CAPITAL ONE FINANCIAL CORPORATION

2015-11-02

Scottsdale, AZ

Transaction issue

Credit card:

Complaint: In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-01

IL

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-01

MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened Ckg & Svgs Accts with Cap One Bank this yr. I got text/EM notifs about my trans.In XX/XX/XXXX I got an EM telling me to read a msg.I logged into the full site ; msgs are not avail on mobl site, a bug? The msg told me a XXXX trans had caused my acct to OD & if it cont 'd my Acct could be closed.I checked my Bank stmt & that trans was NOT there.I set up a backup card in my PP ACCT as my OD protection so it would n't happen again.It seemed to be working.I got purch, XXXX, & Dep notifs from the Bank, & notifs from XXXX when it used my backup card.I went into my Bank acct daily & made sure I had money to cover " pending '' trans & watched for OD or declined trans.There were NONE nor did I get any more " go read msgs. " In XX/XX/XXXX, I made a {$40.00} dep to pay for a {$22.00} XXXX purch.On XX/XX/XXXX I noticed that my Bal was still {$40.00} and the {$22.00} was n't XXXX.I checked the mobl app and now I had a msg at login that said I could n't WD any funds/call Cust Serv. I called & was told my Chkg Acct was being closed! The Rep said it was because I had too many trans ( all PP! ) that had hit my acct & caused it to OD! He said they had sent me msgs! I told him the only msg I got was back in XXXX & I 'd been watching my acct closely since then.I said I 'd seen NO OD 's on my stmts nor gotten notices.He said they DO N'T show OD trans on stmts! I went through my EM 's, even my Spam.The ONLY EM I found was the one XX/XX/XXXX.He told me my acct would be closed on XX/XX/XXXX.I asked him to move my {$40.00} to Svgs.He said not until the acct was closed ; it would be held in case anything came in that would need paying! I told him my XXXX Retrmnt Chk ( almost {$3500.00} ) was auto-deposited in that chkg acct the XXXX of every mo! He said they would reject the Chk & send it back! I told him it would cause me severe financial problems! I would n't be able to pay my mortgage or any bills! He said to call the issuer ; tell them to stop it.He was rude. I contacted XXXX & was told it was too late to stop it.They said I was prob looking at a delay of 2-3 weeks! I contacted all my creditors & informed them I 'd be paying my bills 2-3 wks late & I 'd have to provide new Bank info to them.And get this-when I checked my EM that day AFTER talking to the Bank Rep, NOW there WAS an EM telling me to check my Bank msgs.On XX/XX/XXXX, I checked to see if my {$40.00} had been transf to my Svgs after closing my acct ( XX/XX/XXXX ) .BUT it was still in Ckg! I called the Bank.They told me my acct would be closed on XX/XX/XXXX! That 's not what their msg or Rep said! I was told XX/XX/XXXX! They changed the closing date and did n't notify me! I asked her-If it wo n't be closed until XX/XX/XXXX, will my paycheck be deposited since it will come in before XX/XX/XXXX? She said yes & they should move it to my Svgs Acct like the {$40.00} as the request stated on file.She said I could then WD it from Svgs or transfer it to my PP acct.She must have verified my paycheck with a Supervisor because she next apologized, saying that my paycheck WOULD be rejected & ret 'd even though it would come in before XX/XX/XXXX. I asked why & she said-because they were not going to process ANY trans in or out. I asked what they were holding my {$40.00} for XXXX did n't XXXX then told me she agreed with me about everything and was truly sorry.She said she had it happen to her and had handled many unhappy customers under these circumstances.SO-1 ) Why is n't this Bank required to post ALL trans, includ neg or OD info on their mobl and full site? 2 ) Why are WE penalized if a merchant TRIES to process a trans that the Bank did n't even pay when we made backup arrangements? 3 ) If we 're notified verbally & in writing of an acct closing date, HOW can they CHANGE the closing date & not notify us? 4 ) If their OWN written rules specify paying any " pending '' trans up until the closing date BEFORE closing the acct, WHY are they deciding WHAT to pay or reject before the closing date? Like my paycheck or a {$12.00} trans ( both came in XX/XX/XXXX )? An
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

