CAPITAL ONE FINANCIAL CORPORATION

2018-11-04

Cols, GA

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

2018-11-04

Philatelic Center, CA

Trouble using your card

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

Can't use card to make purchases
Complaint: Capital One has been dropping the ball repeatedly and the amount of time and inconveniences they have caused me has gone too far. I purchased two airline tickets on XX/XX/XXXX, the first in the amount of {$160.00} and the second {$370.00}, it takes a lot of planning and time spent in deciding this purchase but to hit a wall I didn't see coming? again, this is not the first time either, same thing happend exactly 7 days ago, none of my cards with Capital One wouldn't process and when I called the representative then, they are not willing to take responsibility, nor apologize or explain as to why, this is ridiculous! Yes, my funds are plenty! And this is not user related issue believe me ( browser, internet connection, typo or whatever crosses your mind now ) I know what I am doing, it seems the transaction went through for now, that is what it appears like, but no pending transactions are showing in Capital One pending activity page for the entire day that I made purchases for, forget the past hour, and the agency I purchased the ticket from may not be issuing the ticket because nothing has gone thru, this is taking owefully long and that is what prompts me to dig deeper and find out there is " system update '' going within the Capital One, whatever that means, that doesn't mean anything to the customer, just words, be transparent and let your customer know before they get impacted, be transparent and professional. How am I suppose to know if my online purchases went through or not, if I am not receiving the usual email, texts, and also doesn't show under pending transactions for hours? And in last weeks case, it just wouldn't charge at all, I had to call and provide my card information to make that purchase, why all these unnecessary hassle? Now, if I don't get that ticket processed soon, the rate will change and I will be forced to look for other financial institute that would like to take my money but at the same time are stable, communicative, transparent and professional, these are the basic principles, ... come on! I just want Capital One to take this seriously and stop this " brown outs '' which are not acceptable in my book.
Company Response: Closed with explanation

Timely Response

2018-11-04

Ft Trumbull, CT

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.
Company Response: Closed with monetary relief

Timely Response

2018-11-04

Chula Vista, CA

Fraud or scam

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

Company Response: Closed with non-monetary relief

Timely Response

2018-11-04

Stafford, VA

Closing your account

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

Can't close your account
Complaint: Following Payment in full of this account in XX/XX/XXXX - I have requested multiple times a final official credit card statement. The XX/XX/XXXX statement provided to consumer by Capital One Bank, NA shows a balance of XXXX. For accounting purposes, the account should have generated a final statement reflecting the current PAID IN FULL XXXX BALANCE. I request the statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One Bank, NA online profile indicates that a statement did cut for those statement cycle dates. However, these statements were not provided to consumer and remain disabled/blocked unable to be viewed online by both Capital One customer service representatives and consumer. Additionally, I request clarification as to why under the XX/XX/XXXX statements a duplicate statement for XX/XX/XXXX is shown.
Company Response: Closed with explanation

Timely Response

2018-11-04

Arlington, TX

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2018-11-04

Arlington, VA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: On XX/XX/2018, opened account and funded the account from an external account totaling over {$50000.00}. On XX/XX/2018, I logged into my online banking to see a very small notice that my account was on hold and that I should contact bank. I contacted bank on XX/XX/2018, and spoke to a representative who informed me that two transfers had been reversed. Transfer dates were on XX/XX/2018 and XX/XX/2018. Funds were transferred back to the account in which the initial account funding took place on XX/XX/2018. During the call on XX/XX/2018, I informed rep that the transfer reversals need to be cancelled immediately as the funds were no longer being held in the external account, and that this would result in returned item fees and NSF fees at the bank the funds were already transfer to, had cleared, and been made available to me. The representative refused to cancel the transfer reversals and advised that no one at the Bank would be able to do anything about this problem. This is problematic because I received NO notification that the transfers were being reversed and have now been charged with the fees at the external institution.
Company Response: Closed with explanation

