CAPITAL ONE FINANCIAL CORPORATION

2019-10-17

Orion Twp, MI

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

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

Timely Response

2019-10-17

Orlando, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-17

CO

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: On XX/XX/19 I received a call from capital one XXXX XXXX saying that my account was delinquent for {$800.00}. At closer look XXXX XXXX capital one had reversed my last four payments totally {$800.00} to XXXX/XXXX. I have been on the phone with both companies jointly multiple times since XX/XX/19 trying to get the {$800.00} back to my XXXX XXXX capital one card. I have also filed formal payment investigations twice. Both companies blame each other and no one will take ownership for the problem. I am unable to speak with a supervisor at capital one. I was told to write a letter. I am still out the {$800.00}. XXXX bill pay says they have resent it to capital one XXXX XXXX and capital one denies it and says they have not received it or that my husbands name is on it although they take payments from this account. I have spent more than 8 hours on the phone with both parties and 2.5 months later the issue remains unresolved. If it was {$100.00} I would have given up but not for {$800.00}. I need help and a voice with these two companies who seem not to care. I called once again tonight XX/XX/19 to XXXX capital one and they told me it was a XXXX issue and XXXX sent a letter today saying it is dressbarn capital one 's issue.
Company Response: Closed with explanation

Timely Response

2019-10-17

Breckenridge Hills, MO

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-10-16

Gretna, LA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Just wanted to connect my bank account to the XXXX app to assist with possible boost of my credit score, since I use this account to pay my water, electric and mobile phone service via Capital one.
Company Response: Closed with explanation

Timely Response

2019-10-16

Brooklyn, NY

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One XXXX XXXX XXXX XXXX VA XXXX has reported inaccurate information on account ending XXXX. The account was compromised due to fraud, a claim was filed claim # XXXX. This claim was found to be in my favor. There was a credit of XXXX credited to my account. Capital One is still reporting this derogatory information to my XXXX report. At the current moment the account ending in XXXX is currently open.
Company Response: Closed with explanation

Timely Response

2019-10-16

OH

Fees or interest

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

Problem with fees
Complaint: I paid my statement balance in full in the amount of XXXX and after, Capital one charged me interest in the amount of XXXX. I called and asked them to waive this as it is a fee only balance and they refused. I am asking for this to be waived and my balance to be at XXXX since i paid the balance in full.
Company Response: Closed with monetary relief

Timely Response

2019-10-16

Manhattan, NY

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response

2019-10-16

Lewisville, TX

Problem with a company's investigation into an existing issue

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

Was not notified of investigation status or results
Complaint: All Customer complaints data is being scraped from multiple websites such as cfpb, XXXX, occ, fdic etc by Capital One Bank. They are accumulating all this data without informing the customers and appropriate source authorities such as cfpb, XXXX, occ, fdic.
Company Response: Closed with explanation

Timely Response

2019-10-16

TX

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

2019-10-16

Bremen, GA

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: XXXX XXXX one of them XXXX XXXX and it was some other businesses and companies that I applied for a credit card and they denied me
Company Response: Closed with explanation

Timely Response

2019-10-16

GA

Improper use of your report

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

Reporting company used your report improperly
Complaint: Step 1 : What is this complaint about? This complaint is about Wal-Mart selling their credit card account to capital 1 and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. Step 2 : What type of problem are you having? When Walmart sold the credit account to Capital One, either Capital One or Wal-Mart closed out the account on my XXXX credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair. Step 3 : What happened? My score went down 23 point in one day on my XXXX report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience. Step 4 : What company is this complaint about? Wal-Mart, Capital One, XXXX XXXX, XXXX. Step 5 : Who are the people involved? Myself was effected by Wal-Mart, Capital One, XXXX XXXX, XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-16

CT

Problem when making payments

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

Problem during payment process
Complaint: I have repeatedly file complaints with capital one over thier payment system. I have made several payments from the same account number now capital one is refusing to move late payments from my account after acknowledging that the payments were made and did not go through. For security reasons my bank will not provide account and routing numbers in a letter on their letter head which capital one is asking for. When trying to input my account number on several occasions the system kept saying invalid account number even though my account number is valid. Capital one acknowledges that I made the payment from the account that I always make it from but sometimes their system accepts it and sometimes it doesn't
Company Response: Closed with explanation

Timely Response

2019-10-16

Tustin, 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 non-monetary relief

Timely Response

2019-10-16

Succasunna, NJ

Problem when making payments

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

Problem during payment process
Complaint: I had already paid this Kohl 's account and they are still reporting it on my credit report but they keep updating it and it is hurting my credit. Even the date of late payment is different across each credit report.
Company Response: Closed with explanation

Timely Response

2019-10-16

Brooklyn, NY

Incorrect information on your report

Checking or savings account: Checking account

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-16

Co Spgs, CO

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: capital one keeps reporting negative remarks on my accounts to the credit bureaus. They keep saying that I initiated a dispute, investigation completed, and consumer disagrees and this is simply not the truth. My two capital one accounts are closed. At one point the payments were late but never missed as I always paid something. I closed these accounts and enrolled them into a debt management company so that Capital One would be paid. I could have walked away from the debt but did not do so. But Capital one says that I have disputed my accounts and that is not true. The only thing I have ever disputed are these false, misleading remarks that they keep placing on my credit files. I am trying to get a mortgage and this is impacting my ability to do so. Why must capital one do this to me? Are they upset that the interest rate got reduced when I submitted my two accounts to be handled by this debt management company? Are they not happy that the accounts are being paid on time each month? Why are they intentionally trying to hurt me by posting these remarks that are not true on my credit reports. They are intentionally trying to get me turned down for a mortgage for my family. I have asked them in the past to stop this, they called me and said that all remarks would be removed but this was a lie. I am filing this complaint to have the CFPB help me. I am attaching a copy of the credit report to show proof of their unprofessional conduct. My next step is to file a State Attorney Generals complaint against them if they refuse to honor my request. They are intentionally reporting these false, derogatory remarks on all 3 credit bureau reports and it needs to stop. This is getting out of hand that they are doing this to me. I could simply stop paying them and let the debt go into a write off status for them and not let them get one single dime moving forward but I do not want to do that but they are leaving me no choice. If the remarks are not removed and kept off moving forward the Colorado State Attorney Generals office will open an investigation. Account numbers XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Lakewood, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-16

Dekalb, IL

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

2019-10-16

Balcones Heights, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-16

Madison, WI

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

2019-10-16

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
Complaint: Called to file and investigate the dispute. I was advised my information not matching the application that was filed.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Coconut Creek, FL

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2019-10-16

Brownwood, TX

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-10-16

Cortland, NY

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response