CAPITAL ONE FINANCIAL CORPORATION

2015-11-06

North Highlands, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Lakewood, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-06

Kiryas Joel, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-06

Ashdown, AR

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-06

Hickory Hill, TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

San Diego, CA

Transaction issue

Credit card:

Complaint: Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

MI

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Houston, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Franklin, TN

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-06

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I noticed a fraudulent charge on my checking account with Capital One Bank. I ccalled and was told to come in and close the account. The account had a XXXX babalance and nothing pending. I closed the account. The banker cut the cardI have the paper where the account was closed. Now I am getting letters from CCapital one with NSF charges on the account after it was closed. I called thebank several times and was told that it is being taken care of. Now the feesare up to XXXX dollars. I spoke with a supervisor and she stated thatit was their mistake and for me to come in and close the account. I do n't want to do that because I already closed the account. Now she wantme to pay the fees and then close the account
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-05

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Dulac, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Brandon, FL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-05

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX at XXXX I went to the XXXX XXXX Branch of Capital One Bank, where I have XXXX or more accounts : XXXX personal and XXXX business. I wanted to send a wire and check my balances. I was asked if I needed to update my information, which I did ( address and tel numbers ) on XXXX of my accounts. I was told that " I have to sign the change forms '', which I did. Afterward, I asked to get a copy of all the documents that I signed, and I was told that I could not have the copies. It was explained by more than XXXX employee, including the manger of the branch, that the policy forbids that they release those " internal '' forms to me. I explained that as soon as my signature was required, and I signed the form, that whether they considered them " internal '' or not, I was entitled to copies of my own documents that contained my signature. 3+hours later, I was told that the district manager would contact me, which she did. In the meantime, and since that time I still do not have copies of the forms that I signed, even though I requested them at each step. 1. I have asked or a copy of the policy or policies that explain ( s ) the bank 's position on refusing to provide copies of forms signed by a customer of Capital One to said customer after he signs them. 2. Though I was repeatedly told at the branch that this is " the policy '' I have been given no straight, unequivocal answer as to whether such a policy exists ; nor have I been told that the bank will provide me with that or any other explanation as to why their address forms or any other documents which contain my signature may not be provided to me. 3. I have been told that, according to the " office of the President '' of Capital One bank, and " XXXX '' who works in that department, that " there are no disclosures '' that delineate the policy regarding the bank 's refusal to provide copies to the client of forms he just signed, but that any details about such policies as well as whether they exist is an " internal '' issue. 4. The answer in # XXXX is an example of the doublespeak and equivocation that I am describing : " no disclosures '' in my understanding means no approved public material that the bank will release to explain their policy. That does NOT answer the question as to whether the bank is taking the position that they flatly refuse to make copies of a client 's signature and give it to him as part of ANY FORM that he signed. 5. Another example is when I was told that " if I want help from '' the office of the president that I 'm going to have to be specific about the " documents that I am requesting. '' I told them that " any form that has my signature on it '' are the forms that I am requesting in my particular case, but also:6. Because apparently the bank has a POLICY to refuse copies of client-signed documents to the client who signed them / this is a larger issue than just my particular case : The POLICIES as Well. 7. I repeatedly suggested that if the bank would simply provide me their policy which explains how and when they refuse copies to clients, or the REGULATIONS from the OCC or the FED that creates an exception to the obvious logical position that any responsible company or person would provide such copies, I would happily go on about my business. 8. In the meantime, I have no answers, nor do I have copies of the policies that I requested nor copies of paperwork with my signature, which I requested over 24 hours ago. ( XX/XX/2015 at XXXX is the current time. ) 9. The bank has created XXXX case numbers related to my inquiries /complaints : a. ( I do n't see this in my notes now ; will update later. ) b. XXXX. I have dealt with : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX branch in XXXX XXXX, XXXX XXXX XXXX, Regional Manager -- XXXX XXXX XXXX XXXX, XXXX XXXX, Office of the President, XXXX XXXX " Escalations Dept ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Littleville, AL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: This debt is over 10 years old. They recently started garnishing my wages and I have n't received anything indicating this was in process so could n't do anything to prevent it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Beyersville, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Gloucester City, NJ

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Tarzana, CA

APR or interest rate

Credit card:

Complaint: It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Ogden, UT

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was working XXXX, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX Bank and Capital One. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at Capital One did not resolve the fraudulent account and continues to report negative information on my XXXX credit reports. I have documents showing that I do not and have not lived at the address listed on the Capital One accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX XXXX XXXX XXXX Office when I reported the fraud. Please assist in disputing Capital One 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

AL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Rochester, OH

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Wayland, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Monitor, OR

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Jamaica, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response