Richmond, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

San Gabriel, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: XXXX XXXX XXXX is the attorney representing Capital One, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX bank account out in XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed. Since the withdrawal of the levy in XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case. XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm. XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter. On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. Judge stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

VA

Customer service / Customer relations

Credit card:

Complaint: My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In an XXXX XXXX, 2015 letter from Capital One, I was informed in an unsigned letter that someone may have opened a credit card account using some of my personal info. The letter provided a reference number of leading xs and ending in XXXX digits.Beneath the reference number was a XXXX " Case Number ''. In a letter of XXXX XXXX, 2015, I wrote Capital One indicating that I was exercising my right to obtain documents relating to fraudulent transaction made or accounts opened using my personal information and thus was requesting a copy of applications and other business records relating to the attempt to create ( or the creation ) or establishment of an account in my name. My written request resulted in a standard form letter, dated XXXX XXXX, that was not responsive but which was assigned a different reference # and corresponding Case No. that was different from the first. The letter was not signed. The letter asked that I provide ( 1 ) any supporting documentation, such as my credit report, ( 2 ) a copy of the XXXX XXXX letter, ( 3 ) a copy of my original request dated XXXX XXXX, and ( 4 ) completion of a separate attachment. The attachment asked for my Name, Address on file with Capital One ( unknown so N/A ), Current Address, Account Number ( unknown so N/A ), SSN, and Date of Birth. I completed the information on the attached page, made copies of the correspondences, and mailed back to Capital One, XXXX XXXX in XXXX XXXX XXXX UT on XXXX XXXX. On XXXX XXXX, I received the SAME FORM LETTER /attachment with a THIRD different reference number/Case No. from Capital One. XXXX was unresponsive. In my follow-up letter of XXXX XXXX, I cited all of the XXXX reference/case numbers and demanded that Capital One not send another form letter. But on XXXX XXXX, I received the same form letter with new reference/case no. Discussed, I called the 'customer fraud protection team ' @ XXXX XXXX ( XXXX ) on XXXX XXXX and spoke for more than 20 minutes back and forth with XXXX who did not provide a call back extension and who promised to give me a call back after speaking with her supervisor about my request to send me the online application that was completed using my personal information. XXXX told me that I could not receive the document but would check and call me. On XXXX XXXX I called back at XXXX XXXX to follow-up with XXXX but was blocked by XXXX who took up the battle for 57 minutes trying ( but unsuccessfully ) to explain that of the XXXX reference/case numbers, only XXXX was 'valid ' and that there was no application - contrary to what XXXX had said. Then XXXX told me I would have to fax XXXX govt-issued photo IDs, a notarized signed statement, and copy of my SSN card. She provided no name for the fax and could not guarantee that even after all of that I would get the application. I asked why these requirements were not specifically cited in the responses from Capital One instead of the same form letter. And why was there no one dedicated to my case. XXXX was not even clear on the process and what became of the correspondence mailed to the POB. After speaking with her, I became concerned that each case number represented a separate attempt to open a new credit card. But she felt I should not be concerned because only XXXX case number appeared from her search ... the others were unsuccessful. I 'm complaining that this process by Capital One for handling fraud cases is broken and disconnected. Neither would XXXX or XXXX elevate or refer me to their supervisor.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-31

