CAPITAL ONE FINANCIAL CORPORATION

2018-11-14

Pulaski, MS

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-14

SC

Incorrect information on your report

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

Account information incorrect
Complaint: I have two credit cards with this Capital One. They have refused to update my credit balances with XXXX XXXX and XXXX. One card hasnt been updated in over a year. I am trying to close on my home and will lose my earnest money I paid down if this is not corrected. Im trying to avoid resorting to a consumer attorney to handle the issue. I have callled then numerous of times with no avail. They never fix it. Both of my cards are showing maxed out to the limit and this is a serious issue when it comes to me closing on my home. I need serious and immediate help. The account numbers are Capital one platinum XXXX XXXX XXXX XXXX Capital one quicksilver XXXX XXXX XXXX XXXX As you can see one card was last updated XX/XX/2017 in the attachments
Company Response: Closed with explanation

Timely Response

2018-11-14

Bremen, GA

Incorrect information on your report

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

Account status incorrect
Complaint: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more. I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. Thank you for your consideration, and I hope youll approve my request. Best, [ XXXX XXXX XXXX ]
Company Response: Closed with explanation

Timely Response

2018-11-14

Greensboro, 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 monetary relief

Timely Response

2018-11-14

Pinellas Park, FL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to arrest you or take you to jail if you do not pay
Complaint: I received a robocall from XXXX, stating that I was going to be served. They called my parents too. I called them back, and received a woman by the name of " XXXX ''. I told her that she needed to stop harassing my elderly parents, or I would file a lawsuit against her company. She laughed and stated, " No you won't! '' I had to ask her what company she worked for. She stated " XXXX '' and asked for the last 4 digits of my social security number. I told her that I would only give that information if she told me what it was regarding. She laughed and stated, " just because Trump is president, doesn't mean you get to act that way! '' She laughed and hung up the phone. She refused to tell me what it was regarding, and had a robocall using the name " XXXX XXXX '' to call me and my parents. I have checked my credit report and I have no outstanding debts for anyone to take legal action against me on. They also used my maiden name, for which I have not used in almost 10 years.
Company Response: Closed with explanation

Timely Response

2018-11-14

Springfield, OR

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-11-14

Alden Manor, NY

Other features, terms, or problems

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

Other problem
Complaint: I have had two Capital one credit cards ( GM and XXXX XXXX ) for over seven years and over this period I have requested credit line increases to each account and was denied each time. The general reasons for declining, poor credit history, too many open accounts with balances, etc., I understand. However, each of my requests were, these credit cards are not eligible for credit limit increases and we are working on it. My question, after seven plus years? I spoke today to a Capital One representative and he says the only viable solution is to apply for another card. I suggestedthe two small limits ( $ XXXX and $ XXXX ) be combined and was told again, these two cards are not eligible for combining. I mentioned I did not want a hard inquiry for this seemingly internal issue but he did not offer any other alternative. I am asking for a practical solution to this problem instead of the seven+ years of runaround which is totally unacceptable at this advanced technology stage.
Company Response: Closed with explanation

Timely Response

2018-11-14

Monroe, LA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2018-11-14

Glassell, 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

2018-11-14

Newark, NJ

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-14

Pittsburg, TX

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

2018-11-14

Bloomfield, NJ

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
Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-14

Manhattan, NY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-11-14

NY

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

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Complaint: Kohls Department store is reporting on my XXXX credit report incorrect information. I was never late with any payment. Ive been with Kohls since 2012 and never had a problem. It was reporting a late payment from almost 2 years ago. I immediately contacted corporate office of Kohls to discuss and rectify this incorrect information. XXXX has since corrected the problem but XXXX and XXXX have not and it is affecting my credit worthiness and credit score in a negative way. Ive disputed this numerous times and have also contacted Kohls Department store again. This should have been corrected on my reports awhile ago.
Company Response: Closed with explanation

Timely Response

2018-11-14

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

2018-11-14

Woodstock, GA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-11-14

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 monetary relief

Timely Response

2018-11-14

Philatelic Center, CA

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
Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Allouez, WI

