CAPITAL ONE FINANCIAL CORPORATION

2019-09-07

Brooklyn, NY

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

2019-09-07

Boistfort, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-07

Olathe, KS

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

2019-09-07

Scottsbluff, NE

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Brooklyn, NY

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-09-06

Walnut Shade, MO

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

2019-09-06

Marlboro, MD

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

2019-09-06

Allerton, NY

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-09-06

Clayton, MO

Problem when making payments

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

Problem during payment process
Complaint: I have a Capital One platinum master card. It is shown on my credit report that I had a missed/late payment on XXXX of 2018. It is the only one in over 1 year and a half. I am 100 % sure that the payment was made and that Capital One did not process it quick enough. It is impacting my credit score now heavily.
Company Response: Closed with explanation

Timely Response

2019-09-06

Raymond, NH

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 non-monetary relief

Timely Response

2019-09-06

Cherry Brook, MA

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-09-06

NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: Hello there, I was sent an email by Capital One to bring XXXX to my saving account and maintain the money till XX/XX/XXXX to earn a bonus of {$450.00}. I deposited XXXX into my account and maintained the money for the specified period but Bonus was not deposited into my account as of XX/XX/XXXX. I contacted their customer service multiple times and they have no clue when my bonus payment will be made except for telling me to wait 60 days. I have attached copy of email sent by Capital One showing the promotion. Thanks, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-06

Harsens Is, MI

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

2019-09-06

Arco, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Closed with explanation

Timely Response

2019-09-06

Lewes, DE

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-06

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

2019-09-06

Randolph, MN

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

2019-09-06

Betsytown, NJ

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019 I received the letter stating that they can't do anything. I have received the copy of the checks from XXXX XXXX and currently have the tracer as Capital One cashed the checks back on XX/XX/2019. I would like to have a copy of the checks that was presented to Capital One from XXXX XXXX. Unfortunately those checks were never presented to XXXX XXXX they were presented to Capital One for payment. I do not have an account with XXXX and they can not provide me with a copy of who cashed or deposit those checks. I would like to received copy of those 3 checks as my primary bank and also Capital One Bank received the checks for payment. I do have the right to obtain a copy of those checks you supposedly received for payment. XXXX XXXX XXXX have already obtained copy of those checks and they were only cashed and presented on XX/XX/2019 not on XXXX or XX/XX/2019 as Capital One stated.
Company Response: Closed with explanation

Timely Response

2019-09-06

Lewisville, TX

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

2019-09-06

TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Capital one bank didnt call me or investigation correctly and they refused to call me thru XXXX and they feel that third party and being discriminated by hearing impaired without any explained and make up the story and not to bother and record by sign language interrupter thru fcc law requires for all company to used it but they refused to do so and very strong discrimination and deceived by staffs and I deposit the check was fraud by loans dept that capitalone bank told me to go head deposit and do it and capital one staffs made false statement with me no reason That banker is very rudeness and refused to calls or check with me first and I already filed police report against capital one bank staffs for giving me false statement by banker
Company Response: Closed with explanation

Timely Response

2019-09-06

Las Vegas, NV

Other features, terms, or problems

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

Other problem
Complaint: Capital One Bank Change my payment date from the XXXX XXXX of the month to the XXXX of the month I called them back in XXXX and was spoke to them and explain to them I wanted to keep my same date in which they told me they system updated and my new date is on the XXXX now. then we discussed putting it back to the XXXX and the customer service person got me a supervisor in which she stated it could be on the XXXX of the month. Have called back they claim I did not talk to no one. I called Capital One Bank 2 times was on the phone for over 35 minutes with this issue and called a second time same thing longer conversation. Also was told back in XXXX I would receive a letter as proof both times and have not received no such letter of the payment being on the XXXX XXXX of the month I also have my printed out phone bill showing the length of the said phone call. I also
Company Response: Closed with explanation

Timely Response

2019-09-06

CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: I have got variety call from 3 different numbers stating the same thing and same last four of a card XXXX ( XXXX XXXX ) they are going to take me to court XXXX saying they are your collation agency/ sold this account to them to bill me for a capital one card ending in XXXX for {$2000.00}. XXXX ( XXXX XXXX XXXX they are the department that is going to take me to court. they state I had a secured card with capital one. all three have been super rude they do not want to give me there information and hang up on me then block my calls XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-06

Bridgetown, OH

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 non-monetary relief

Timely Response

2019-09-06

Millcreek, UT

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-09-05

Coalinga, 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
Complaint: This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting agencies, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process. The software can also have limitations when it comes to completing a full and proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to ensure the complete accuracy of the account being furnished to the credit reporting agencies. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Company Response: Closed with explanation

Timely Response