIAL CORPORATION

2018-12-07

Stone Mountain, GA

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

2018-12-07

Duwamish, WA

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

2018-12-07

Caldwell, NC

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2018-12-07

Key Biscayne, FL

Incorrect information on your report

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

Account information incorrect
Complaint: In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Company Response: Closed with explanation

Timely Response

2018-12-06

Flushing, NY

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

2018-12-06

Mesa, AZ

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-12-06

Palos Park, IL

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

2018-12-06

Rowlett, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-12-06

San Diego, CA

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-12-06

Lufkin, 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

2018-12-06

Meadows Place, TX

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

2018-12-06

Colo Spgs, CO

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit report related to that application XX/XX/2018. A formal dispute of that application was then provided to Capital One to have that inquiry removed. Rather the read the information provided Capital One named the fraud investigator to a non-existing account. Capital One has done this same activity several times in the past and this continues to put the information of our clients and the public in danger. Capital One is in violation of the FCRA and my clients consumer rights.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-06

Mem, TN

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-12-06

MO

Getting a credit card

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

Application denied
Complaint: Every month XXXX XXXX is telling me I would be approved for a cap one Credit card and every month they deny me and never send a reason why. I feel like that they are discriminating me because my credit was stolen buy it is fixed now. I have other cards and they have no problem lending me money but this bank messed my credit up because I did not know about hard Inquiries and Im trying to buy a house and Im homeless because I feel Capital one and XXXX XXXX are discimating me for someone opened account under the cards the off that was not me .I have almost 30 Inquiries from both of them. I meet all the qualifications and I know people that have worst credit than mine are getting an account.
Company Response: Closed with explanation

Timely Response

2018-12-06

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-12-06

Beaumont, CA

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

2018-12-06

Rancho Bernardo, CA

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with non-monetary relief

Timely Response

2018-12-06

Deer Island, FL

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

2018-12-06

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

2018-12-06

Katonah, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2018-12-06

Vicksburg, MI

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
Company Response: Closed with explanation

Timely Response

2018-12-06

VA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Company Response: Closed with explanation

Timely Response

2018-12-06

Woodbridge, VA

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-12-06

Glendale, CO

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
Complaint: In XXXX of 2018 I applied for the XXXX card with Capital One Bank, they approved my card but told me that my credit score was XXXX, I checked my credit report at XXXX as they suggested and it shows my credit score is XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Capital One Bank told me that my APR would be 23.99 % because of the XXXX credit score they made up instead of 13 they advertised for people with excellent credit score. I believe that Capital One lied about my credit score just to give me a higher rate on my credit card. I called them to try to resolve this issue after I received my actual credit report but they said that they were not able to lower my rate. After I told them that I would like to close my account they told me that I would never be able to open an account with them again. All of their customer service reps were polite and professional at all times.
Company Response: Closed with explanation

Timely Response

2018-12-06

Houston, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: XX/XX/2018 I was trying to get all the amounts I owe from all my credit cards under my name to see what I can start paying it off because I didnt have a job at the beginning of the year and I wasnt trying to get all my accounts closed because I need credit line. Soon Ill get a settlement from a lawsuit I had so I want to be able to have some credit line after I pay some off. I didnt get noticed about my accounts being charged off.
Company Response: Closed with explanation

Timely Response