CAPITAL ONE FINANCIAL CORPORATION

2015-09-30

Sarasota, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-30

Chicago, IL

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-30

Cheshire, OR

Customer service / Customer relations

Credit card:

Complaint: Capital One has associated my phone number with someone else 's delinquent account. They are calling me every XXXX hours and will not remove my number from the other persons account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Bellaire, TX

Billing disputes

Credit card:

Complaint: I brought some building materials to build my patio from XXXX. They did n't deliver all my materials. I called the merchant and let them know and they said they were aware of it and going to credit it back to my credit card. I waited and waited but it never happen. I took action with my credit card company, capital one. First letter then asked for second opinion letter from a XXXX party. I provided it. Still nothing happen. Second letter they again asked for a letter stating that I never received the merchandise. Ok did that and sent it. Third letter out of nowhere they said that the case has been closed. Saying that I did n't provide proof of return of merchandise. Which I never dispute for returning anything. I was disputing that I never received all my merchandise. I know they are siding on the merchant which is very frustrating and nothing I can do about it. Its not a small amount that 's why I do n't want to lose out on it. Its XXXX worth of stuff. I keep asking them to let me speak to a manager or higher level assistance but they said I need to be on waiting list for about 2 weeks. Capital one disputing process is like a joke they are just trying to play with you. Trying to make you pass the deadline so they can close the case.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-30

Arco, CA

Billing disputes

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Beyersville, TX

Closing/Cancelling account

Credit card:

Complaint: Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Queens, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Sherman Oaks, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Malden, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Biltmore Lake, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Clinton, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Farmingtn Hls, MI

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Bloomington, MN

Billing disputes

Credit card:

Complaint: I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Eton, GA

Other

Credit card:

Complaint: I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-29

Glen Burnie, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-09-29

Sierra Madre, CA

Transaction issue

Credit card:

Complaint: The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-29

Lk Buena Vis, FL

Late fee

Credit card:

Complaint: I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-28

Hudson, OH

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

Dr Martin Luther King Jr, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

Columbus, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

Kansas City, MO

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

CT

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: Pulled credit report without permission
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-28

Brown Deer, WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

North Bergen, NJ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

CT

Credit determination

Credit card:

Complaint: Pulled credit report without permission
Company Response: Closed with explanation

Disputed: Yes Timely Response