CAPITAL ONE FINANCIAL CORPORATION

2015-10-21

Nyc, NY

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Wilmette, IL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Bacots, MS

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-21

Palos Verdes Estates, CA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Falcon, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Orange, CA

Overdraft, savings or rewards features

Prepaid card: Other special purpose card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Traver, CA

Late fee

Credit card:

Complaint: Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-21

Key Biscayne, FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. Also i need to ask how much they purchased this said debt for from capital one.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Bedford, TX

Other

Credit card:

Complaint: After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-21

Canoga Park, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-21

Long Beach, CA

Billing disputes

Credit card:

Complaint: Capital One 's dispute process not fair. The ER Vet Clinic charged me for a XXXX admission for my cat at the cost of XXXX. The XXXX Admission was not needed. All that was needed was a change of medication = XXXX and a Gel Supplement = XXXX. I asked for the medication change and supplement several times and was given other recommendations or medication. The end result was that the cat was in worse shape than when I started almost XXXX later, I did n't admit her a XXXX time ; instead I took her to the family Vet who gave me exactly what I asked for and the cat bounced back in 2 days. ( see attached detailed document ) It was a light bulb moment because I realized that Animal Emergency intentionally inflicted pain upon my XXXX and myself. They hospitalized her XXXX for financial gain. REASON for COMPLAINT : Capital 1 requests documents to prove things that are impossible to obtain, especially if your complaint is about a service. I also believe that their Representatives are forced to tell lies and placate consumers in order to run out the clock. I filed a dispute with Capital One and they ruled against me and I did n't even know it had happen until I received a bill stating I had to pay interest. Events : Dispute was filed in mid XX/XX/2015 = I received letter from XXXX explaining their actions ( c attached ) XXXX/XXXX/15 Cap 1 grants a charge backXXXX/XXXX/15 approx. I get the Cap 1 XXXX/XXXX/15 letter asking for additional documents and a 2nd opinion. ( c attached ) XXXX/XXXX/15 = I complied and faxed the documentation, with exception of 2nd opinion. The XXXX Vet was out of the State. I did however give them the Vet 's detailed notes that expressed his opinion, actions and why he took the actions. Additionally on XXXX/XXXX/15 = I spoke to a Cap 1 Supervisor named XXXX after speaking to a idiot in regards to Cap 1 's request that I send them a credit voucher and XXXX opinion. I explained that the Vet was out of town, asked how the heck could I get a credit voucher. She told me that the XXXX opinion was really the problem. I told her to read the notes. The notes clearly state not only opinion, but his actions and there out come. XXXX said she would go higher up and she did. I got a call back from XXXX approximately 2 days later telling me that they would except the detailed Vet notes as the 2nd opinion. She would take my dispute up to the actual Cap 1 Dispute Board. I was to wait for a letter. XXXX/XXXX/15 I got another letter regarding the credit voucher. I disregarded the letter because it was about the same subject that I spoke to the idiot about. The letter also arrived the day after our conversation. ( c attached ) XXXX. XXXX/XXXX/15 I spoke to XXXX again and she told me # 1 that the Merchant had until XXXX to respond to my Vet 's documentation. She also asked me for a letter from the 2nd Vet stating that his opinion was his opinion. I told her that I had asked him to do so already and he refused. My Vet did n't want to involve himself any further and felt that not only did he give an opinion, he brought forth action. Between XXXX and XXXX/XXXX/15 = I called XXXX XXXX, her extension was disconnected. I left XXXX messages, the last on XXXX/XXXX/15 ; with someone named XXXX. She nor anyone else ever got back to me or sent me another letter. I just received a bill showing that I am paying interest and more of a minimum payment and that 's how I know they ruled against me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-21

NJ

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 5 ) Are they taking all the liabilities and action suits against ING Direct also? According to me this is a mere excuse not to give {$500.00} bonus. Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-21

MN

Unsolicited issuance of credit card

Credit card:

