CAPITAL ONE FINANCIAL CORPORATION

2016-05-26

Spokane, WA

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: I recently found out that I have a Capitol One card on my credit report. I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Bon Air, VA

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Eagle, ID

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Rockford, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Clermont, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Las Cruces, NM

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Rockwall, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Lawrenceville, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Mc Allen, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Philadelphia, PA

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Hillsdale, NJ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-25

Clarkesville, GA

Customer service / Customer relations

Credit card:

Complaint: I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

South Florida, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Henrico, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Scottsdale, AZ

Billing disputes

Credit card:

Complaint: I setup autopays with Capital One. My monthly minimum payment was usually at XXXX per month. I checked my account today and they had a payment in the amount of XXXX pending to be withdrawn from my account. I called them immediately and asked why such a large payment? After sitting on hold for 5 minutes they came back and stated that I requested a payment on top of my autopay. Well of course I did n't do that and if I was stupid enough to do that then would n't there be multiple transactions? I informed them that the funds would not be available, that they would have to stop that transaction. I was of course informed that they could not and that if I stopped the payment through my bank I would be charged a late fee but if I could pay XXXX right now then there would n't be. They said that was my minimum payment so again why XXXX? I informed them that I would not pay them XXXX right now and that I am going to stop the payment, in which I did my bank informed the payment is n't even pending yet but charged me XXXX to make sure the XXXX does n't get processed. Capital One automatically restricted my card use. I have no problem paying my minimum payment but I feel that the XXXX was being withdrawn unlawfully and then they tried to strong arm me by giving me a late fee, raising my interest and restricting my card. I will not pay this card until all charges are refunded and a honest reason of why they tried to charge me XXXX is given
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Glendale, CO

Billing disputes

Credit card:

Complaint: Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Arlington, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Lacey, WA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Brooklyn, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Tampa Palms, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Allingtown, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Cleveland, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-24

Boulder, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response