CAPITAL ONE FINANCIAL CORPORATION

2019-09-27

Beechhurst, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with monetary relief

Timely Response

2019-09-27

Bristow, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-09-27

Bancroft Hall, MD

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
Complaint: Consumer call credit card company to ask for copies of the receipts signed to file a police report. Consumer was told no receipts exist. This consumer states no credit card was opened and no purchases were made.
Company Response: Closed with explanation

Timely Response

2019-09-27

Blountsville, IN

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: I have applied for a Credit Limit Increase 9 times, since I have been a customer of Capital One. Every time I have been denied. I requested an increase and been denied, when my credit score has improved tremendously compared to my scores when I was originally approved. I have compared my situation with other personal friends, and feel that I am a victim of Credit Discrimination. I have called Customer Service and asked to speak to the Credit Department, and was told that was not possible. I spoke to a Senior Representative instead. Although the Representative did understand my frustration, I was still told that there was no way to talk to the department who handles this issue. I believe that my payment history warrants an overdue credit limit Increase, as well as my credit score.
Company Response: Closed with explanation

Timely Response

2019-09-27

Las Vegas, NV

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
Complaint: Capital One Bank has been 3 months on changing my payment date and every time I call since XXXX it's been one run around after run around with request of payment change of date. Capital One Bank every time I call they claim that the request was just put in. Change my request in XXXX every time it's the same old story as it's games with capital one bank.
Company Response: Closed with explanation

Timely Response

2019-09-27

Manhattan, NY

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

2019-09-26

Clayton, MO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I opened a credit card account with Capital One and they sold it to another company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/2019 I tried to resolve it with Capital One and XXXX XXXX XXXX and was told, by XXXX XXXX of XXXX XXXX, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. XXXX XXXX- ( XXXX ) XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-26

Hayward, CA

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

2019-09-26

Buffalo, NY

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-09-26

Magnolia, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Company Response: Closed with explanation

Timely Response

2019-09-26

Carrollton, TX

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

2019-09-26

Gastonia, NC

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: On XX/XX/2019 a check was written to Capital One Auto Finance XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, Check number XXXX for the amount of XXXX . The bank has confirmed that it was deposited to account ending XXXX on XX/XX/2019 which is listed as a Capital One Account. The funds were taken from my account but after calling Capital One several times they can not find the money, there is not account of the payment and they are still attempted to collect and repo the car. There should not be any threatening communication when it has been made clear that there is an error on the Capital One Side.
Company Response: Closed with explanation

Timely Response

2019-09-26

El Sobrante, CA

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

2019-09-26

NM

Problem when making payments

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

Problem during payment process
Complaint: In XXXX I payed my statement balance on XXXX which was normal and no problems at that time then on XXXX I payed the balance again because I was going out of town and wanted to stay ahead of the game. Later on in the month of XX/XX/XXXX my card was declined so I call Capitol One to inquire as to why the charges would not go through well after an hour of XXXX about fraud they said my card payment was past due so I explained how I had payed the balance twice in XX/XX/XXXX and that it was a 30 day revolving card. Well come to find out my statement had not cycled until XX/XX/XXXX and there were a total changes of XXXX that had come through on the XX/XX/XXXX so my account was past due. I have been a customer for 17 years and have always payed my bill on time. They charged me XXXX in intrest on XXXX and the account should have never been classified as past due! This is hwy robbery and poor business practice at the very least all attempts to resolve have failed the people I talked to have such heavy accents they were very difficult to understand as well. I will be shutting down my card as soon as i can use my XXXX points. Given the fact this Bank is responsible for the largest data breach ever it is apparent that they are crooks as well.It is time large banks such as Capitol One be held responsible for there poor business practices and I hope this complaint starts the process. This is totally unbelievable. Thank You XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-09-26