Complaint: I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Easton, MA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-20

Spfld, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Eagle, ID

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Huntingtn Bch, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Paterson, NJ

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-20

Irving, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Chestnut Rdg, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

MI

Overlimit fee

Credit card:

Complaint: Opened a Capital One XXXX Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to XXXX 2013 XXXX 22 month ) I have been charged $ XXXX/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Philadelphia, PA

Delinquent account

Credit card:

Complaint: My husband passed in XXXX. We had some credit cards together XXXX of which, would either come in XXXX our names or just my husbands, as primary ) and he had cards in just his name with me as an authorized user ( of which, would either come in just his name or in both ). With this particular card, I truly believe that I was merely an authorized user and thus, not liable on the debt. Despite repeated phone calls disputing this debt ( going back to XXXX though they first have it documented in XXXX XXXX, I am not only continually harassed by their collection team but they kick me around to different units every time I call to resolve this issue ( from collections to the decedent group to customer service ) every time I call requiring up to 3 hours of my time. I have requested evidence that I am on the contract as a joint party XXXX given situation described above of other cards and the fact that it is easy for their system - due to human error/changing or migrating systems - to incorrectly categorize me, as this has happened with other cards XXXX. I was told they could not find the application and that I needed to write a letter to a unit Utah requesting the contract and I would receive the contract, evidence of, or a letter stating what happens if they do not have it. I was to receive this within 7 - 10 days or my written request. I tracked the letter I sent and it was delivered on XXXX XXXX, 2015. I still have not heard back. I still can not get any answers. I am still receiving harassing calls despite numerous requests to stop and my ongoing dispute of the the veracity of the debt, requiring me to stop answering my home phone - especially when company is over. They are still reporting delinquencies to credit bureaus even though I asked if they could stop or notate a dispute until resolved, which has caused me great humiliation as I could n't even qualify for a {$1000.00} limit at a furniture store to replace the couch my husband died on let alone refinance my mortgage to take advantage of lower rates ( causing me long term financial harm ). I do not mind paying if I am on the debt - as I have done so with other cards. However, I believe that this was only in my husband 's name. Instead, I consistently get treated poorly, get harassed by collectors - despite disputing the debt and asking them to stop calling - and get punted around seemingly eternally. Making all of this worse, is the extremely inconsistent information and " answers '' I get every time. I am asking for simple proof - my personal experience and the events in mortgage servicing, for example, are demonstrative that I should not need to rely on their word or their system for proof as if it is infallible. Simply provide me with evidence and let us move onward. Simple request. Instead, the company continues to cause me emotional pain, stress, embarrassment, and direct financial harm. I am exhausted and drained. I need closure not more runarounds and false hope. I was supposed to have " the answer '' within 7-10 days of XXXX XXXX, 2015. This has been going on now almost 6 months and has cost me emotionally and an undeterminable amount of money on my ability to refinance my mortgage. I understand economics and promises to pay and will honor it if I am, in fact, liable. However, I truly and reasonably believe this was XXXX of my late husband 's personal cards. By far, the worst company I have had to deal with during these trying times.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Pikeville, NC

Transaction issue

Credit card:

Complaint: I purchased XXXX bundles of XXXX Curly hair as well as a XXXX Body Wave Lace Closure XXXX. XXXX # XXXX was placed on XXXX XXXX, 2015. My credit card has been charged in the amount of XXXX which is the cost for all XXXX items purchased. I received XXXX lovely bundles of XXXX Curly hair extensions on XXXX/XXXX/15 ; however, my XXXX Body Wave Lace Closure was not in the package. The cost of the XXXX Body Wave Lace Closure was XXXX. When I emailed the company to inquire about the missing item they advised me to reply to their email with the name used to place the order and a refund would be sent. I have yet to receive a refund and no one has emailed any updates in regard to this matter.
Company Response: Closed with explanation

Disputed: No Timely Response