CAPITAL ONE FINANCIAL CORPORATION

2018-11-12

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-12

Ellis Island, NJ

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

2018-11-12

Golden Isles, 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 explanation

Timely Response

2018-11-12

Belleview, KY

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!
Company Response: Closed with explanation

Timely Response

2018-11-12

Danbury, CT

Fees or interest

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

Problem with fees
Complaint: I have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!
Company Response: Closed with monetary relief

Timely Response

2018-11-12

Southern Pnes, NC

Incorrect information on your report

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

Account status incorrect
Complaint: I have been trying for months to fix the issue with Capital One. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX and XXXX and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.
Company Response: Closed with explanation

Timely Response

2018-11-12

Euclid, OH

Other features, terms, or problems

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

Problem with balance transfer
Complaint: On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.
Company Response: Closed with explanation

Timely Response

2018-11-12

AL

Incorrect information on your report

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

Account status incorrect
Complaint: I have disputed this problem several times with Capital One Bank and the three credit bureaus over the past year with no results. I had two credit cards with Capital One that I let get behind, but when my finances got better a few months later I called Capital One and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with Capital One that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Company Response: Closed with explanation

Timely Response

2018-11-12

Washington, DC

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

2018-11-11

Yorba Linda, CA

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 non-monetary relief

Timely Response

2018-11-11

Pleasanton, CA

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Closed with non-monetary relief

Timely Response

2018-11-11

Mount Pleasant, SC

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

2018-11-11

Hon, HI

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018 Capital One has sold my account ( # XXXX ) to XXXX XXXX XXXX XXXX. But Capital One is still reporting this account on my credit file XXXX XXXX and XXXX as a charge off. The information on this account do not match, date of last activity are inaccurate. Further more Capital One no longer owns this account so it must not be reported by them and deleted or removed from my credit file permanently. Pls investigate and send me any updated information on this complaint. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi, XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-11

Brooksville, FL

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

2018-11-11

Ft Lauderdale, FL

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!
Company Response: Closed with monetary relief

Timely Response

2018-11-11

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Last year someone opened a Kohls department store card in my name without my consent. Whoever accessed my info made frivolous charges on my behalf. I have no knowledge to how my info could have been obtained
Company Response: Closed with non-monetary relief

Timely Response

2018-11-11

Clovis, CA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-11-10

Massillon, OH

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2018-11-10

Quartzsite, AZ

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: In XX/XX/2018 capital one sent emails stating false acussations regarding an invitation to an auto loan.I was told that applying would not have an impact on my credit.In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Company Response: Closed with explanation

