CAPITAL ONE FINANCIAL CORPORATION

2015-11-25

Council, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Allenwood, NJ

Billing disputes

Credit card:

Complaint: There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-25

Temperanceville, VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Warrenton, VA

Payoff process

Credit card:

Complaint: In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Plymouth, FL

Application processing delay

Credit card:

Complaint: Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Tarzana, CA

Other

Credit card:

Complaint: RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. I 'm confused as to wh
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-25

Chestnut, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Garrett Park, MD

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. **
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Round Rock, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-24

Creve Coeur, MO

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Niverville, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Halyoke, MA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Holladay, UT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Lompoc, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

Louisa, VA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Harrisville, NH

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

San Antonio, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Mt Pisgah, IN

Overlimit fee

Credit card:

Complaint: I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Flushing, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

NJ

Credit line increase/decrease

Credit card:

Complaint: i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Occoquan, VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Identity thieves have obtained sufficient information about me to attempt to open credit card accounts. I have received notice of at least 3 attempts in the past 2 weeks of credit cards being sought in my name ( 1 time at XXXX XXXX XXXX and 2 times at Capital One ). I am concerned that Capital One Bank may not have adequate systems in place to prevent future fraud in my name. When I received the XXXX Capital One credit card I had not requested, I called and got it cancelled. When I got a XXXX letter informing me that another credit card was coming, I called back. I was getting contradictory information from the fraud line representatives - one person found the XXXX application for credit and another could n't. The last representative I spoke with said that they could not associate a fraud warning with my information. This does not appear an adequate solution. Will I keep receiving new credit cards that I have to cancel? I ca n't tell based on Capital One 's current response. I have also filed a police report and filed a fraud warning with the credit bureaus. I just fear that Capital One 's response is not adequate. It is also possible that the XXXX letter I received purportedly from Capital One is a sophisticated phishing attempt - but, based on Capital One 's response, I ca n't tell.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Borculo, MI

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-23

Sandy Hook, CT

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Memphis, TN

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Centreville, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response