CAPITAL ONE FINANCIAL CORPORATION

2018-10-25

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

2018-10-25

Ashville, OH

Fees or interest

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

Charged too much interest
Complaint: I paid my account balance off before the accounts due date of XX/XX/XXXX and they are charging me {$62.00} in interest.
Company Response: Closed with monetary relief

Timely Response

2018-10-25

Grover Beach, CA

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: I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX from Capital One. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. Capital One runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-25

Las Vegas, NV

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.
Company Response: Closed with explanation

Timely Response

2018-10-25

FL

Closing your account

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

Company closed your account
Complaint: XX/XX/2018 Both of credit cards were closed without any notice prior to doing so. I attempt several times in the past 3 days to explain the circumstances of a returned payment which was not done intentionally. i selected the wrong payment method after realizing. i contacted capital one immediately and they told me on the phone that everything will be ok. As long i posted payment on due date. i got a notification from XXXX. i feel disappointed that i had to realized from a third party that my accounts were closed. they didnt send me a email or letter. in good faith, i still paid off balance in full after account closed. captial one should understand that mistakes happen and if you cant give exception or second chance then you shouldn't be dealing with consumers. I am highly disappointed and I am awaiting to hear back from capitalone in the reconsideration reopening my account. i am in the process of buying a house and i cant allow capital one stop me from doing so.
Company Response: Closed with explanation

Timely Response

2018-10-25

TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am a XXXX patient that is losing their XXXX therefore I needed to purchase a wig. On XX/XX/18, I purchased a wig from XXXX XXXX but the hair started coming out by the handful. After the XXXX XXXX XXXX ( XX/XX/18 ), I called the owner to provide another wig or refund. Later that week I found out the wig was over 2 year old and was damaged before selling it therefore I left the wig with the owner. This wig was presented to me as a New Wig that came with bangs but this wig did not come with bangs. The owner washed and cut the wig to disguise the damages to pass it off on me. I told the owner she should have fully disclose everything about the wig, I would been able to make informed decision. I immediately requested Capital One 360 stop the Debit Card purchase but it was still pending. They told me to call back when it had posted which made it more difficult to resolve. I attempted to resolve the issue by offering to wait for new wig, ask the owner to send the wig to add more hair but the owner still refused to make good on the purchase ( {$860.00} ). Capital One 360 provided provisional credit in the amount of {$860.00} and continued to investigate. On XX/XX/18, they denied the claim because the owner says purchases are final. I explained to Capital One 360 the owner has the wig and they were allowing her to keep the funds. If they had stop the debit card purchase once it posted the owner would have worked out a resolution. After 11 years as a loyal customer of Capital One 360, a decision was made to deny the disputed claim which overdrew my checking account in the amount {$860.00}. Capital One 360 Claims department refused to speak any further.
Company Response: Closed with explanation

Timely Response

2018-10-25

Key Biscayne, FL

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: since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. Otherwise, they have to remove it as soon as possible. These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-25

Hawthorne, CA

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

2018-10-25

Chicago, IL

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: Most of those inquiries were done without my consent.
Company Response: Closed with explanation

Timely Response

2018-10-25

Leominster, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-25

Leeton, UT

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX XX/XX/XXXX, XXXX credit card XX/XX/XXXX, Kohl's/Cap One XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-25

Manhattan, NY

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

2018-10-25

MA

Fees or interest

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

Unexpected increase in interest rate
Complaint: I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.
Company Response: Closed with monetary relief

Timely Response

2018-10-25

Reno, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-25

Lancaster, TX

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

2018-10-25

Baton Rouge, LA

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
Company Response: Closed with explanation

Timely Response

2018-10-25

San Jose, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: 1 ) XXXX XXXX XXXX Account - XXXX Amount : {$11000.00} Address ID : XXXX 2 ) 1 ) XXXX XXXX XXXX Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. Thank You, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-24

Lacey, WA

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-10-24

San Diego, CA

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

2018-10-24

Drexel Hill, PA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2018-10-24

Plattekill, NY

Other features, terms, or problems

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

Privacy issues
Complaint: From : XXXX <XXXX> To : XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> Cc : XXXX <XXXX> ; XXXX <XXXX> Subject : Re : FDCPA Violation Date : Wed, XX/XX/2018 XXXX XXXX Good evening, I called the Executive Office today and spoke with someone that hung up on me. Information Requested : DOB : XX/XX/XXXX Last 4 : XXXX On the original case that was not answered. The second person I reached indicated they would submit a new case. A letter requesting the above information was received this past Saturday XX/XX/18. This allowed three business days to respond. However speaking today with the Executive Office and being the third business day does not allow enough time for us to respond with this information. A response a not received on the first case and appears there will not be one one this second case. Now a third case is being opened. This is unacceptable customer service /customer experience. We request that this matter be reviewed in a timely manner. Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX <XXXX> To : XXXX <XXXX> ; XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> Cc : XXXX <XXXX> Sent : Mon, XX/XX/2018 XXXX XXXX Subject : Re : FDCPA Violation Good morning , A letter with a resolution was never provided to us. Instead you moved forward with a garnishment of wages. We spoke with the Executive Office Rep once. I received one voicemail before that. Escalation protocols were not followed on this case. This matter is going to be referred to the CFPB and OCC. This matter will include you mishandling of the complaint. Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX <XXXX> To : XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> ; XXXX.XXXX <XXXX> Sent : Sun, XX/XX/2018 XXXX XXXX Subject : FDCPA Violation Dear Capital One Executive Office, Judgement paperwork was received on XX/XX/2018 in the amount of {$1800.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Notification of the hearing was not provided. In addition while the account was past due / in collections, and/or with your third party collections agency you violated the FDCPA ( Fair Debt Collections Act ). Detailed messages had been left on familys voicemails as to what the call was about ie a past due account. In addition some people had been reached and verbally was told detailed information, called multiple times, and they felt harassed. We request that you pull and review the phones called the account was past due. Attempts to set up a payment plan and a settlement ( less than owed ) had been made on this account. Re : Account Ending : XXXX Desired Resolution : Settle the existing judgement ( {$1800.00} ) to {$0.00} ( XXXX ) for the grief and law violations. We hope to resolve this matter without engaging the OCC, NY Attorney General, Governor, Senator, and other regulatory agencies I.e. CFPB. Best, XXXX XXXX XXXX ( brother ) in behalf of XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-24

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

2018-10-24

Mount Pleasant, WI

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

2018-10-24

Westland, MI

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-24

Durham, NC

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response