CAPITAL ONE FINANCIAL CORPORATION

2015-09-13

Mountain View, OK

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am trying to improve my credit score and opened a {$300.00} credit card account with Capital One.I chose them because they were advertised on XXXX XXXX and they give the cash back option for all purchases. I started using it for everyday cash purchases and using the online function to pay the bill after it would reach a point as long as I had the amount in my checking account. I stayed in touch with Capital One 's call center and had suspicion it was n't in the USA but did n't want to be labeled a XXXX. I travelled out of town to California to visit my little brother who has XXXX. While doing so I made a payment and unbeknownst to me, a family member at home who has access to my personal bank account in case I should die, removed money for their valid use without my knowledge causing my payment to be rejected. When I returned home and found out and before Capital One knew about it, I called to notify them and let them know what I was doing to remedy my balance with Capital One. Shortly there after within a few days, I received a call from some foreign sounding man, telling me my bank had refused to give him my personal banking numbers, including routing, Social Security number, address, etc. etc. He demanded I give it to him, I refused, He got irate and wanted me to email him the info, i refused, he wanted me to XXXX call my bank, I refused and politely asked him to put it in writing on official capital one letterhead. He was n't happy and started threatening that he was going to suspend or restrict my card, to which I said something to the effect of give it your best shot and hung up. My account was restricted and I made numerous ( XXXX ) calls to follow-up and resolve it. I did receive a letter telling me they suspected fraud 10 days later and that I needed to call to resolve the matter. Nothing in writing said I had to provide my personal info in writing to Capital One. I did manage to get on-line and delete my bank info for online paying of my bill. The next day I was restricted from signing into my account. The following day I could sign in. I spoke to someone in the escalation department, again, they wanted that personal info. I said no, that 's not their concern and I was using it according to the rules. i then asked, If they did not release the restrictions to close the account. They atre refusing to close my account until I Provide Them the information. I have paid it down to XXXX and they still will not close my credit card account. I have asked numerous times for the name and address of an executive in the USA that I can write to that will have the authority to close my account and they refuse to give me that. Today I just got done speaking to them and asked to be transferred to a USA call center since I was connected to a XXXX call center, again I was transferred to a " XXXX '' in XXXX. Again I did not get my account closed. This is not right and I 'm probably not the only XXXX. I suspect fraud on their side at the expense of elderly XXXX Americans. Why ca n't I follow the chain of command with Capital One and even get a name or address of a Company Ececutive that is making these policies and procedures. If it 's not an American Company that requires and has access to such sensitive information any company should have to identify themselves as such immediately right under their logo in the start of the procedure. If it 's not an American company, I would not have given them my business as a foreign country business does n't have to follow the same rules if they do n't want to, but they do get to use are laws against us when it suits them. ( sorry for the opinion, but it 's how I feel ). I request my concerns be addressed all set-up and interest fee 's be returned to me and my account closed with minimal or none affect to my credit rating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-12

Oxford, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-12

Bel Alton, MD

Delinquent account

Credit card:

Complaint: I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-12

NJ

Billing disputes

Credit card:

Complaint: i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

E Fairfield, VT

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-11

Alameda, CA

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Franklin D Roosevelt, NY

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-11

Darnestown, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-11

Rehoboth Bch, DE

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-11

Cloverly, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Coleman, FL

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Mountain View, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Chicago, IL

Sale of account

Credit card:

Complaint: i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Boqueron, PR

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Spring Hill, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Baltimore, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Dallas, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Columbia, SC

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-10

Mableton, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Fort Myers, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Grand Forks, ND

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Boqueron, PR

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Louisville, KY

Billing disputes

Credit card:

Complaint: Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

NJ

Credit determination

Credit card:

Complaint: Capital one Credit Cards not in my name?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Chester, NY

Customer service / Customer relations

Credit card:

Complaint: I 'm am list as authorized user on a capital one credit card on an account that not in my name but is listed XXXX my credit report
Company Response: Closed with explanation

Disputed: No Timely Response