CAPITAL ONE FINANCIAL CORPORATION

2015-09-17

Cleveland, OH

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Beyersville, TX

Credit line increase/decrease

Credit card:

Complaint: Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. Why approve me on another credit and gives me denial on credit increase. Is it to charge me high annual fees for both cards? Late fees are included also. I am on XXXX XXXX XXXX and Retired. I am a Military Veteran. Capital One practices needs to be regulated by Federal Government.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-17

AK

Customer service / Customer relations

Credit card:

Complaint: I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Patterson, MD

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Harsens Is, MI

Late fee

Credit card:

Complaint: I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-17

Cleveland, OH

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Malden, MA

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Sarasota, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Lynn Haven, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Plattekill, NY

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-16

Pigeon Forge, TN

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Hixson, TN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Houston, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Denver, CO

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Colts Neck, NJ

Credit line increase/decrease

Credit card:

Complaint: I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-16

Everett, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Eton, GA

Credit card protection / Debt protection

Credit card:

Complaint: A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Gloucester City, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-16

Lompoc, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Rockaway, NJ

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Houston, TX

Billing disputes

Credit card:

Complaint: Capital One has inaccurately reported the following months late on my credit reports. XXXX reported XX/XX/XXXX and XX/XX/XXXX. XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

WI

Balance transfer

Credit card:

Complaint: I requested a transfer of a balance from Capital One XXXX. The transfer went through on XXXX/XXXX/15 so I now have a $ XXXX balance on XXXX XXXX XXXX. However, the transfer has n't gone through yet on Capital One so I still have that balance on that card, too. Therefore, I am being charged finance charges on XXXX cards. Seems like a game the credit card companies play to make more money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

NY

Credit card protection / Debt protection

Credit card:

Complaint: Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. Thanks for choosing Capital One. View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Ft Lauderdale, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Hemet, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response