Timely Response

2018-11-03

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-11-03

Orange, 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

2018-11-03

Montevallo, AL

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: Another instance where I qualify for this auto loan applied at XXXX XXXX on XX/XX/XXXX and was denied by Capital Auto Finance because there are too many inquiries. Isn't inquiries a part of the car buying process? If too many inquiries due to car buying then Capital One Auto Finance should take the lead and change this policy. This is a flimsy excuse. My present auto is financed through Capital One Auto Finance with a 12 percent interest rate and a {$350.00} monthly payment since XX/XX/XXXX. Capital One Auto Finance in the business to make as much money as possible from the consumers even if they do have good credit. A direct quote from Capital One Auto Finance : There have been too many recent inquiries. Give me a break if that is the only thing they can come up with to deny the application. All these inquiries are from auto dealerships whom all encourages the buyer to fill out the application after assessing income and credit by stating that they finance all types of credit.
Company Response: Closed with explanation

Timely Response

2018-11-03

Norwalk, CA

Improper use of your report

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

Reporting company used your report improperly
Complaint: Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-03

Tarzana, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/18, I initiated an instant transfer from XXXX to my Checking Account with Capital One 360 in the amount of {$700.00}. This transaction, as intended, posts instantly. The funds were in my account on the day of XX/XX/2018. Upon reviewing my account and preparing to pay rent, the funds are no longer in my account. On XX/XX/18, I contact XXXX to investigate. XXXX informs me the money was in fact deposited into my Capital One 360 account. I immediately contact Capital One 360 and speak with a manager ( XXXX? ) who was not helpful. He never offered the ability to investigate and he could not see the transfer on his end, either. On XX/XX/18, XXXX sends me an email with detailed transaction information that should assist my bank in locating the missing funds. I contact my bank on XX/XX/XXXX and speak with a representative ( name? ) and provide her the details. She places me on hold, and after 20 minutes, the call disconnects. I call back and speak with a manager named XXXX. XXXX begins to file an investigation request. Upon learning that the transaction would have posted as an " original credit transaction '' and not an ACH transaction, she is no longer able to submit the form to investigate and I will " have to send them a detailed email with the facts and someone should get back to me within ten days. '' I submitted the email on XX/XX/18 and do not expect to receive a response. I have had to utilize their email in the past to communicate and have yet to receive a response regarding any of my past grievances. So now, XXXX can not take responsibility because their records show the money successfully arrived in my account. My bank, Capital One 360, will not take responsibility nor can they investigate the transaction. Now I have late on rent and will be assessed a {$180.00} late fee as a result.
Company Response: Closed with explanation

Timely Response

2018-11-03

Neenah, WI

Problem with customer service

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

Company Response: Closed with explanation

Timely Response

2018-11-03

Rahway, 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

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

Timely Response

2018-11-03

Arlington, TX

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2018-11-03

Chicago, IL

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

2018-11-02

San Gabriel, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX to file a dispute with them and the file # is XXXX. My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. XXXX : 1. XXXX - OCT. XX/XX/18 2. XXXX/ XXXX. - XXXX XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX Bank - XX/XX/18 XXXX : 1. XXXX XXXX Bank - XX/XX/18 2. XXXX , XXXX - XX/XX/18 3. XXXX XXXX Bank XXXX - XX/XX/18 4. XXXX/ XXXX - XX/XX/18
Company Response: Closed with non-monetary relief

Timely Response

2018-11-02

Orange, 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

2018-11-02

Houston, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-11-02

Bellaire, TX

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

2018-11-02

Beaumont, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-11-02

Placentia, CA

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-02

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-11-02

Plattekill, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I a partial payment of {$400.00} for my mortgage with XXXX XXXX XXXX XXXX on XX/XX/2018. Capital One Bank didnt process the payment. It was not reflected on my account statement. As a result, I was charged a lot of fee with XXXX XXXX XXXX XXXX. My mortgage even when to a foreclose because of this. I want to be compensated for this BIG error.
Company Response: Closed with explanation

Timely Response

2018-11-02

AZ

Incorrect information on your report

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

Account status incorrect
Complaint: Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Company Response: Closed with explanation

Timely Response