CAPITAL ONE FINANCIAL CORPORATION

2015-12-28

LA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I had credit card HSBC account that was buy by Capital One Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had Capital One Credit. I open credit card with Capital One up on XXXX/XXXX/2014 and charge {$660.00}. Capital one sell the same account to XXXX I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with capital one in XXXX, I have not received any information yet
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-28

NE

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Wallington, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-28

Allenwood, NJ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

San Gabriel, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

N Haven, CT

Credit card protection / Debt protection

Credit card:

Complaint: Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-28

Rocky Ridge, MD

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Pigeon Forge, TN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-27

Manhattan, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-27

Irvine, CA

Late fee

Credit card:

Complaint: I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-27

Clarkesville, GA

Delinquent account

Credit card:

Complaint: Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-27

Duncanville, TX

Other

Credit card:

Complaint: Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-27

Las Vegas, NV

Customer service / Customer relations

Credit card:

Complaint: .i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-27

De Pere, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-26

IN

Other

Credit card:

Complaint: On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-26

Memphis, TN

Billing statement

Credit card:

Complaint: on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-26

New Britain, CT

Closing/Cancelling account

Credit card:

Complaint: In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. I never gave the XXXX my new credit card number.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

Chicago, IL

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

Brooklyn, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

Itasca, IL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

Flushing, NY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-24

Port Huron, MI

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-24

Pearland, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

Brentwood, CA

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-24

Winston Salem, NC

Customer service / Customer relations

Credit card:

Complaint: CAPITAL ONE MADE A HARD INQUIRE ON MY CREDIT REPORT AND I HAVE NEVER TRYED TO GET ANTHING FROM CAPITAL ONE
Company Response: Closed with explanation

Disputed: Yes Timely Response