CAPITAL ONE FINANCIAL CORPORATION

2018-11-07

Brighton, NY

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

2018-11-07

Patterson, MD

Incorrect information on your report

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

Account information incorrect
Complaint: To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX and XXXX. I have been a satisfied customer of Capital One since XX/XX/XXXX. Your outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards in the year of XX/XX/XXXX when I lost my employment, and I was over a month late with a payment. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with payments since getting caught up. As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Thank you very much for your consideration, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-07

Bartlesville, OK

Incorrect information on your report

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

Information belongs to someone else
Complaint: I sent 3 letters dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting removal of inquiries from my credit reports that I did not make. I have previously disputed with Capital One and the CFPB and the inquiries remain without any proof that these were legitimately made by me. The inquiries were dated XX/XX/XXXX and XX/XX/XXXX. Please remove these as these requests for credit were not done by me, if you feel otherwise, provide a copy of the application that includes my signature.
Company Response: Closed with explanation

Timely Response

2018-11-07

Rncho Domingz, CA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: this company discriminates. i asked for help on past due payment history on my account. i asked for the late fee marks on my account be removed due to working on my credit. having a new card in good standing, due to me being XXXX and XXXX XXXX XXXX. i was asked private info regarding my XXXX XXXX XXXX, i was told i was a liar that the call didnt exist until 3 weeks later the call was found. i asked for my late payment reporting history to be removed. this company says they dont remove negative history from credit reports when in fact they do and have done so. i have proof. they called me a liar asked for my XXXX info all to deny me. this company is sad. they did no research from my initial email to assist me. my proof attached shows that this company lies, they pick and choose. they discriminate. they are awful. they are able they can help but they wont help women.
Company Response: Closed with explanation

Timely Response

2018-11-06

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Closed with explanation

Timely Response

2018-11-06

Problem when making payments

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

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2018-11-06

Stilesville, IN

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 monetary relief

Timely Response

2018-11-06

Charlotte, NC

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

2018-11-06

Affton, MO

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

2018-11-06

Vancouver, WA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-11-06

Mcdonough, 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 explanation

Timely Response

2018-11-06

Holy Cross, IA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2018-11-06

NY

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Hello, On XX/XX/2018, I made two identical wire transfers of $ CAD XXXX each from my companys bank account in XXXX to my wife and my personal accounts at XXXX and Capital One in the US. The two transfers were made in interval of several minutes. To my surprise, the amounts in USD which were received at each bank were entirely different. In XXXX, I received USD XXXX, which was calculated at the currency exchange rate of XXXX XXXX/USD. In Capital One, I have received USD XXXX, as the conversion rate they used was XXXX. So the difference was nearly {$3000.00} for two identical transactions of foreign exchange conversions made at the same time. Please see the attachments showing the two transfers. While understandably it is likely to have differences between two banks rates, the difference was substantial. I looked at rates range on XX/XX/XXXX, and could see that the lower rate that day was XXXX. Please see : https : XXXX I have therefore approached my local Capital One bank, who contacted their wire department for further explanation. The answer I was provided is that Capital One set their own rates which are unrelated to the trading day rates! I was very unhappy with this answer, and filed a complaint at Capital One Customer Care. I have explained that when a person makes an international wire transfer, he can reasonably expect to have the funds converted into local currency based on a trading day range ( even if it would be the lowest rate on that day ). However, Capital One used a considerably lower rate to convert my CAD to USD XXXX vs XXXX ( the day lower rate ), which it has determined arbitrarily. The response I have received from their Customer Care department was the same as the one I received from the wire department Capital One uses their own rates, and that the rate they used was correct. I responded that doing this intentionally is even worse the bank knowingly overcharges its customers when converting funds from other currencies. I therefore believe this is a very unfair and unlawful behavior of a bank to determine their own rates regardless of the days market rates. This behavior resulted in a loss of nearly {$3000.00}. I hope you are able to assist. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-06

NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-06

Boulevard, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-06

Jersey City, NJ

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-11-06

CO

Closing your account

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

Can't close your account
Complaint: [ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager, he promptly forwarded the call over to the FBI. Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.
Company Response: Closed with explanation

Timely Response

2018-11-06

West Newfield, ME

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-11-06

IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Company Response: Closed with explanation

Timely Response

2018-11-06

Wichita, KS

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 non-monetary relief

Timely Response

2018-11-06

Lewisville, TX

Getting a credit card

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

Application denied
Complaint: I applied for the capital one Savor card and was denied. I have do not have any derogatory accounts with Capital one and have actually had a Capital one XXXX XXXX credit card for a few years now in perfect standing My credit score is around 760. Additionally when I call the capital one contact person on the letter they sent me i leave a messsge and they wont call me back.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-06

Cleveland, OH

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-11-06

Charleston, 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

2018-11-06

Arrowhead Farms, CA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-11-06

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled. My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn't look favorable to future lenders. This was paid over 6 months ago. I am asking please delete this completely so it doesn't show on my credit report at all. I need my score to increase for future business plans. Best regards,
Company Response: Closed with explanation

Timely Response