CAPITAL ONE FINANCIAL CORPORATION

2019-10-15

Palm Coast, FL

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

2019-10-15

Cleveland, OH

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

2019-10-15

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-10-15

Sarasota, FL

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 explanation

Timely Response

2019-10-15

Chicago, IL

Closing your account

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

Company closed your account
Complaint: I just came back from overseas and I realized I had a Capital One account still open and payment due. When I called originally ( XX/XX/XXXX ), I was trying to get the status of the bill/account. I asked when I needed to pay the bill by and they said the following Friday ( XX/XX/XXXX ). That's when the billing cycle was over. On Monday ( XX/XX/XXXX ), I called to make a full payment and they said it went into collections and they're not sure why/how the other representative said Friday. They told me to call back or they'll call me right back. They haven't gotten back to me and every time I've called, I get put on hold of hours or get the runaround/transferred. Customer service was absolutely horrible and nothing was resolved.
Company Response: Closed with explanation

Timely Response

2019-10-15

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-10-15

AR

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 explanation

Timely Response

2019-10-14

Anaheim, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: i had i checking account with capital one i have stolen 2 checks was cashed it was not my writing on my signature on the checks capital one cleared the checks when i find out that they just gave me very hard timeo get copys of the stolen checks never willing to help me and closed my account i filed a complain against the cashing bank XXXX XXXX after while XXXX XXXX refuse to give me info ( there letter included ) they said i have to file dispute with capital one and here im capital one they are responsible for my money taking away
Company Response: Closed with explanation

Timely Response

2019-10-14

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-10-14

Atl, GA

Trouble using your card

Credit card or prepaid card: Store credit card

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

Timely Response

2019-10-14

Decatur, 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

2019-10-14

Decatur, 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

2019-10-14

Haskins, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I currently have an auto loan through Capital One. I was involved in a car accident in Michigan where the state has no fault insurance. Due to that and the month it took for them to report my car as totaled I had to quickly find a car because I depleted my savings into a rental thinking my car was going to be fixed. I went to a great dealership where they were very helpful -- from what I thought. The payments were manageable -- not ideal but manageable at about {$340.00} a month. Its been about a year with this car and I've been making the payments. With being a student in school and working to build my finances I had my cousin help me work a path to save. I sent him everything to look into and he came back and was astounded that this dealership let me sign these papers given what the interest rate was 21.68 %. In my defense I grew up in a household where I was not taught any of these things and our education system doesn't even touch on this. I looked at the payment amount and thought all was fine. I've reached out and they told me that due to my credit that is why it is high. Other lenders have told me the same thing -- how is this a fair market for those who are learning and trying to get themselves out of a mess like this? My questioning as I am slowly learning the total amount I'd be paying in interest is at this point robbery.
Company Response: Closed with explanation

Timely Response

2019-10-14

Los Indios, TX

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I spoke to a representative on XX/XX/XXXX. He said he was calling from capital one. They've been calling me since XX/XX/XXXX. They call me several times a day. While I'm in school. I told him that I'm a XXXX XXXX with no job but I was going to pay on XX/XX/XXXX. I told them to stop the calls. He told me that it was impossible. They were going to wait a week and if the debt wasn't paid they will call again. I have been getting about 5 calls a day since then.
Company Response: Closed with explanation

Timely Response

2019-10-14

Moapa, NV

Problem when making payments

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

Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Lewisville, TX

Getting a credit card

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

Sent card you never applied for
Complaint: i was checking my credit report and see i have a capital 1 credit card on my closed credit but iv never had a credit card in my life nor did i open one
Company Response: Closed with explanation

Timely Response

2019-10-14

Brooklyn, NY

Trouble using your card

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

Account sold or transferred to another company
Complaint: I had a capital one bank credit card that I forgot to make payments on since 2017 back then I didn't fully understand how credit cards work!
Company Response: Closed with explanation

Timely Response

2019-10-14

Cleveland, OH

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-14

Palos Park, IL

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Berthoud, CO

Problem with fraud alerts or security freezes

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

Complaint: Always had problems, been through since XXXX. Never resolved! ... i am XXXX so life been told was resolved and fixed it but it's never been since XXXX!
Company Response: Closed with explanation

Timely Response

2019-10-14

Cub Run, KY

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
Complaint: In XX/XX/2019 I paid off my Capital One card and was not planning on using the card ever again because of the high interest rate. The card was lost or stolen and charges in the amount totaling up to {$690.00} were charged. I have contacted Capital One multiple times and reported my card as being stolen and fraudulent charges were made. Capital One stated the card had been blocked and that I would not be responsible for the charges. Since XX/XX/XXXX I have had multiple addresses post on my credit reports that I've never lived at by Capital One. I still reside where I did when I applied for the card. I've disputed with the credit bureaus the information was incorrect with No resolve to my issues. I would like the {$690.00} in fraudulent charges removed and my credit reports updated as well as a payment that Capital One posted late in XX/XX/2019. Since then my account has been closed and I was told the information would update by Capital One but it never has and they stated it had updated my balance to show a {$0.00} balance and the negative payment was removed, but this is not true.
Company Response: Closed with explanation

Timely Response

2019-10-14

Mount Holly, OH

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I made a payment on XX/XX/XXXX to my XXXX credit card. Payment was accepted with confirmation XXXX. I never received notice that they didnt get the payment. And I never saw it returned to me. Now I have a payment past due when I did make the payment on XX/XX/XXXX. This will affect my credit because they couldnt process the payment correctly because according to the gentleman I spoke with, this happens all the time. What I dont appreciate is the lack of communication that the payment didnt go through when it was accepted in the first place and then just brushed off with it happens all the time. This affects their customers credit when they cant even process payments for whatever reason they have. I dont like the answer I was given and I want them to remove the past due amount.
Company Response: Closed with explanation

Timely Response

2019-10-14

Jackson, MI

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

2019-10-14

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX XXXX, XXXX has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is dated XX/XX/2019. I did not respond to this most recent communication.
Company Response: Closed with explanation

Timely Response

2019-10-14

Jackson, MI

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response