Timely Response

2018-11-10

AZ

Closing your account

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

Company closed your account
Complaint: I received the response from the credit card company and it was unacceptable. Just because you sold the account doesn't mean it can not be fixed. It can be recalled because the debt was a mistake. Just saying that it is out of our hands is unacceptable because I can prove with your own Customer Agreement that with the security deposit being collateral for the account then i dont owe anything and you need to change collateral to partial collateral or factor in late fees and interest for an average secured credit card account when collecting a security deposit. In the Capital One Customer Agreement under Security Agreement first paragraph : " You must provide a security deposit in U.S. dollars from a U.S. deposit account ( the " Funds '' ) to secure the obligations to us that you incur in connection with your Account ( " Obligations '' ). So the deposit is to ensure you keep to the customer agreement. [ Customer Agreement = Obligations ] All fees and interest fall under this statement being in connection with your account [ so if the obligations describes the whole agreement " Obligations '' = credit limit + interest + fees which is your " Balance ''. In paragraph 4 it further describes the security deposit as being Collateral by stating " You grant to us, as of the date you deliver Funds to us, [ Funds being the security deposit ] a security interest in the Funds, any additions to the Funds, any proceeds of the Funds and any interest on any of these ( collectively the " Collateral '' ) [ so they are stating that Funds + addition to Funds + interest on Funds + proceeds of the Funds = Collateral so lets back up, if Security Deposit = Funds and All Funds = Collateral then Security Deposit = Collateral ] to secure your performance of the Obligations. '' Basically the security deposit is collateral for the " Obligations. '' So the security deposit covers everything in the agreement. Collateral is defined collateral /kladrl, klatrl/ noun noun : collateral ; plural noun : collaterals 1. something pledged as security for repayment of a loan, to be forfeited in the event of a default. synonyms : security, surety, guarantee, guaranty, insurance, indemnity, indemnification ; backing " she put up her house as collateral for the loan '' This is the definition when XXXX searched. You can go to XXXX and search " Collateral '' to find this definition. [ to help understand i would define collateral as being different but equal to so if im loaned XXXX dollars and give a watch as collateral then the watch = {$20.00} in the deal. Doesnt matter if the watch is worth {$50.00} its still a full payment for the {$20.00}, same goes if the watch is only worth {$10.00}, its still full payment for the {$20.00} not watch + {$10.00} when you go to collect. So in that definition they use the word loan. Loan in our case is the " Obligations '' [ which obligations would be everything in the agreement you agreed to which includes interest and fines which is the " Balance '' ] No where does it say that the security deposit is partial collateral for the loan or " Balance ''. The way the dictionary defined it was house = loan, so the house covers the loan or in our situation " Obligations '' which is all terms in the agreement all formed into a " Balance '' So all related together a Loan = Obligations and Obligations = Balance so house = balance or in our situation security deposit = balance. What your doing is saying the house is only partial collateral of the loan or " Balance '' and now you want the house + car as payment when the house was already agreed upon as collateral for the loan aka " Obligations '' The reason there was this misunderstanding was because i lost my job and my balance was under my credit limit and i could not pay anymore but i did not close the account because i read that the security deposit is collateral meaning i didnt have to pay anything cause it was covered by the security deposit and what you would do is just take my security deposit and it would be done the account would be closed and all even. Instead i had to find out from my credit report that you tacked a bunch of fees and then closed the account. This is why i had to define what collateral means in our situation because if i paid a security deposit and a security deposit is collateral then you would have just closed the account and it wouldnt matter if you added any fees to the balance because it would be covered by the security deposit with the word collateral being used. Remember even if different it is still equal no matter if it more or less. You must know what collateral means if using it in your agreement. You can not use collateral because there is no such thing as partial collateral. When something is collateral it equals whatever the loan is. In this case the loan would be described as the Obligations so you cant say that everything is not satisfied when using the word collateral because collateral means one thing equals another not one thing equals some of the other. When i read that the security deposit was collateral i understood that it would cover the obligations so you cant say the security deposit is collateral and not have it satisfy all the obligations. you would have to remove the word collateral and use something else to describe the security deposit. THERE CANT BE ANY PART OF THE OBLIGATIONS NOT SATISFIED IF YOU USE THE WORD COLLATERAL so that sentence does not make sense in the agreement. Im talking about the sentence that says " You are responsible for the repayment of any Obligation that is not satisfied by the application of the Collateral. '' YOU CANT APPLY A COLLATERAL AND NOT HAVE EVERYTHING SATISFIED. When using collateral it covers one item to another and in this case security deposit to obligations and everything is satisfied. its house-loan not when you go to collect collateral then asking for house + car to = loan
Company Response: Closed with explanation

Timely Response

2018-11-10

Arco, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. XXXX XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.
Company Response: Closed with explanation

Timely Response

2018-11-10

Gluckstadt, MS

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 explanation

Timely Response

2018-11-10

Warren, RI

Trouble using your card

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

Can't use card to make purchases
Complaint: First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere. Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase. One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product. Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?
Company Response: Closed with explanation

Timely Response

2018-11-10

Library, PA

Incorrect information on your report

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

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

Timely Response

2018-11-10

Cleveland, OH

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 explanation

Timely Response