CAPITAL ONE FINANCIAL CORPORATION

2019-08-26

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

2019-08-25

Ridley Park, PA

Incorrect information on your report

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

Account information incorrect
Complaint: Dispute report # XXXX for XX/XX/19 Capital One Credit Card page 3 of 10 ND showing for the month of XXXX and payment was made on time. XXXX shows ( ND ) No Data as payment made.
Company Response: Closed with explanation

Timely Response

2019-08-25

Ridley Park, PA

Incorrect information on your report

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

Account information incorrect
Complaint: Capital One Credit Card Report # XXXX for XX/XX/19 both cards ending on XXXX report account last XXXX XXXX & XXXX page 3 of 10 show ( ND ) in which the payment was made on XXXX XXXX has error after error in reporting the correct information. Also XXXX wants to blame the reporting company it goes on and on with XXXX reporting info correctly.
Company Response: Closed with explanation

Timely Response

2019-08-25

NY

Incorrect information on your report

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

Public record information inaccurate
Complaint: I have a hard inquiry by Capital One that is negatively impacting my credit score. I contacted them immediately by phone and they were unable to see it in their system at all bit said it would be investigated. The inquiry remains in my report.
Company Response: Closed with explanation

Timely Response

2019-08-25

Fort Lauderdale, FL

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-08-25

TN

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: XXXX XXXX XXXX ( XXXX ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default Capital one card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was XXXX again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. XXXX called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from XXXX. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated XXXX was considering sending this account to an attorney in our state for possible litigation. To please pay them.
Company Response: Closed with explanation

Timely Response

2019-08-25

MO

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Ive tried to refinance my loan with capitol one because of my interest being so high. It was impossible for me to keep up I was drowning. I moved back home to try to save money and get back on my feet. I had health issues and been drowning in medical bills. I couldnt make my full payments so my car was repoed. Devastating to me. Been struggling for 2 years now trying to get out of this debt. The dealership sold me a lemon car and I couldnt afford a lawyer. Not only was it a lemon I didnt realize how interest worked. I didnt realize my percent was so high. I thought I got a great deal at the time but came to find out I was cheated. Please help. Im trying to get back on track and move into my own place but cant with my credit. Currently paying off medical bills
Company Response: Closed with explanation

Timely Response

2019-08-25

Los Angeles, CA

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

2019-08-25

NY

Fees or interest

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

Unexpected increase in interest rate
Complaint: I have 2 Capitol One credit cards for 5 years. The due date on my Venture One Card was changed from XX/XX/XXXX to XX/XX/XXXX without my consent increasing my minimum payment from XXXX to XXXX. I called and spoke with XXXX the supervisor and requested it be changed back and told him I couldn't afford the increase because my husband is undergoing XXXX and I have critical XXXX and have been in and out of the hospital. I have never been late on a payment and with my family 's current health crisis can not afford a random increase without justification.
Company Response: Closed with monetary relief

Timely Response

2019-08-25

Rochdale, NY

Trouble using your card

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

Can't use card to make purchases
Complaint: I have XXXX credit line on my Capital One Savor card. I made a payment that was process on XX/XX/XXXX. It is now XX/XX/XXXX and i still do not have the available credit reflecting $ 500+ that was that was recently paid via deduction out of my bank account 4 days prior. I called the company and rep XXXX said we need to confirm with the bank the are close. I pleaded that all my accounts are in good standings. O balances never had a late payment or a rejected payment. Ive been a cutomer for over 6 years so why is there a hold on my account. All i get is " because its a new card '' my 5th capitla one cpital one card btw. I said you guys process the payment on your end as well. Why is my available credit on hold? Asked to speak with a manager -- XXXX XXXX Have no idea what customer service is all about. I want to cancel all of my credit cards with them over this. If i csnt get my available credit today im cancelling all services with Capital One
Company Response: Closed with explanation