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: On XX/XX/18, I bought {$2700.00} worth of cosmetics from XXXX XXXX in XXXX XXXX with my Capital One card. No more than 10 minutes after purchasing this stuff, my husband told me to go back to the store and return everything. I walked back to the store to return my purchase, but XXXX mysteriously locked their doors, preventing me from coming back to return my items. This was well before XXXX in the afternoon on a busy day on the XXXX in XXXX XXXX. I had to fly back to WI the next morning at XXXX, so I just took the products with me on the plane and then sent these items XXXX XXXX XXXX the next day. This package originally wound up going between myself and XXXX, with XXXX refusing to take the package back. XXXX then sent it BACK to me, and at that point, I walked the package into the XXXX XXXX XXXX XXXX XXXX hub and have documentation to confirm that I not only refused this package, but sent it back AGAIN to XXXX XXXX. While all this was happening, I had a XXXX XXXX employee try to give me ANOTHER package from XXXX XXXX at my apartment. I met the XXXX XXXX gal at the door and verbally refused the package. The XXXX XXXX employee did not give me any kind of tracking number, but I DID ask her twice if she was noting that the package was refused, and she said yes. She input the refusal on her scanner. Therefore, there were a total of two packages associated with XXXX XXXX. ONE of them for SURE was accepted back from someone named XXXX with XXXX XXXX or XXXX XXXX XXXX XXXX, which is the company that sells XXXX XXXX products out of a store on the XXXX XXXX XXXX. I have a document which shows where the 2nd package went, but I am not able to verify if XXXX accepted that package ALSO, because since I never got any kind of/ /tracking number from XXXX XXXX , the only definitive way of knowing if either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX package, is if XXXX XXXX XXXX XXXX would provide their XXXX XXXX Account number, which they have never been willing to provide to me. I DID have a conversation with an employee at XXXX XXXX who made a very interesting statement to me, saying that when packages wind up being in limbo, where the shipper and recipient never claim a package, it is XXXX XXXX 's policy to actually destroy the package. So, for all I know, this 2nd package is either STILL at a particular XXXX XXXX hub in their Overgoods section, or it's been destroyed. The one thing I DO know, is that XXXX XXXX XXXX XXXX XXXX has XXXX accepted at least ONE of the packages back. I have documentation related to my dispute with Capital One, dated XX/XX/18 and XX/XX/18, as well as a copy of the tracking label and proof of delivery. I paid {$2700.00} with my Capital One card for these products from XXXX XXXX, and {$7900.00} with my XXXX card for these products. XXXX, after reviewing the receipts, etc, has credited my account. Capital One has failed to do so, because they're saying that MasterCard is refusing to credit my account because I bought these items in person, vs. online. MasterCard/Capital One is also saying that the receipt shows that all purchases are final. HOWEVER, I received at least 3 different copiess of receipts during this purchase. I WILL note that all my receipts were pushed to the bottom of my bag at the time of my purchase, and even though the salesman was AWFULLY slick about having me sign a couple of these receipts and NOT pointing out their return policy to me, each of the receipts has different verbiage on them related to returning these products. ONE receipts has NO verbiage regarding returns. Yet ANOTHER receipt says there can not be any returns/exchanges within 14 days of purchase. Yet a THIRD receipt says that there can not be any returns/exchanges within 14 days of purchase AND that there will be a 25 % restocking fee for items returned or exchanged within 14 days of purchase. There is additional verbiage on there that all sales are final. Obviously, the return policy is confusing and misleading, to say the least. I was never verbally told by the salesman that all sales were final. If he HAD, I would've called my husband first, since it was such a large amount. It IS important to note that these two XXXX XXXX packages didn't contain all the items in one box related to XXXX, and one related to Capital One. I have several letters that I sent to XXXX regarding THEIR dispute, if you guys would like to see the paper trail related to them. My contention, is that if one of either XXXX XXXX or XXXX XXXX XXXX XXXX 's employees accepts ONE package back, and I don't have the OTHER package, and I've tried in GREAT faith to return that 2nd package to them, but XXXX XXXX XXXX XXXX XXXX refused that package and it's sitting somewhere in XXXX XXXX limbo, then Capital One should credit my account {$2700.00}, since I REFUSE to pay for merchandise that I DON'T have. Capital One has never contacted the merchant on my behalf. All they've done, is fiddle XXXX around with my documentation, stall, etc. I HATE Capital One, because where is the help? I'm OBVIOUSLY not getting any cooperation from the merchant myself. I shouldn't have to pay for products that a slick salesman stuck me with, even though I don't have them. It IS interesting to note that XXXX XXXX 's corporate office had sent me an email via a XXXX complaint that I had filed acknowledging how XXXX XXXX XXXX XXXX was a retailer and XXXX XXXX is a wholesaler, and they acknowledged the negative, misleading and XXXX sales tactics of XXXX XXXX XXXX XXXX XXXX on the XXXX in XXXX XXXX . I have seen numerous accounts of others who have been scammed with XXXX XXXX products in this same manner, by going on the XXXX XXXX website.
Company Response: Closed with monetary relief

Timely Response

2018-11-14

Mandeville, LA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-11-13

LA

Attempts to collect debt not owed

Debt collection: Credit card debt

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. CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}
Company Response: Closed with explanation

Timely Response

2018-11-13

OR

Getting a credit card

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

Sent card you never applied for
Complaint: On XX/XX/2018 I received a letter and XXXX credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.
Company Response: Closed with explanation

Timely Response

2018-11-13

Cingular Wireless, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Capital One Auto Finance XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise. I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX University, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals! In GENUINE SINCERITY I CLOSE,
Company Response: Closed with explanation

Timely Response

2018-11-13

Chicago, IL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: XX/XX/2018 my car was totaled at the time the insurance didn't want to pay. And since the car was in such bad shape when I arrived to the scene of the accident. XXXX County sheriffs had my car towed to their location due to the vehicle being non drive able. I called my loaner Capital one to dispute the claim and I was told the remainder of the cars total value which was XXXX was still due on the vehicle. I tried numerous times to decrease the payments due to pleading hardship and the car being totaled damaged. Less than six months later creditors are calling me on behalf of capital one, at this moment I am in a new vehicle and can not afford two car notes. Before i got a newer car I was trying to settle with the actual company, now creditors are calling me every other day, numerous different people, numerous area codes around the world so terrified to answer. I couldn't even get a loan was so close to the point of filing Chapter XXXX bankruptcy just so this unresolved debt wont linger over my head.I just received a letter in the mail about a few weeks ago around XX/XX/2018 saying that the creditor was willing to settle for XXXX. So if the loan has went down from XXXX then take it down another XXXX and i can then make a new compromise then what we discussed before. Due to not trying to really work with me the other times I rarely want to pay anything. I was in good standing with my this loan until this incident happened.
Company Response: Closed with explanation

Timely Response

2018-11-13

Wake Forest, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response