CAPITAL ONE FINANCIAL CORPORATION

2015-10-29

New York, NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

MA

Payoff process

Credit card:

Complaint: My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

OH

Other

Credit card:

Complaint: Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

VA

Payoff process

Credit card:

Complaint: My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Apex, NC

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-28

Buckingham, TX

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-28

Las Vegas, NV

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Lafayette, LA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Portland, OR

Advertising and marketing

Credit card:

Complaint: When I was shopping at Kohl 's on XXXX XXXX, 2015, the salesclerk convinced me to apply for a Kohl 's charge card by promising that I would get 30 % off of my purchase. However, instead of the application being accepted, a receipt printed that said : " We are unable to complete processing of your application at this time. '' The clerk said that this meant that my application was declined. He could no longer provide me with the 30 % off. Additionally, he took back the written terms and conditions for the credit card. I questioned him if the application was in fact denied, since that was not what the receipt said. He said that the application was denied and that 's what that message meant. On XXXX XXXX, 2015, I called the Kohl 's Charge Account customer service number at XXXX. I spoke with XXXX, who then transferred me to XXXX. I wanted to confirm that the application was in fact denied and was not being processed. XXXX stated that my application was denied and I would be receiving a letter within 30 days explaining why it was denied. Since I did not receive the promised discount and was not able to keep a copy of the terms and conditions - and therefore was not able to read the terms and conditions - I wanted to make sure that the card was not processed. I fully understood that there would be a credit pull on my credit report ; however, if the application was still being processed and was not declined, I did not want a trade line reported or something showing that I closed the account, since this will negatively affect my credit. Imagine my surprise when, instead of receiving a letter stating why my application was denied, I received a credit card in the mail. So, on XXXX XXXX, 2015, I wrote to Kohl 's Credit Customer Service. I asked for a refund of the amount I should have saved if I had received the promised 30 % discount. I also asked for Kohl 's to mail me a copy of the credit card 's terms and conditions and train its employees to provide accurate information. I received a letter from Kohl 's dated XXXX XXXX, 2015. Enclosed was a copy of the Cardmember Agreement. However, Kohl 's declined to provide me with the promised discount because I did not make any purchases on a Kohl 's Credit Card - which I could n't do, because at the time of purchase, the application was still being process. However, Kohl 's offered a courtesy credit on a future purchase. This offer was not clear, so on XXXX XXXX, 2015, I sent an email to the address provided by Kohl 's to clarify the courtesy offer. Kohl 's responded that it could n't assist me by email so I called the customer service number on XXXX XXXX, 2015. I spoke with XXXX. She informed me that Kohl 's would provide me with a 30 % discount if I made a purchase with my Kohl 's card and then submitted a claim for a credit to my account. But, I could not combine the 30 % discount with any other discounts being offered at the store. So, for example, if the store was offering a 20 % discount, I would need to skip the 20 % discount and not use any coupons in order to receive the 30 % discount from the Kohl 's card. Or, I could go on one of the days when the store was not offering any discounts - XXXX checked and there were only XXXX such days in the entire month. Since I was not being offered the promised benefit that induced me to sign up for the card, I asked Kohl 's to cancel the card. Since Kohl 's refused to honor its promotion and I never activated or used the credit card, I asked Kohl 's to request that the consumer reporting agencies XXXX CRAs ) suppress the trade line. XXXX said that she could n't do that but that I could send a formal request in writing. My credit history should not be adversely affected by a company that does not honor its promises and does not adequately train its staff to correctly answer inquiries.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-28

Belmar, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Harrisburg, PA

Billing disputes

Credit card:

Complaint: This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Cranberry Township, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Martinsburg, WV

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-27

Douglasville, GA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Omaha, NE

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Austin, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Alex, MN

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Bartlett, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Washington, DC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Odell, OR

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-27

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Bremen, GA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Irving, TX

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

NY

APR or interest rate

Credit card:

Complaint: Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Atlanta, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.
Company Response: Closed with explanation

Disputed: No Timely Response