CAPITAL ONE FINANCIAL CORPORATION

2015-12-13

Syracuse, UT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-13

Grand View, ID

Billing statement

Credit card:

Complaint: My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-13

Lilburn, GA

Other

Credit card:

Complaint: Capitol One Credit Card Company refuses to honor my letter of credit to discharge the debt! Thus violating Public Law. The last supervisor that I spoke to in regards this matter was XXXX XXXX ID : XXXX in the Executive Resolution Department XXXX Pin : XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-12

Lewisville, TX

Payoff process

Credit card:

Complaint: At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-12

Wascott, WI

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Springfield, MO

Delinquent account

Credit card:

Complaint: Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Alexandria, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

OH

Billing disputes

Credit card:

Complaint: capital one credit cards never sends me a billing statement so I can pay it they close the accounts for or some one used the cards I am paying on it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Succasunna, NJ

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-11

Ernul, NC

Overlimit fee

Credit card:

Complaint: My Capital One credit card was written off XX/XX/XXXX. The debt was sold to a bill collector. The bill collector ( XXXX ) says they are Collecting for Capital One. I just verified this statement with one of XXXX agents over the phone on XX/XX/XXXX. I have been paying on this account to XXXX for over 4 years. On my credit reports the capital one bill decreases with payments made to XXXX. Also, the account with Capital One EXCEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see my signature agreeing to OVER the LIMIT fees. Is n't it criminal to set a credit limit for me then charge me more, because your over the limit fees, place me over the limit more??. Even though Capital One wrote this off in XX/XX/XXXX, they have still been collecting money on this account as late as XX/XX/XXXX. If you look at the decreasing balance on my credit reports for capital one this is evident.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Arco, CA

Payoff process

Credit card:

Complaint: I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Odell, OR

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

OH

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I was not notified in writing of the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capitol One requested a copy of my credit report and has approved a credit card in our name my husband and I.I did not apply for it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Waterford, PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Eagle, ID

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-10

Hagerstown, MD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-10

Houston, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-10

Boynton Beach, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Southaven, MS

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Bartlett, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-10

Arsenal, PA

Customer service / Customer relations

Credit card:

Complaint: I called Capital One last month to pay off my account in full. The customer service rep gave me a figure, I paid it and intended to close the account. This month I got a new bill, with the interest amount accrued during the billing cycle before I paid off the card. I have since paid this ( very small ) interest amount and closed my account. I believe the customer service rep should have provided the total of that additional amount due when I called last month, especially since I informed him I intended to close the account. In my experience, Capital One takes every advantage to squeeze fee income from its customers. It would n't surprise me to learn that not disclosing the accrued interest is a company policy, based on some behavioral economic or algorithmic calculation, to take advantage of customers who think their account is closed so that Capital One can impose a late fee over some piddly interest amount - in my case it was {$2.00}. Capital One will never again be in my wallet. PS : When I called the Capital One customer service rep this month to learn why I was being charged this additional amount, I also asked what federal regulator I should contact to complain about the company 's service. After putting me on hold for several minutes, she came back on the line and said she could n't find out what federal regulator I should contact but did suggest I file a Better Business Bureau complaint. Capital One customer service reps do not know the company they work for is regulated by the Consumer Financial Protection Bureau and can not tell a customer that - really?
Company Response: Closed with monetary relief

Disputed: No Timely Response