CAPITAL ONE FINANCIAL CORPORATION

2019-09-09

VA

Fees or interest

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

Problem with fees
Complaint: Capital One charges a hidden fee for the use of their ATM 's if using a credit card. I was charged {$10.00} on a {$100.00} cash withdraw on XX/XX/19. I was not aware of the fee until after I was charged and it appeared on my statement.
Company Response: Closed with monetary relief

Timely Response

2019-09-09

Arco, CA

Improper use of your report

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

Reporting company used your report improperly
Complaint: Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain. 18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX
Company Response: Closed with explanation

Timely Response

2019-09-09

Houston, TX

Incorrect information on your report

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

Account information incorrect
Complaint: I paid my capital one credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my Capital One account on time.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-09

Galena, OH

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: Capital One utilizes deceptive practices when provided users with their credit card statement via email. On two occasions my payment has been late due to the fact that the email highlights the " Statement Close Date '' and buries the " Statement Due Date ''. All other credit card email statements I receives highlights the Statement Due Date and payment date. The manner in which Capital One disseminates the information on the email highlight statement it is easy for a user to miss the payment date and incur late fees. After presenting the emails I have received from Capital One to numerous individuals, they all thought the Payment Due Date was the highlighted Statement End Date and missed the Payment Due Date buried in the first paragraph. I feel this is done purposefully by Capital One in order to increase their late fee revenue rather than provide the consumer with an easy to understand email highlight statement of when and how much is due.
Company Response: Closed with monetary relief

Timely Response

2019-09-09

Alexandria, VA

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2019-09-09

Gary, IN

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

2019-09-09

Van Nuys, CA

Trouble using your card

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

Can't use card to make purchases
Complaint: After Capital One Data Breach that took place on XX/XX/2019, Capital One Bank sent me a letter requesting documents to establish my identity ( driver license, Social Security Card, Utility Bill and Bank Statement ). Since I have to accounts with Capital One I have submitted the same documents for both of my accounts. Capital One Bank validated my documents for my Neiman Marcus credit card and reinstated it, and accused me of discrepancy for the Capital One Venture credit card. I have called and asked for explanation as the same Bank can't make two different decisions, it is validated or not validated. I have also wrote to Capital One Executive Offices requesting their involvement in this matter but up until today I have not heard back from them. My documents are issued by the State and Federal authorities and their inability to validate them means I have forged the documents. And if so it means I have committed fraud by fraudulently establishing the account with fake documents. They contradict their actions by restricting my one account and reinstating the other. When I call to discuss the matter and request some kind of letter to state the reason for restriction they hang up the phone on me.
Company Response: Closed with explanation

Timely Response

2019-09-09

Los Angeles, 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

2019-09-09

AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This organization has purchased the debt at issue from Capital One. I have never done any business with Capital One or XXXX XXXX XXXX ( hereinafter XXXX ). I have informed XXXX via reply to one of their notifications regarding this debt. I have informed both Capital One and XXXX that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement. XXXX claims I opened an account online with Capital One. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and XXXX will not receive one penny towards this false debt.
Company Response: Closed with explanation

Timely Response

2019-09-09

Lb, CA

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
Complaint: I filed a complaint in regards to being a victim of identity theft. Capital One has disregarded my request on 5 occasions. On my last complaint, I advised that I was a victim of identity theft and that checking account and credit card were opened under my name. Capital One has replied stating the information showing in " public record '' matches what shows on the Capital One account. The address XXXX XXXX XXXX XXXX XXXX, CA which is a business that closed down. I attached proof. The two number that was given number shows under my name and reads under an XXXX XXXX. Capital One did no research to prove that no identity theft happened. I am not responsible for this account and it needs tto be removed off my record with Capital One immediately. Capital One has referred to Collection agency ( they already investigated and as Capital One it was identity theft. I have already submitted a copy of the police report and FTC report.
Company Response: Closed with explanation

Timely Response

2019-09-09

Spring Hill, FL

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: Before applying instore for the kohl 's card, I asked the associate several times if this was a soft or hard inquiry. She ASSURED ME kohl 's only did soft inquirys and that itwould not show up on my credit as a derogatory remark even if I was denied. Now I check my credit which I am working to fix and find that the associate wrongfully informed me and pressured me into this application which is negatively impacting my credit.
Company Response: Closed with explanation

