CAPITAL ONE FINANCIAL CORPORATION

2015-10-27

Beaumont, TX

Sale of account

Credit card:

Complaint: I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

August F. Haw, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Las Vegas, NV

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Leming, TX

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Beaumont, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-26

Mdn, MS

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Belle Haven, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Kohls call me at least XXXX times a day! I have asked them to stop and even informed them that they have closed my account. They were supposed to stop calling me for XXXX days and send me something to do a cease and decease i believe, but that same exact day I was still receiving phone calls that never stopped! It is annoying and im starting to feel like they are harassing me, my voicemail fills up in less then two weeks with numerous messages from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Stamford, CT

Billing disputes

Credit card:

Complaint: Last month i disputed a transaction on my capital one credit card against XXXX XXXX for {$130.00} and for {$150.00}. Capital one gave me credit for it, at the same time Capital one will conduct a investigation which i understand is a standard procedure. Few weeks past and Capital one send me documents supporting XXXX transaction. i was given ten days to reply by Fax, I did and said none of the documents support that I " XXXX XXXX " authorized the transaction, no location, nothing imply. Capital one re bill me for these transactions, I try to email them asking when will these transaction be credited again but sadly the answer was we dont know. I did not made these transactions and i would like to be credited again. Attach are the documents from Capital One and conversation we had
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-26

Phoenix, AZ

Billing disputes

Credit card:

Complaint: I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. They always inform me that a supervisor will call meand no one has.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Palos Park, IL

Other

Credit card:

Complaint: We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-25

Saint Clair Shores, MI

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-25

KY

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-25

Memphis, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-25

Clayton, MO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-25

Ridley Park, PA

Payoff process

Credit card:

Complaint: This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-24

Gloucester City, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-24

Urbandale, IA

Payoff process

Credit card:

Complaint: I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-24

Tarzana, CA

Billing disputes

Credit card:

Complaint: On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-24

Flushing, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Atlantic City, NJ

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-23

Roseburg, OR

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Finksburg, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Cedar Falls, WI

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-23

TX

Billing disputes

Credit card:

Complaint: I have an account with Capital One and we receive a bill in the mail every month. There were a couple of months where we did n't receive a bill and made our payment late. Capital One reported our account 30 days past due on several occasions. I have sent them a couple of letters pursuant to the Fair Credit Billing Act to verify that my payment posted past the 30 day mark and I have not heard anything back. The only response we received was a letter requesting the account number which was already provided. We have simply asked for these 30 day late payment remarks to be removed so that we can move forward on purchasing a new home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Brooklyn, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response