CAPITAL ONE FINANCIAL CORPORATION

2015-12-24

Fred, VA

Other

Credit card:

Complaint: For the last 3 weeks for 3 times each day, Saturday and Sunday as well, Capital one bank has called me and left a voice message about my account. I have told them to stop and they are refusing to.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-24

Eton, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Debt was paid on XX/XX/2015. Company posted debt as paid in their internal system. They refuse to remove the account or the past due debt from any of my credit reports.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-24

Stevenson, MD

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-24

Northside, NC

Deposits and withdrawals

Bank account or service: Savings account

Complaint: -On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. -On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. -On XX/XX/XXXX I closed my Capital One 360 XXXX account. -On XX/XX/XXXX the funds were withdrawn WITHOUT MY CONSENT from my XXXX XXXX account back to Capital One. -On XX/XX/XXXX a Capital One representative confirmed by phone that Capital One reversed the ACH push transfer ordered on XX/XX/XXXX. They executed the reversal without my consent or previous request. The Capital One representative said they do not know where the funds are so they will have to order an investigation that they say will take several business days. -At this point the funds are nowhere to be seen. -Capital One reversed a perfectly valid transaction already confirmed by the destination bank ( XXXX ) without giving a reasonable explanation of why.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Maitland, FL

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-23

Fritztown, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-23

Henrico, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Bel Alton, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Succasunna, NJ

Credit line increase/decrease

Credit card:

Complaint: I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Dayton, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Mountain View, OK

Unsolicited issuance of credit card

Credit card:

Complaint: Received an unsolicited platinum mastercard from capital one in the mail
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Five Points, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Glenmont, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-22

Manhattan, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Lehigh, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Hollywood, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-22

Ft Myers, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Lancaster, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Glendale, CO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

WA

Transaction issue

Credit card:

Complaint: I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-22

Lb, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Hi, I opened a checking & savings account at " Spark Business Bank Account online '' ( a new service from Capital One Bank, it 's a business account that can be opened online, but the downside is you can not deposit cash or withdraw cash from this account, you can only withdraw cash from ATM XXXX for my newly formed corporation " XXXX XXXX XXXX XXXX XXXX '' and I began using the account and everything was good. One day I log in to my account, I wanted to transfer funds from my checking account to the savings account, because even though at the time I opened the account I opened a checking and saving, they only allowed XXXX XXXX checks to the checking account, so after it posts I transfer it to the savings account to accrue interest. So back to three weeks ago I logged into to transfer money from my checking to saving, and it came up a error message that I need to call in. At first the representative asked me XXXX questions to make sure I 'm not using someone else 's identity, and even though they knew I was n't and I was fully verified, they figured that now that my account has approx. {$20000.00} it 's the perfect time to put a hold in order to make me miserable, and going through such aggravations that I was very close to a XXXX XXXX. The rep tells me " We decided to close your account since the {$10000.00} check you deposited was not good '' First I asked for an explanation what not good means, and I was not given XXXX, all she said is " I also does n't know but this is what I see in the notes, and there 's nothing more I can do for you!! ". So I 'm basically now in a position where Capital One Bank has close to {$20000.00} of my money, and I 'm not being given a reason why, and they tell me they do n't have an answer for me what 's to be done next. The next day I call again, and I guess a representative with a little more feeling for another Human Being felt the pain I 'm going through, and she told me the reason is ( from what she can see in the notes ) is that Capital One has a feeling the XXXX check was either stolen or will be returned. I instantly called the company that issued me the check and explained everything I 'm going through, and unlike Capital One Bank that seek to make your life miserable, provided me with a copy of the check that it was cleared, along with a copy from his bank statements showing that the check was out. And I myself saw in back on the check that Capital One accepted the check and they have the funds. I instantly emailed it to Capital One, but as expected no response. So I called again for the next week every day several time, every time I was told I 'm being transferred to the fraud department, and after waiting 20 minutes I was told " OH SORRY THEY TRANSFERRED YOU TO THE WRONG FRAUD DEPARTMENT '' and I was further transferred to a voice mail, I left XXXX of messages begging for a call back and offered everything in the world. I asked specifically XXXX times if I can go into a Branch, and not even XXXX phone call ws returned!!!! Bottom line, I opened an account, once I had close to {$20000.00} Capital One decided " now is a good time to hold the funds, so we might pass the stress test '' and I was accused of not being XXXX XXXX, I was accused of depositing a stolen check, I was not given the opportunity to prove myself, and not even to prove myself in persona. I therefore ask CFPB to help me with this, so I should n't have to spend way ore on a lawyer to take Criminal Action against them, because if I do n't do it, then there 'll be thousands of people with money stuck in these accounts. Thanks XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-22

Warren, RI

Billing disputes

Credit card:

Complaint: I made 3 payments to my credit card XX/XX/XXXX and the last one was after my due date to be applied for the next month it was never applied and I was charged a late fee when I spoke with a supervisor for Capital One by the name of XXXX she explained to me that it was not within my billing cycle and it will NOT be accepted for the next month.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Las Vegas, NV

Closing/Cancelling account

Credit card:

Complaint: My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-21

Norfolk, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response