Timely Response

2019-09-09

N Haven, CT

Fees or interest

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

Problem with fees
Complaint: Over the last few years I have contacted Capital One regarding 2 credit card I have with them that carry an annual fee. When I initially opened the cards I was working on improving my credit score and had no other options. It has been quite some time since then and I have continually asked my accounts be reviewed and the annual fee removed since they offer these cards with no fees. Each year I have to fight with them to remove the fee, yet they conveniently forget to remove the annual fee, so each year I am charged for it. This is honestly ridiculous. I have kept the accounts open since they have my longest credit history and closing them would ruin my average age. I would appreciate a serious inquiry into this as I should not have to keep calling every year to have the fees removed.
Company Response: Closed with explanation

Timely Response

2019-09-09

Columbus, OH

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-09-08

Five Points, NC

Fees or interest

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

Charged too much interest
Complaint: I closed my Capitol One credit card account early XXXX and paid it off on XX/XX/30. I paid the entire balance of {$1700.00}. Now they are charging me interest of {$29.00} on a XXXX balance.
Company Response: Closed with monetary relief

Timely Response

2019-09-08

Rochdale, NY

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: someone stole my information and opened this account im a victim of identity theft I tried to get this remove and was unable to
Company Response: Closed with explanation

Timely Response

2019-09-08

Columbus, OH

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling XXXX XXXX and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
Company Response: Closed with explanation

Timely Response

2019-09-08

SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-09-08

Dallas, OR

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-09-08

Lowell, AR

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
Complaint: My XXXX credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, Capital One Auto, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with XXXX, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe Capital One Auto any money, nor have I made any payments to them since XXXX. XXXX is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-08

Saint Clair, MO

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: I purchased 10 yards raised bed mix for {$470.00} on XX/XX/2019 from XXXX XXXX XXXX. The company delivered the mix on XX/XX/XXXX. This is not in dispute. XXXX XXXX XXXX sent a representative, Mr. XXXX XXXX, to my home on XX/XX/XXXX to discuss a problem with the product. During the visit he stated the company would issue a credit of {$470.00} and would come and pick up the inferior product the first of next week at no charge to me. They did come and pick up the product. However, no credit was issued. When the credit was not forthcoming as promised, I again contacted Mr . XXXX about the credit. He said, I can make that happen. Mr . XXXX 's cell phone number is ( XXXX ) XXXX. When I did not receive the credit promised by the company representative I filed a dispute with Capital One stating a credit should be given because they picked up the product ; but, no credit was given. As far as me not providing the the purchase agreement, Capital One has it because they sent me a copy furnished by XXXX XXXX XXXX. There is not dispute about the invoice. I did not have a refund voucher to send them so they closed the case without talking to the company representative who promised the credit.
Company Response: Closed with monetary relief

Timely Response

2019-09-08

Rochdale, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me
Company Response: Closed with explanation

Timely Response

2019-09-08

NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to capital 1 they were to close all accounts in my namesake to fraud. I recently received XXXX XXXX info that capital 1 did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a capital one deduction for {$2900.00} dollars and others I want capital one bank to produce all documents in all accounts in all my names with their company and XXXX/ and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. Capital one was supposed to have closed all my accounts. Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Company Response: Closed with explanation

Timely Response

2019-09-08

Miami, 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
Company Response: Closed with explanation

Timely Response

2019-09-08

Flushing, 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

2019-09-08

Mdn, MS

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: XX/XX/2019 XXXX XXXX ( XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FIFTH Notice of unauthorized use of credit Card Account Number ACCOUNT ENDING IN XXXX Dear Sir or Madam : I am the victim of identity theft. My CREDIT card was used for an unauthorized transactions on numerous dates. I have enclosed copies of my statements indicating the charges, illegal charges. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. I previously notified you via telephone when these charges were initially discovered on XX/XX/2019 in reference to the merchants listed on the attached documents, I spent 6 hours on the phone with your customer service, fraud dept, and numerous other divisions that refused to help and never received any help having the charges reversed I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : See Attached ( The total amount of the fraudulent charges totals {$2100.00} with fees, interest and not including {$7000.00} in billable time for professional services and legal fees plus numerous late fees and irreparable slander to my credit. Please remit the sum of {$10000.00} TO SETTLE THIS MATTER AND RESTORE MY CREDIT BY LEGALLY REPORTING TO THE APPROPRIATE AGENCIES. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report The FTC Notice to Furnishers of Information Please restore any funds which have been withdrawn from my account.. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored.. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response: Closed with monetary relief

Timely Response