CAPITAL ONE FINANCIAL CORPORATION

2015-11-17

Fort Mohave, AZ

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Gastonia, NC

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Katonah, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-16

Discovery Bay, CA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-16

Anchorage, AK

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Chicago, IL

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-16

Darnestown, MD

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Charlotte, NC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Daytona Beach, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-16

Sylvester, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Brookside, NJ

Other

Credit card:

Complaint: I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Nyc, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I phoned Capital One on XXXX XXXX, 2015 to request a PIN number for my credit card. The agent helping me accessed and changed my personal information related to my account without my knowledge. This is a clear violation of the terms of service that Capital One has perscibed in our contract. I called Capital One and they offered no assurances that my personal information could be safeguarded from that employee, only that I would be alerted by email if changes were made. They offered no resolution and said that they would look into the matter
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Hesperia, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Paramount, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-15

Phila, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-15

Euclid, OH

Delinquent account

Credit card:

Complaint: My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. I 've used the Capital One online chat service twice and can not get a satisfactory answer.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-15

Discovery Bay, CA

APR or interest rate

Credit card:

Complaint: I contacted Capital One XXXX/XXXX/15 to ask when my promotional 0.0 % APR was scheduled to expire. XXXX informed that it would expire on XXXX/XXXX/15, which was two days prior. I was surprised to hear this, because my XXXX/XXXX/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-15

Panorama City, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-14

Brewington Wds, IN

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-14

Seattle, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-14

Winston Salem, NC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: CAPITAL ONE AUTO MADE A HARD INQUIE ON MY CREDIT WITH OUT MY CONSENT
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-14

TX

Billing disputes

Credit card:

Complaint: Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-14

Anaheim, CA

Late fee

Credit card:

Complaint: I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-14

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-14

North Kortright, NY

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response