CAPITAL ONE FINANCIAL CORPORATION

2015-11-09

Yonkers, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

Edgecliff Village, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Anaheim, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

Madison, WI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Warren, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Castle Pines, CO

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

Sandy Hook, CT

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-09

Cumberland, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

CA

Delinquent account

Credit card:

Complaint: I am past due on my credit card due to poverty. I submitted a payment towards my XXXX minimum payment for the XXXX of XXXX for XXXX dollars. By the XXXX, it had not been deducted out of my bank account, so I contacted the credit card company through online chat to cancel it so that I could pay for groceries. I was told that yes, they see the payment " posted '' but they had not deducted it from my bank account. My minimum payment had been XXXX, but the XXXX dollars posted had also not been deducted from the XXXX. So, capital one had neither deducted the money from my bank account yet, nor intended to cancel the payment, nor had they cut my debt by XXXX dollars. The rep said " cancel through your bank, because we ca n't refund it until we actually have it deposited '' and then agreed that, if I cancelled it through my bank, i would pay XXXX dollars today and XXXX by the end of the month. Instead, when I woke up at XXXX today, the credit card company had taken the XXXX dollars and still expected me to pay XXXX more dollars today and XXXX dollars by the end of the month. I can not get my bank to refund it. I tried to contact my bank last night but there reps were unavailable because it was XXXX. My money was not accessible to me, not through my bank or through capital one. Today, I had a rather unpleasant and dismissive chat with a credit card rep who told me that, not only would they not refund the XXXX, but it was now XXXX + XXXX today and XXXX by the end of the month. My credit card debt has still not dropped XXXX dollars, and they refused to give me a refund. They are holding my XXXX dollars hostage until I pay XXXX by the end of the month, at which point " you can feel free to contact us again. '' They would not give me an answer as to the likelihood of ever getting back my XXXX dollars. They kept repeating to get my account current and then we could chat again. They were dismissive and circumnavigated around all my direct questions about consumer laws and written agreements. They said no refunds ... ..however, there 's a small chance we 'll reconsider this once we get paid, and your minimum payment for XXXX is now XXXX not XXXX. I said this was a breach of contract and they said they did n't keep records. So I saved the XXXX page chat and will submit it here, as they did repeat the minimum payment as being XXXX dollars by the XXXX and XXXX by end of XXXX in today 's chat ( the minimum payment was to be for XXXX, XXXX, and late fees, my usual payment is like XXXX dollars ). I found them to be intentionally misleading and too aggressive in their collection tactics. They refused to continue the chat and kept repeating " we can discuss this when you get current with your payments '' and would not answer if I would, for certain, get a refund of my XXXX if I get current by the end of the month ... they also would not answer if they agreed they were breaching our written contract. They ended the conversation and I finally gave up trying to keep them online chatting with me, as they had tried to get off the chat for many minutes. The whole chat from today took XXXX minutes and the chat last night took an additional XXXX minutes ... .and they reneged on their written agreement and threatened to ignore me until I pay the XXXX today and XXXX by the end of XXXX. Then they really did ignore me and I was pressured into getting off chat, as they were not responding, but rather just copying and pasting the words " we can discuss this when you get current '' into the chat box.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Itasca, IL

Billing statement

Credit card:

Complaint: I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-09

WI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

Wonder Lake, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-08

Sherman Oaks, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-08

Columbus, OH

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-08

Oxford, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-08

San Jacinto, CA

Cash advance fee

Credit card:

Complaint: I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-07

Buffalo Mills, PA

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-07

Ralston Corner, VT

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-07

Tucson, AZ

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-07

East Detroit, MI

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Annapolis, MD

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Richmond, KY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-06

Phila, PA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Kenilworth, NJ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response