CAPITAL ONE FINANCIAL CORPORATION

2015-12-09

Sioux Falls, SD

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Bossier City, LA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Columbus, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Capital One 360 has locked my account for no reason and I ca n't access my funds. I 've called them to close my account and send me my funds. They have yet to do so. Whoever 's reading this, DO NOT do business with this company. They have the worst customer service I 've ever experienced with an online bank!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Las Vegas, NV

APR or interest rate

Credit card:

Complaint: I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

New York, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

MI

Payoff process

Credit card:

Complaint: Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-09

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Debt has been paid in settlement. Will not remove from my credit report after 9 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Owego, NY

Advertising and marketing

Credit card:

Complaint: Received a letter from CAPITAL ONE XXXX XXXX. XXXX XXXX VA XXXX ). With letter saying PRE APPROVED offer for credit card. This is printed on the envelop and the letter. Upon applying online and completing the questionnaire, immediately I get an alert by XXXX that my credit report dropped XXXX points, because of a hard credit check by CAPITAL ONE.There was no clear indication they were going to do a hard check on my credit which significantly has affected negatively my credit .This is a very deceptive practice scheme by this company.It is very unfair to consummers and really hurts ones life.I can bet I am not the only XXXX affected by this unethical practice and most people do not know since likely they do not have a credit monitoring service ( like XXXX ) .Can you please investigate this deceptive and hurtful practice by Capital One.In my opinion this deception should be stopped immediately and CAPITAL ONE should be fined by the U S Government for consumer abuse.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Charlotte, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A merchant charged my credit card without my knowledge or permission. Because I knew the merchant and had authorized an initial payment the credit card company let him charge an additional XXXX without calling or verifying the information with me. I did not authorize this charge and they wont take it off, even though I reported the fraud as soon as I saw the charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Moran, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Capital One Bank improperly reversed {$6400.00} in provisional credits by administrative fiat without any investigations and closed my checking account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Santa Ana, CA

Transaction issue

Credit card:

Complaint: I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Palos Park, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Nyc, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Charlotte, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Aspen Hill, MD

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Blue Bell, PA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Jim Thorpe, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Lady Lake, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Fort Campbell, KY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

N Bethesda, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Fisher Island, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response