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I contacted Capital One, applied for and was approved for a securedMaster Card. I submitted a payment of {$500.00} and received my card laterin the mail. upon receiving my card, I began using it for purchases untilclosely reaching my max limit, at which point I contacted them andsubmitted a payment for the full balance of the card as well asadding an additional password for security. Shortly thereafter, I madean attempt to use the card without success. I contacted CapitalOne and was transferred to the fraud department for further identityverification. After answering all identity questions, I was told it was not enough, and I would need to submit proof of my identity through a secured link and it would take 1-2 business days to clear up. Information was sent in this sequence, all per requestof a Capital one fraud specialist : First I sent a photo copy of my drivers license. Was told two days later that it was too small and needs to be bigger because the address wasnot legible. I then sent another, bigger, copy of my drivers license. Wastold two days later that I need to send a copy of my license and socialsecurity card. After submitting a copy of both, I was told I also needed tosubmit a copy of a utility bill for proof of residency. I informed them that I moved in with my sister, and the utility bills were in her name. Atthis point, I inquired as to why my address on my account matchingthe address on my drivers license would not be sufficient. I was then transferred to an account manager who informed me that the addresson the drivers license would be sufficient as proof of residency, andI just needed to wait 1-2 business days for it to be verified. Uponcontacting them again two days later, I was told that I needed tosubmit a scanable copy of the front and back of my drivers license, or go to a bank and have them verify my identity over the phone. I attempted this with XXXX different banks, without success, as thebanks say that it is against their policy, and they have never evenheard of banks doing this. At this point, I submitted many large, legiblecopies of the front and back of my drivers license, as well as a copy ofmy social security card, and a " notarized '' copy of my banking form, ona bank letterhead, verifying my account at the bank, as well as mycurrent address. It has been 3 days since I have submitted all this information, and now when I contact them, I either get hung up on, placed on hold with no one returning to the line, told they did n't receivethe information, which had already been confirmed received, just waitingfor review, or told the management department which does the verifyingwas unable to take the call. I have even attempted to cancel the cardand have them fund the money back to the bank account it came from, also with no type of success. The last attempt I made to contact them inregards to this matter, I was told that they, themselves, could n't evenaccess my account until all the information was verified.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

OH

Billing disputes

Credit card:

Complaint: yes on my moms credit card account i set up a payment arrangment with XXXX.the director at capital one bank.still waiting on my bill.payment plan was set up 2 months ago.have not gotton a bill for XXXX a month payment plan??? not very happy???? tryong my best??? also they riuned my moms credit?????? trying too work with them/hard too work with?????? my moms XXXX years old has XXXX and is XXXX?? this how they treat the elderly?????? disgusting???? plus the keep charging late fees????? called XXXX back few times no reply?????
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-31

Katonah, NY

Balance transfer

Credit card:

Complaint: I paid payments into my Capital One credit card from a few banks, since I made a huge over payment it is Capital One policy to mail the customer a check in the difference of the over payment, Today XXXX XXXX, 2015 it has now been 11 days since they received the payment and they are refusing to mail me the check. On XXXX XXXX, I was on the phone with them for XXXX hours, in total I have been on the phone with them for about XXXX hours in the past 11 days, I went into a Capital One branch on XXXX XXXX because they were not advancing my case, the girl told me that sh would call me on Monday and she did n't, I have spoken to over XXXX people at Capital One and most of them are the highest possible managers and bosses at the fraud department and they refuse to release the funds to me, they owe me {$21000.00} of my own money that they refuse to give back to me, they coerced me into letting them call XXXX to make sure that the transaction was n't fraudulent and that the funds would not bounce the funds that went from my XXXX into Capital One as a payment, all the managers and fraud bosses do is laugh at me, they constantly lie almost everything they told me has been a lie. on Tuesday XXXX XXXX, I made an appointment for their fraud specialists to call me their policy is a guarantee of 1 to 2 days at most to be contacted, on Thursday XXXX XXXX, they did n't call me so I spoke to a top fraud Manager at Capital One and they promised me that I would be contacted on that day, I told her that she is lying to me and that they would never call me, she assured me I would get a phone call, I never did, Friday came along 3 days later and no phone call, I spoke to them again and all they did was put me on hold for a long time and then hang up the phone on me, I called XXXX and has a supervisor on XXXX way to convince them that the funds are not fraudulent, they put me and XXXX on hold for XXXX minutes and never got back to me. On Friday the XXXX I called them up and after explaining the same thing over and over for the past 11 days I told them to jot down a call back number just in case we get disconnected the guy refused, he then put me on hold to explain it to his manager, after XXXX minutes on hold they hung up on me. There is an over payment of {$21.00} in my Capital One Platinum card and they refuse to mail me a check in that amount, one of their top fraud managers lied to me and told me that she would not allow that to happen, she should be fired, an employee can not change company policy that was written and determined by top Capital One officials and lawyers, they ca n't go against company policy just because " they do n't like something '', they could dislike something as much as they want, but they ca n't refuse to do company policy, they ca n't refuse to pay a customer back with his own money just because they do n't like it, the payment from my XXXX account into my Capital One account was not fraudulent and that has been proven because I proved it over the phone and in person at a Capital One branch, XXXX told them that the funds would never bounce because the funds cleared and were there, the funds are in my Capital One account and they locked and restricted my account, top Capital One managers, MANY of them have all lied to me over and over, lying about company policy, about refusing to pay me back my negative balance because of an over payment and they suggested that I spend nearly {$22000.00} as a way to get my money back, how insane is that, even if I wanted to I could n't because they locked me out of my account when nothing fraudulent has taken place.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Boone, IN