Timely Response

2019-08-25

Rochdale, NY

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

2019-08-24

Moapa, NV

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: I was contacted by Capital One stating they were " restricting '' my account due to " suspicious activity ''. I was told to call a number and when I did it was just a voicemail which stated to leave a message and they would call back. I've left several messages with no return calls or emails. My paycheck was deposited this week and the bank said they would close my account and send a check within the next two weeks unless I paid {$20.00} to expedite the check ( which I told them to take from the funds of mine that they have ). I'm going on day 3 when I should have received my " expedited '' check and my accounts haven't even been closed. They have been no help whatsoever. I've been hung up on, brushed off and talked down to. They are holding my funds and I'm not even sure why! They team that is doing this won't get on the phone with me.
Company Response: Closed with explanation

Timely Response

2019-08-24

Odell, OR

Fees or interest

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

Unexpected increase in interest rate
Complaint: They did not tell me about a rate increase from ( approximately ) 19 % to over 25 %
Company Response: Closed with explanation

Timely Response

2019-08-24

Glendale, CO

Other features, terms, or problems

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

Privacy issues
Complaint: on or about XX/XX/2019 Capital one failure to take reasonable steps to secure its network led to a data breach, Capital One was reckless and completely disregarded the rights of Mr.XXXX by failing to implement and maintain adequate data security measures and therefore exposed information to criminals for misuse.
Company Response: Closed with explanation

Timely Response

2019-08-24

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: XX/XX/XXXX/XX/XX/XXXX capital one sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX XX/XX/XXXX. And now capital one just sold the debt to XXXX XXXX again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?
Company Response: Closed with explanation

Timely Response

2019-08-24

Brewster, CO

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

2019-08-24

GA

Fraud or scam

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

Complaint: Good Day, I am filing my complaint because it's the only way I know to address all Involved. I plan to highlight copy and paste 5 times over and hope that all parties get together and find out what is going on. I opened a credit card account with XXXX XXXX XXXX in or around XX/XX/2019. The only Time I have ever had solely my own Credit Card. The intent was to better my Credit Score because I wanted to Move. On XX/XX/2019 I opened a account with Capital One. Every scenes I have had the Card I have had more problem 's befall me. It was Capital One that alerted me that my personal information Maybe on the Dark Web. I specifically ask and want to know Is XXXX XXXX, who opened a account with you on XX/XX/2019 am I a direct victim of the security Breach? I want something in writing that tell 's me that Please. Twice already I have had alert 's from Capital One that XXXX took 35 point 's off My Credit Score XX/XX/XXXX and XX/XX/XXXX. And again Yesterday the XX/XX/XXXX. 170 point 's. I have been getting telemarketing call 's another one about an hour ago. I will be filing another complaint with the Do not call registry. I received email 's one asking why am I sending these photo 's suggesting it some form of XXXX. I have in my spam email two email 's stating my order 's need to be confirmed. I have no idea who it is or what it is. I didn't even open them. I have on facebook a man messaging me telling me XXXX, Has my Information. I was given a alert from Capital One that mentions XXXX and my XXXX account and my password. I emailed XXXX which I have not been on in year 's and asked them to delete any information on me. I then get a email hour 's later from Gethuman.com they emailed me and asked did myspace take care of the problem? I emailed them and said who are you and how did you know I sent myspace an email or what the content was about? They never answered. Capital One also gave me a alert Who Is XXXX? They to with my XXXX and password. I change my passwords every three day 's. If any of the credit agencies have other names or addresses for Me. They'er bogus. I have lived in XXXX County XXXX GA for year 's. Dose XXXX Have a Office in XXXX? Property companies usually ask for the proof to show you can pay three time 's the monthly rent. That is why I wanted my score better. I am jumping through every hoop I can And you keep destroying my chance 's. In closing I am directing these comments to Capital One.I am due for a review in a few month 's and my credit as of yesterday XXXX XXXX was good XXXX. It was my intent to request a Higher credit limit I know you base your decisions a lot on the Score But because I am being attacked I have no Idea where my score will be tomorrow. You are the only lending company to have faith in me and give me a credit line without asking me for a deposit. I have made and always will make my monthly Payment 's And I do not mean the Minimum. For XXXX, XXXX, and XXXX, I want to know in Short why 170 point 's was taken away from me on the XX/XX/XXXX? XXXX I want to know if you have a Office in XXXX. If you do not I can show you a email I have. CFPB Please direct this one to Capital One.
Company Response: Closed with explanation

