CAPITAL ONE FINANCIAL CORPORATION

2015-11-12

San Diego, CA

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Philatelic Center, CA

Other fee

Credit card:

Complaint: Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Tubac, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-11

West Harrison, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Capital one bank returned a check even it being my first time with insufficent funds.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

Fred, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

Desoto, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

GA

Closing/Cancelling account

Credit card:

Complaint: Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-11

San Gabriel, CA

Customer service / Customer relations

Credit card:

Complaint: Filed a dispute for a charge. They came back with supposedly sending me the information to dispute and never received it. When I call I get put into endless circles and I end up spending over XXXX minute on the phone to get this resolved. I now have incurred fees and disputing them as well.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-11

Ft Lauderdale, FL

Credit card protection / Debt protection

Credit card:

Complaint: There are multiple concerns but will start with XXXX. Although XXXX XXXX XXXX took about 7 weeks for researching my case, the research proved to be inadequate. Capital One agreed that I paid for credit card protection plan for unemployment and XXXX reasons. I became unemployed.Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed XXXX. Capital One made monetary restitution but has not removed the lates. The representatives were more interested in hounding for payment instead of applying the protection benefits. Therefore, the issue at hand is Capital One credit Card Protection policy.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-11

TX

Advertising and marketing

Credit card:

Complaint: Advertised - 7 Years No Interest to open and current Furniture Row Express Money Card issued by Capital One. When I made my purchase I was only offered 5 years No Interest. We went to Furniture Row at XXXX XXXX XXXX. XXXX TX on XXXX and met with XXXX to purchase a Tempurpidic bed and foundation for {$4600.00} for the advertised 7 years no interest. The advertisement said " Offer available on approved singles or combined store purchases totaling {$3900.00} or more of qualifying merchandise made between XXXX/XXXX/15 and XXXX/XXXX/15 on an open and current Furniture Row Express Money card issued by Capital One , N.A . '' I have an open Furniture Row Express Money Card with an available credit of {$4700.00}. When I went to purchase I was told that they would only give me 5 years no interest. XXXX called Capital One on XXXX and said that my credit account is not in the correct tier to get 7 years and they could only offer 5 years. I called Capital One on XXXX and they said that this is Furniture Rows decision to offer 7 years not Capital One 's and I need to take it up with the store manager as they do not make the promotions. I filled out the paper work on XXXX with XXXX at Furniture Row to make the purchase by calling back in on the phone the next day after a discussed this with Capital One. I went ahead and made the purchase over the phone and received the 5 years XXXX interest. I have filed a XXXX complaint against Furniture Row. The complaint went unresolved and Furniture Row said that this is an issue with Capital One. I have called Capital One again and asked for something in writing to explain how I have a credit card that is in a different tier and can be denied the 7 years but given 5 years no interest. They said that they do not have anything in writing and offered to send me a credit card agreement. I have received the credit card agreement and there is nothing in it that states that I can be denied an advertised 7 year no interest and given a lower tier of 5 years no interest. This is false advertising that lead me into the store to make a purchase for 7 years no interest and then have it not offered to me even though I already had the approved credit card and credit limit to make the purchase.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

OK

Unsolicited issuance of credit card

Credit card:

Complaint: male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-10

Winton, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Santee, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

San Diego, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. I look forward to a resolution with Capital One to proceed. Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Grovespring, MO

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My Capital One credit card was lost or stolen and I have been trying to resolve this issue for three month now. I still have charges which were not resolved. My phone calls were transfered from one department to another and still were not resolved.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Ft Belvoir, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Silver Spring, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

San Antonio, TX

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Ernul, NC

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-10

Atl, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Hollywood, FL

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Warren, RI

Credit card protection / Debt protection

Credit card:

Complaint: My credit card was stolen when my house was broken into then my card was used at several different places I did not report it until I seen the transactions 2 weeks later capital one is trying to not to refund me the fraudulent translations as they stated I do n't fit there criteria! Highly upset
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Fort Worth, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-09

Aloha, OR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response