CAPITAL ONE FINANCIAL CORPORATION

2015-12-01

Oshkosh, WI

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Jefferson, NH

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-01

Reno, NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-01

CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Blue Ash, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Philadelphia, PA

Billing disputes

Credit card:

Complaint: I purchased a camera at XXXX XXXX XXXX in XXXX via the internet. I was charged {$340.00} for this camera for a total {$350.00} including tax. A few days later an additional charge was made by the merchant for {$80.00}. Capital one never gave me ample time to challenge the merchants " documentation '' to show and prove that I have NEVER authorized an additional charge of {$80.00} for any reason.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Bronx, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in XX/XX/2015 which I do not monitor because I have not used the card to incur a balance since XX/XX/2015 due to prior issues with " their '' statement delivery. In XX/XX/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a XXXX point drop on my credit rating. Although the membership renewal was not paid since XX/XX/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies & could not assist me any further. Although I can sense the outcome, I forge forward & recontact yet another Costco account representative who also recognizes my excellent credit history & is willing to wave the {$1.00}? balance due so that my account would be paid in full .When I first became aware of the renewal e-mail I did proceed to pay in full with late charges & all {$120.00} ( XXXX/XXXX/15 ). I have no idea were a balance due of {$1.00} relates to nor did the representative ( today XXXX/XXXX/15 ). Nonetheless she was willing to wave the {$1.00}, as well as offer a credit for {$50.00}, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-01

MN

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. Now they Are going to garnish my pay forXXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-30

Homestead, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Cary, NC

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Colts Neck, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

San Diego, CA

APR or interest rate

Credit card:

Complaint: I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Katonah, NY

Late fee

Credit card:

Complaint: I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. I complained to Capital One, which agreed to refund the late payment but not the interest. I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. I can provide complete documentation if needed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-30

Everglades National Park, FL

Transaction issue

Credit card:

Complaint: My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Cleveland, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

City Industry, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Nyc, NY

Closing/Cancelling account

Credit card:

Complaint: capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Lewiston, ME

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Warren, RI

Billing disputes

Credit card:

Complaint: My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-30

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I never applied for a capitol one credit card. The company began contacting and harrasing me about payment for something that I made clear that I never applied, accepted or received. I complained about fraudulent things.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

Santa Ana, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

Camden, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

Key Biscayne, FL

Customer service / Customer relations

Credit card:

Complaint: Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). I made the payment that same day. Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.
Company Response: Closed with explanation

Disputed: No Timely Response