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-30

Jacksonville, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-30

Dallas, TX

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have an online savings account at CapitalOne360.com XXXX originated from INGDirect which was bought out by COBank ). I make monthly deposits into the account and regularly make withdrawals into my XXXX bank account ( linked to the savings account ). On XXXX I scheduled a withdrawal from CO360 to the XXXX account to drop into XXXX on XXXX. This morning, I logged into XXXX and it was n't there. I then logged into CO360 and it was n't there either ( see attachment ). I called XXXX and they said it was n't in the XXXX for today at all. They had no evidence that it was anywhere. I then called CO360 and said where 's my money? because it had been taken out of my CO360 account altogether. They claimed it would take 2 business days to get to XXXX. I said I get that when I make an unscheduled withdrawal but that is not right for a scheduled withdrawal. And never since I 've owned the account, whether making a scheduled or unscheduled withdrawal, has the withdrawal shown as gone from my CO360 account and not deposited on the same day to my XXXX account. So, in order to get the deposit to XXXX as scheduled, I was required to wire the money at my own cost of {$30.00} or wait until Tuesday to get the money to XXXX. So, I was no longer the " owner '' of the funds in either location. My {$2000.00} was in someone else 's possession altogether, being used by someone else to get the " float '' and I was no longer getting anything, interest or use. In fact, for all I know, it was in the pocket of some hacker in XXXX. This ca n't possibly be legal. I get that they can, as an account term, take 2 business days. But never for those 2 business days has the money not still been shown as being owned by me in my 360 account. This was the first time ever they pulled this stunt. I will be demanding the refund of the {$30.00} shakedown and closing the account now, but I hope you will investigate this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Burkburnett, TX

Customer service / Customer relations

Credit card:

Complaint: bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. This cause a late chg
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

NJ

Billing disputes

Credit card:

Complaint: In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Fort Lauderdale, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Haverhill, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Atl, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-29

Jupiter, FL

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Complaint: After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-29

Bullhead City, AZ

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Redding, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-29

Pittsburg, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Watkins, CO

Billing statement

Credit card:

Complaint: I have a Kohl 's department store credit card. Heretofore, I received printed statements by mail. I received a " friendly reminder '' email from Kohl 's stating that my account was overdue. Upon calling Kohl 's customer service I was told that my account was designated as " paper free, '' that I had been sent XXXX electronic statements and my account was 40+ days overdue -- I had not received any Kohl 's statements by any means, printed via U.S. mail NOR electronic resulting in Kohl 's charging a {$25.00} late fee plus {$5.00} interest. I performed an email search and found no Kohl 's email re. an electronic statement. -- My first phone call to Kohl 's customer service was less than helpful where the rep. insinuated that I was lying on all counts. My 2nd phone call to Kohl 's customer service resulted in a reversal / removal / credit back of the {$25.00} late fee. Negligence by Kohl 's to issue electronic statements to consumers result in consumers ' failing to make timely payments, resulting in a company 's realizing unjust interest and late fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-29

Milwaukee, WI

Closing/Cancelling account

Credit card:

Complaint: My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response