CAPITAL ONE FINANCIAL CORPORATION

2015-10-09

Chicago, IL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Charlotte, NC

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Puyallup, WA

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Elmwood Park, IL

Closing/Cancelling account

Credit card:

Complaint: Capital one credit card used for 2 weeks, restricted for more than a year ago and asking to pay membership fee, I paid the membership when the card opened and did not get the money back, not even can close the credit card.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Hinsdale, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Flamingo Ldge, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Columbus, OH

Delinquent account

Credit card:

Complaint: I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Rehoboth Bch, DE

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Madison Square Sta, NY

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-09

Commerce, MI

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-09

Fort Worth, TX

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Maxwell Afb, AL

Other

Credit card:

Complaint: Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Federal Way, WA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Amount paid in full.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Santa Barbara, CA

Delinquent account

Credit card:

Complaint: Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Encino, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-08

Dubberly, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Baton Rouge, LA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

MT

Customer service / Customer relations

Credit card:

Complaint: I am a Capital One cardholder. My payment due date is XX/XX/XXXX. On the business day of XX/XX/XXXX, I attempted to make my payment using the Capital One mobile app. The app, which has experienced significant challenge and seems inoperative much of the time, would not accept my payment. I next called the Capital One customer service department. I spoke to an agent and explained the reason for my call. He then told me he would be processing a payment but that I would get a late fee. I asked for a supervisor and received one. The supervisor told me that the payment was made by the previous representative and that I would be able to get the late fee waived. She specifically looked and told me the prior agent had processed my payment during the very call we were then on. The next day I called to make sure the payment had been made. When I found that it had not, I asked again for a supervisor. The supervisor explained that no payment had been processed by either the customer service agent or supervisor the day prior. I then made yet another payment. I want to make this complaint because it is in Capital One 's interest to improperly process payments. They make considerable sums of money on the late fee scheme. Had I not called in just to make sure, the payment would have never been made and Capital One would have surely notified the credit reporting agencies of my failure to make a payment on my account. Customer service in general is on the downward spiral, not just at Capital One, but everywhere. Extensive voice mail systems with prompts that go nowhere or do not address the issue and an over reliance upon one-way web site customer service is rampant and worsens with every day.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

San Francisco, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Aventura, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Pinellas Park, FL

Billing statement

Credit card:

Complaint: I wanted to close my capital one card years ago because it had a low limit and I was approved for an XXXX XXXX card with a much higher limit. I called to pay my balance in full and close the account. The girl I spoke with said she processed my payment and closed the account. I never heard from them again. Years later I get a call from a collection agency. I kept hanging up because as far as I knew I did n't owe anyone a dime. Then I got a collection letter about a capital one debt ( my exact balance owed when I closed the account : XXXX dollars. ) I called capital one to pay the debt. The girl I spoke with said she saw the note indicating I requested to pay the account in full and close it. Yet somehow they never processed my payment! She transferred me to the collections rep and I immediately paid in full. This NEVER should have happened. I never got a single statement nor phone call from capital one about this. My number has n't changed in over a decade. They could have told me about THEIR mistake any time. Now I have a charge off affecting my credit because some inept representative did n't do what she said she would.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Rehoboth Bch, DE

Payoff process

Credit card:

Complaint: I was traveling last week and knew I had an upcoming Auto-Payment set for my Capital One credit card on XXXX XXXX from my primary XXXX checking account. The Auto-Payment was just less than my current balance so I linked a XXXX checking account to my credit card to pay the monthly bill with. I selected to make a one time payment for the amount due for the month on XXXX XXXX from that XXXX checking account and verified the details before submitting. I thought all would be fine. Upon returning today I checked and saw that the one time payment had been processed to my primary account, not the XXXX as I had requested. To further aggravate the situation, the Auto-Pay was processed as well for the full amount, even though my account should have show a XXXX balance on XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Mabank, TX

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Aurora, CO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response