Timely Response

2019-08-24

Plymouth, FL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-08-24

Norwalk, CA

Getting a credit card

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

Problem getting a working replacement card
Complaint: I have updated my address to where I wanted my capital one card mailed to and yet it is still.bekng mailed to the old address and that is why I am.stil having trouble with identity theft ....
Company Response: Closed with explanation

Timely Response

2019-08-24

CA

Fees or interest

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

Unexpected increase in interest rate
Complaint: In XXXX I received a letter from Capital One however I did not understand this letter. I could not find a definition of some of the terms found in this letter. I called the company and was told, there were changes being made to the laws regarding credit cards and Capital One was changing the terms of the contract to be in line with those new laws. I asked at that time about the interest rate. I previously had a fixed rate of 9.2 %. I was told at that time my interest rate would be fixed moving forward. I was assured it was part of the new law and was assured that it would be fixed. For sometime after this I periodically checked the interest that I was being charged and it did not change. When I opted for paperless billing I was no longer able to see the interest rate however believing it was fixed I really had no reason to look. Over the years I based my spending habits on that interest rate calculating the payment I would need to keep my balances at reasonable levels. Fast forward several years. XX/XX/XXXX XXXX I was reviewing my balances trying to figure out why they were still higher that I had calculated. After clicking around a bit I found the problem. The interest rate was charging higher than expected. I called Capital One to have them recalculate my interest as I believed my rate was fixed at a lower rate than what they were charging. After speaking with them I was informed my contract indeed specified a fixed rate of 9.2 % and I was currently being charged higher than that rate. I was placed on hold and transferred to a new person. This person told me that my rate changed in XXXX. I asked for documentation. I was also told there were no notices found about a change in interest rates. I told them about the letter I received in XXXX and the phone call with them at that time that assured me my rate would be fixed. They said they could not do anything about the past but they could lower my interest rate back to the agreed upon rate temporarily. I made the comment about Capital One commercials back in the day and I felt this had been false advertisement. At this point I had to return to work as it was XXXX so I decided to get off the phone and call back later. I called back XXXX and asked for a copy of the letter that they say changed me to a variable rate. I was asked where I wanted the letter sent. I provided my email. I was placed on hold, placed on hold again, placed on hold again, then told they couldn't find it. I asked them since they couldn't find it they could switch my rate back to fixed and recalculate my balances according to the agreed upon contract in their file. They refused. I was placed on hold and then spoke to the supervisor and asked again for the letter. I was placed on hold, I then spoke to the Supervisor again and stated, If the letter notification could not be produced then my accounts should be audited at the fixed interest rate and adjusted accordingly. I was placed on hold again but then when he came back abruptly told I would receive the letter in the mail in 7 to 10 days and was offered no further explanation. I attempted to gain information about the letter as to what I believed it had said but no explanation was provided there was just a long pause. When the supervisor came back after the pause he ended the conversation. So many questions. Why I was told in XXXX the rate would be fixed? Why did it stay at the fixed rate for so long after XXXX? Why did it take an hour to find the letter, was the letter actually found? If it was found why it can't be sent by email? Will I really receive the letter that was sent in XXXX or if it will be a fake? Was what happened in XXXX was legal to begin with?
Company Response: Closed with explanation

Timely Response

2019-08-24

Magnolia, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: capital one vilated te fCRA by adding a removed item back to XXXX and XXXX B/c my Data breach Was caused by the FTC violation that XXXX destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. XXXX and Capital one should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for
Company Response: Closed with explanation

Timely Response

2019-08-24

Russell, IA

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: My father, XXXX XXXX XXXX, opened up a credit card in my name using my social security number when I was just XXXX years old. I have not personally used this card and I do not have access to it. It is affecting my credit score. I need the card to be paid off my by father, as he is using it for his personal purchases, and I need the card closed and I need it nullified from my credit. The card is from capitol one and has a balance of {$1500.00} as of now. This card was unlawfully produced by my father from my social security number. I need it paid off my him and canceled.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-24

Providence, RI

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: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Company Response: Closed with explanation

Timely Response

2019-08-24

Tampa, FL

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-08-24

Louisville, KY

Other features, terms, or problems

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

Problem with customer service
Complaint: I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.
Company Response: Closed with explanation

Timely Response