CAPITAL ONE FINANCIAL CORPORATION

2015-12-06

Grand View, ID

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-06

NH

Other

Credit card:

Complaint: I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-06

Oxford, GA

Other

Credit card:

Complaint: after getting on XXXX I seen that my score had drop due to hard inquiries. when i had n't given permission for my credit to be ran.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-05

Andover, MN

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-05

Deltona, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-05

Accokeek, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 Capital One XXXX branch representative opened a business spark checking acct for me. I showed him a promotional offer {$250.00} at acct opening in branch. The offer says open a acct with XXXX and make a XXXX bill pay within 30 days, then {$250.00} cash bonus will be credit back within 6-8 weeks after promotion ends. I made deposit of {$5800.00} at acct opening, and made XXXX bill pay {$830.00} on XXXX XXXX, 2015. However I never received {$250.00} bonus, also the bill pay was stopped which caused me extra fee {$70.00} from the payee. I never asked the bank to put stop payment. On XXXX XXXX 2015 when bank rep called me several times I asked them to release the payment. I am asking 1. {$250.00} promotional bonus back plus {$70.00} fee caused by the bank. Or 2. bank can issue a letter to payee to waive this {$70.00} extra fees. But {$250.00} promotional bonus must be credit back.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-05

Lansdowne, VA

Billing disputes

Credit card:

Complaint: I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-05

Fort Lauderdale, FL

Billing statement

Credit card:

Complaint: I over paid Capital One in the account by {$700.00} and they will not send me a check for that amount. I asked for the check and closed my account. The account number is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

UT

Balance transfer

Credit card:

Complaint: Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Minneapolis, MN

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-04

Brookside, NJ

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Ashburn, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Englishtown, NJ

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Stafford, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-04

N Las Vegas, NV

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Succasunna, NJ

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Anastasia Is, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

PA

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Complaint: I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. Please help me with who and where I need to go.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Val Verde, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am being charged a late fee for my XXXX XXXX 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the XXXX of each month for the past year and was not charged a late fee. I paid my XXXX XXXX 15 car payment on the XXXX along with the late fee that I was charged. I understand why I was charged a late fee on the XXXX XXXX 15 payment because I paid my auto loan on the XXXX instead of the XXXX like I normally do.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-04

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have a home equity line of credit with Capital One bank. The date the draw period ended was XXXX XXXX 2015. If I wanted to make any changes I had to do so before that date. I called on XXXX XXXX, requesting a fixed rate option. I was transferred to XXXX different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on XXXX XXXX requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifically asked the agent that even though the proposal would arrive AFTER my deadline of XXXX XXXX, would I still be eligible since I made the request before the deadline. She said Yes. I received a letter dated XXXX XXXX saying I do not qualify for a fixed option because my draw period has already ended. I called Capital One to tell them I did in fact request a fixed rate option before the deadline. The agent told me that there was some kind of time frame that I had to request before the deadline. This is not the case..I have a letter stating I can make a change up until XXXX on XXXX XXXX. I asked her where in the " Terms and Conditions '' this is listed. She transferred me to someone else who says again I am not eligible. The calls are recorded. I asked that the call be pulled and listened to because I was told I was eligible. Now they are denying that is the case.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Flint, MI

APR or interest rate

Credit card:

Complaint: On XX/XX/XXXX I received a letter from Capital One regarding my concerns with my APR on my credit card account. I do not agree with the APR because it is still very expensive. I have a minimum payment that is less than the APR % which does n't do any good when I pay my bill. I have asked for a lower APR rate so that I can pay my card off in XXXX 2016. Capital One has continued to deny the decrease in the APR and my fees are the card are large which makes it hard to pay down the card. I have called Capital One several times and got the run around from different representatives. I was supposed to speak with XXXX XXXX the representative handling my case. She has called back one time and left a message. Again I have called several times and no one has addressed my concerns.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-03

Jamaica, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-03

Rehoboth Bch, DE

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Havertown, PA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Philadelphia, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One Bank NA is reporting a XXXX balance on a card that is not mine, the charge is still being reported on my credit report despite the company stating that the account has been removed. Please help me.
Company Response: Closed with explanation

Disputed: Yes Timely Response