CAPITAL ONE FINANCIAL CORPORATION

2015-11-23

Akron, OH

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-23

CT

Other

Credit card:

Complaint: I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. - I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. - Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. Where am I now .... NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Richmond, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Washington, DC

Billing disputes

Credit card:

Complaint: I have been with Capitol One for almost two years now and have never missed a payment. However, I was offered a higher line of credit twice. I started with a {$500.00} credit limit than {$1200.00} and now {$1800.00}. I had a balance of $ XXXX.due XXXX, 2015 of which I paid {$78.00} on XXXX XXXX which left me with a Zero balance owed. Minimum payment was already paid. I also paid {$65.00} XXXX XXXX and {$55.00} XXXX XXXX. ( Interest ). which left me with a CREDIT of {$200.00}. I looked at my account balance last night and from the {$200.00} was as deduction of {$32.00} and that amount? was transferred to my balance owed causing my balance to go back up to {$1600.00} and line of credit reduced to {$160.00} with a INTEREST CHARGE of {$55.00} Due XXXX XXXX, 2015. ( How can Capital One Increase my Balance by taking a payment before it is due and making my balance higher before the DUE DATE? I have not made any purchased since XXXX 2015.ZERO!!!!!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-23

Odell, OR

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My card was stolen, I notified capital one on XXXX/XXXX/15, they have decreased my balance by the fraud amount but have not made it available to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

La Vernia, TX

Delinquent account

Credit card:

Complaint: paid off XXXX cards with a settlement now they still show late payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

York, PA

Bankruptcy

Credit card:

Complaint: I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

Austin, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

Oxford, GA

Customer service / Customer relations

Credit card:

Complaint: Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-22

Darnestown, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

E Fairfield, VT

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I get paid once a month due to XXXX. I explained that I can only get paid once a month. After asking them to refrain from contacting me consistently, I get hung up then they call later that day.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-21

Fort Mohave, AZ

Other

Credit card:

Complaint: When i moved to XXXX then back to XXXX, Capital One put a restriction on my credit card for possible fraud. I was late on a payment because I had a small XXXX XXXX, but resumed working again and wanted to bring my balance current. I have been trying to prove my identity to them for the last month. I have called them XXXX times to date. Thier hold times are up to four hours, while I get transferred from one department to another. I was unable to answer one security question due to it being an address I had over 25 years ago. I was tiold to take my ID to my banker. I did, she was on hold over 45 min and finally could wait no longer. I called again, got disconnected twice, was finally given a supervisor. She directed me to fax my ID. I did, and i received a confirmation number. I was told 24 to 48 hours to remolve hold. Five days later I am told it was not received and they need XXXX forms of ID. I refuse to send my birth certificat and social. After an hour and a half on hold, Im sent to a supervisor, who wants me to fax my ID again. Very fustrated, and late charges accruing because I can not make payment. HELP!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-21

Bronx, NY

Other

Credit card:

Complaint: I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Washington, DC

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Staten Island, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Silver Spring, MD

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

OH

Closing/Cancelling account

Credit card:

Complaint: Capital One closed my account because activity on account was not consistent with personal, family values, and household values.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

ID

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-19

Scranton, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Orlando, FL

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-19

Biltmore Lake, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Aurora, CO

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

St Heights, MI

Disclosure verification of debt

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

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

Disputed: No Timely Response

2015-11-19

New Orleans, LA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response