CAPITAL ONE FINANCIAL CORPORATION

2018-10-18

Watkins, CO

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

2018-10-18

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2018-10-18

Vista, 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
Company Response: Closed with explanation

Timely Response

2018-10-18

Chester, NY

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

2018-10-18

Newnan, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have 30days to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Company Response: Closed with explanation

Timely Response

2018-10-18

Darnestown, MD

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 explanation

Timely Response

2018-10-18

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2018-10-17

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

2018-10-17

Brooklyn, 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 non-monetary relief

Timely Response

2018-10-17

N San Juan, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-10-17

Oceanside, CA

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

2018-10-17

Magnolia, TX

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Andyville, MN

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

2018-10-17

Saint Louis, MO

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-10-17

Pullman, WA

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One /Auto Finance continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Company Response: Closed with explanation

Timely Response

2018-10-17

Phila, PA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-10-17

South Florida, FL

Fees or interest

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

Problem with fees
Complaint: Hello, my name is XXXX XXXX and I recently moved to XXXX and have had a difficult time finding a job and paying my credit cards payments on time. While this has been a difficult transition for me I have still managed to make two payments a week late in the last month ( {$35.00} ). I still do not have a job yet and have decided to join the XXXX XXXX in order to serve my country and become more financially independent. While this is still in processing I am adamant about staying on top of my bills and paying my credit card payments on time. It is very important to me to stay in my integrity and honor the debt that I owe. The specific credit card in this situation I am writing to you about is Capital One. I have made two late payments and have been charged twice for late fees ( {$25.00} x2 ). I promise that this will not happen again and I will stay on top of this bill I just need those fees waived and for the derogatory marks to be taken off of my credit score. The XXXX XXXX is looking into my credit history and it is imperative that I be making on time payments in order to secure my contract with them. Please from the bottom of my heart I promise I will make my payments on time I just need some help clearing these two mistakes off of my history and my credit score.
Company Response: Closed with monetary relief

Timely Response

2018-10-17

Hinsdale, 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: I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-17

College Park, SC

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2018-10-17

Alden Manor, NY

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

2018-10-17

Oxford, 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
Complaint: My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Apple Valley, MN

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
Company Response: Closed with explanation

Timely Response

2018-10-17

Beaukiss, TX

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 explanation

Timely Response

2018-10-17

Ocklawaha, FL

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.
Company Response: Closed with explanation

Timely Response

2018-10-17

Leeton, UT

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
Complaint: When I first set up my credit account at XXXX, the system was down. I stood in the store, giving my address multiple times, for around 30 minutes. At which point the XXXX employee took down my contact information, including address, and said that she would have to call in my information, and would call me back when it was done. She did, and I awaited the delivery of my XXXX store credit card, and first bill. As time went on so did life, and I overlooked the fact that nothing had been received. That is until I received an email stating I was past due. When I called Capital One, I spoke with an understanding representative who informed me that the address on file was not at all my address, but I did not ask what address was listed. She placed me on hold to order a new card, copies of statements, and informed me that my account had been re-set back to day one. All fees had been credited, and despite my ability to make a payment that day, she said I could pay on my next due date. XX/XX/2018, is the third due date Ive had the opportunity to pay since that phone call. While I received the statements, I did not receive the card. It was at this point I contacted Capital One again with the email address provided by the XXXX. About two weeks passed, at which point I received a phone call from a XXXX at the corporate office. When I called back, the voicemail I reached seemed to be for someone else, as the voice was different, and the name used didnt sound the same. I left a voicemail, answering the questions, and informing that my email was quite detailed, and my issue straightforward. I want my card, access to my online account so I can set up auto-pay, and any charges credited due to Capital Ones error. Several more weeks pass, and I receive a letter from XXXX stating that I will not get a replacement card until my past due balance is brought current, and no mention about the error in address and how that has negatively affected my account. Only that it was reported to the credit bureaus that I disputed the charges. This is unacceptable. First, how can it be a replacement card when I never received the first one? I want online access so I can easily look through my statements, and manage my account appropriately. So far Capital One is 2-0, leading to my skepticism of any information I am going to receive over the phone. I have taken my time to research the credit card act, as I felt that if this wasnt illegal it is undoubtedly highly unethical, and Parking my debt. I list my reasons below, where I believe Capital One has violated the credit card act, and their own terms. It is for these reasons I have informed the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) and XXXX corporate office. 1. The Fair Credit Reporting Act ( FCRA ), states that a financial institution which extends credit, and regularly, in the ordinary course of business, furnishes information to consumer reporting agencies, such institution shall provide notice of negative reporting. While posting this on a bill is sufficient it must be provided, and conspicuous. Capital One failed to do this when I did not receive my statements. 2. Per Section 127 ( b ) ( 12 ) of the Truth In Lending Act ( 15 U.S.C. 1637 ( b ) ( 12 ) states ; ( A ) Late Payment Deadline Required To Be Disclosed. In the case of a credit card account under an open end consumer credit plan under which a late fee or charge my be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. 3. Section 163 ( a ) further outlines ; Time to make payments. A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. Im certain there are more statutes which have been violated, and continue to be violated, by Capital Ones failure to rectify its billing error. But, frankly, this has taken up too much of my time, efforts, and inconvenience, to research further. The bottom line is my bill was delayed, therefore I was unable to pay. I have paid in a timely manner for the three months I have received statements since. I am not, and can not be, in default. Therefore, I expect the following resolutions :
Company Response: Closed with monetary relief

Timely Response