CAPITAL ONE FINANCIAL CORPORATION

2015-10-05

Addisleigh Park, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-05

Odessa, FL

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-05

Corpus Christi, TX

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Phoenix, AZ

Billing disputes

Credit card:

Complaint: The below disputed charge from XXXX was rebilled to mystatement. Can you please let me know why this disputed charge hasbeen rebilled again.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-05

Penn Yan, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. I was told they would investigate and get back to me. I have yet to hear from them. On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-05

Blasdell, NY

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

San Antonio, TX

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-05

Washington Green, CT

Billing disputes

Credit card:

Complaint: I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Hinkley, CA

Billing disputes

Credit card:

Complaint: This is both a billing and customer service issue. First let me state that the BBB gives a name of XXXX XXXX with a number of XXXX, with no access code, luckily I had XXXX. When you ask for the name provided then a rep tells you that " she is unavailable, but then continues to probe you for info. To me this is a clear indication that she is, but they just wo n't put her on the phone. So for that I am also reporting this company to the FTC. My New issue is that Capital one credited me XXXX do to an error on their end XXXX they passed the blame off to XXXX XXXX XXXX, but the XXXX only covered the XXXX plus XXXX late fees and not the interest I ws promised. i called in yesterday, spoke with a supervisor who fixed that issue just fine. I told her I had just made a payment of XXXX via XXXX Saturday and that I will call back with the reference number, so that they could verify and release the funds unto my account. I called back in with the reference # but they stated that because my account was " past due '' and " in collections '' that they could not. My account should have never been placed in that status because it was in dispute and accoding to the FDCPA If, within thirty days after receiving written notice of the debt from the debt collector, you contact the company stating that you do not owe the money, the debt collector must stop contacting you. The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor. And that until proof is given I am NOT required to make payment. Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to {$1000.00}. You may also be able to recover court costs and attorney fees. I am hoping that it will not come to this, but you will not violate my FDCPA Rights, you will not hold my hard earned money and you will not disrespect me Capital ONE!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

New York, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Lafayette Hl, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from XXXX stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. XXXX XXXXThis company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Scottsdale, AZ

Payoff process

Credit card:

Complaint: I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Lewisville, TX

Transaction issue

Credit card:

Complaint: We disputed and item on our credit card with Capitol One. The rental of an auto. We provided documentation that showed the charges, however Capitol one has stated that the are correct and want to charge us for the bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

SC

Customer service / Customer relations

Credit card:

Complaint: I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Brooklyn, NY

Billing statement

Credit card:

Complaint: I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Fort Mill, SC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Pacific City, OR

Other transaction issues

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Atl, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Nyc, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Pensacola, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Medford, OR

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Over about 5 years no one has contacted me before that I know to an old home someone served me something but after that no one has ever contacted me and now they took my whole account and me and my XXXX year old will be homeless I wrote a check for rent that will bounce and we have nothing for XXXX credit they have XXXX interst and fees are XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Patterson, MD

Transaction issue

Credit card:

Complaint: I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Ridley Park, PA

Fraud or scam

Other financial service: Traveler’s/Cashier’s checks

Complaint: Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. Guess its a scam? But ca n't figure out how it works. No money being asked from me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

West Newfield, ME

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-02

Bristol, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response