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-26

Burien, WA

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

2019-09-26

Fdl, WI

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 non-monetary relief

Timely Response

2019-09-26

SD

Other features, terms, or problems

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

Problem with customer service
Complaint: Earlier this year I requested a replacement card as mine was worn and coming apart. Capital One sent a replacement card, but it was identical to my current card ( account number, expiration, cvv ) and active while in the mail. The card even had a sticker that stated the card is active and you do not need to do anything. Although convenient this is very lax in security to mail an active card out. A few weeks ago I logged onto the mobile app and when I touched the button to go into the account it said my card was activated. After digging a little deeper I see that a new card was sent for the one I requested earlier this year as it is expiring. I sent an email to the CEO advising that I was not happy with their security measures as with the data breach that occurred, mailing active cards in the mail to customers and now the mobile app activating cards I have not received as the button is overlaid on the account when you login that they should review. I also called on XX/XX/2019 and spoke to XXXX to see when the new card was mailed and told it went out on XX/XX/2019. After waiting a few days and not receiving I called on XXXX and spoke with XXXX and was told the card was " processed '' on XX/XX/2019. It was unclear what " processed '' meant. After the call I received an automated email from Capital One stating my card is going to expire and a new card was sent to replace it that I would receive by XX/XX/2019. It would appear that the agents on the phone do not have a clue what is going on. On XX/XX/2019 I received a call from the Presidential/Executive Correspondence group in relation to my email and spoke with XXXX. The agent was very rude and had a horrible attitude. I was basically told that the reason the button to activate the card was overlaid on the account button was because of the display settings of my phone. Which is XXXX as I am very tech savvy and have used this app forever and never changed anything on the app or my phone. After calling the agent on her attitude she said she would respond in writing. Maybe that response will be attitude free. I did not ask them for anything ( compensation or otherwise ). I simply advised them that as a customer I am very displeased with their focus on customer account security. Also maybe they should find better representatives for the Presidential units. Given that I work for a large financial institution in compliance and have for 20 years I know what good customer service looks like and what security should look like. Capital One has exhibited neither. I also understand that the Presidential/Executive Correspondence Groups in the bank are set up to respond to inquires made to top executives and from regulators, but are made up of low level staff that have little or no authority to really do anything other than respond.
Company Response: Closed with explanation

Timely Response

2019-09-26

GA

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

2019-09-26

Portage, OH

Fees or interest

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

Charged too much interest
Company Response: Closed with monetary relief

Timely Response

2019-09-26

Hinsdale, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-09-26

NJ

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
Complaint: This is in regards to Complaint numbers XXXX and XXXX ... I just saw that Capital One credited my account for the two transaction rebills after rebilling me rather than crediting me as they said they would do ... However, I clearly stated in my complaint that these transaction rebills that were not supposed to be there caused interest charges on my account, and they never removed them. They are as follows ... XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$0.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$1.00} Please tell Capital One to remove these charges. They've given me enough of a headache and wasted enough of my time ...
Company Response: Closed with monetary relief

Timely Response

2019-09-26

Santa Clara, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-09-26

Reading, MA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-09-26

Odell, OR

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
Complaint: Purchased a XXXX product online through a Capital One Visa card for XXXX, was charged XXXX and XXXX. ( for some reason, these charges show up on different days - XX/XX/XXXX and XXXX ) I called to dispute the XXXX as never being authorized, credit card issued refund then 2 months later charged it back again claiming they'd sent forms ( they did not send forms ) and that XXXX says the charges are legit so end of story. XXXX has shut down the software i purchased on top of this, so now i've been charged XXXX and XXXX, the XXXX was never authorized and i have no product for any of these payments. I have an XXXX credit score, i make {$200000.00} a year, i pay off this credit card balance every month in the range of $ 2000- {$5000.00} a month, i'm hardly likely to try to steal software from XXXX in the first place, and in the second they've both kept money they never should have taken on top of the {$69.00} that was authorized AND shut off the product.
Company Response: Closed with monetary relief

Timely Response