CAPITAL ONE FINANCIAL CORPORATION

2015-09-15

Sherman Oaks, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Grape Creek, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-15

West Covina, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Dayton, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Peabody, MA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Crest Hill, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-15

Hialeah, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-15

Houston, TX

Billing disputes

Credit card:

Complaint: I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-15

Flint, MI

APR or interest rate

Credit card:

Complaint: This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Martinsville, VA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Louisville, KY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Manor, DE

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-14

Rumpus Ridge, SD

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-14

South Chatham, MA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-14

Evanston, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-14

Barr, SC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-14

Mill Valley, CA

Other

Credit card:

Complaint: Refuse to refund my credit balance do not reply to my letters
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Wonder Lake, IL

Balance transfer

Credit card:

Complaint: I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Norfolk, VA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-14

Alexandria, VA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Silver Spring, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Avondale, AZ

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-13

Bel Alton, MD

Transaction issue

Credit card:

Complaint: In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. any proof, but still
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-13

AZ

Billing disputes

Credit card:

Complaint: I purchased a round-trip ticket from XXXX XXXX on XXXX XXXX, 2015 using a credit card ( card # XXXX ) from Capital One. On the return leg of the trip, XXXX XXXX required me to pay a baggage fee, which I did using a DIFFERENT credit card ( card # XXXX ) from Capital One. The trip was then canceled and XXXX XXXX eventually refunded some of the monies ( about XXXX % of the round-trip ticket ) onto the original card to purchase the ticket. When I tried to get a refund for the baggage fee on the OTHER credit card, they could n't find the purchase in their computer system and nothing was refunded. I then disputed the purchase to Capital One. Capital One took my complaint, but then denied my refund since XXXX XXXX said they refunded the baggage fee onto the other card, yet they could n't find the baggage fee on their computer system when I called to ask for a refund? They also denied it because I did n't provide a refund receipt, which I never received from XXXX XXXX. Since XXXX XXXX has that data, should n't they be required to either give it to me in the first place or supply it themselves? I also want to know how an XXXX like XXXX can say they refunded monies to a credit card that was n't even used to pay for the baggage fee originally? Since I used card # XXXX to pay for the baggage fee, how can they say they refunded the baggage fee money to card # XXXX, even if that card was used to purchase the original ticket but not the baggage fee? Thank you for your time. XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-13

Keyport, WA

APR or interest rate

Credit card:

Complaint: In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. It will take me years to pay this off at this enormous interest rate.
Company Response: Closed with monetary relief

Disputed: No Timely Response