CAPITAL ONE FINANCIAL CORPORATION

2015-09-08

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-08

Accokeek, MD

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XXXX XXXX, 2015 I contacted Capital One Fraud Dept regarding my stolen funds {$68000.00} plus interest loss at least {$1300.00} and my time {$200.00} per hour to collect my loss. I told the Rep XXXX that based on the terms and conditions, the funds can not be releasd to the preson who was NOT the signer on the account. Also the terms and conditions never listed Guardianship. I can not get any assistance from the Rep XXXX, therefore I ask his supervisor. I never received any contact within XXXX hours. On XXXX XXXX, 2015 I contacted the bank specialist via Chat. However I still can not get any assistance. I was notified by the specialist to sue Capital One the court in order to get my loss back. Her name is XXXX. She constantly use excuse that I need to log into my account when I was in secure online section. She also used " enjoy your day '' etc words to harass me. On XXXX XXXX, and XXXX XXXX, 2015 I visited local branch two times to express complaint to branch manager regading stolen funds. I have given federal court paper showing NO guardian to the branch manager on XXXX XXXX, 2015. I feel my personal information and my savings are extremely unsafe at this bank. Since XXXX 2015 I filed my complaint, it 's been more than XXXX months I can not get my stolen funds back. I am asking if the bank continue to bring me financial loss and harm, I have no choice but to take them to the court.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-08

Patterson, MD

Delinquent account

Credit card:

Complaint: Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Foothill Ranch, CA

Credit card protection / Debt protection

Credit card:

Complaint: I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. I 'm happy to discuss this with your or one of your associates further if you wish. Respectfully, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Discovery Bay, CA

Closing/Cancelling account

Credit card:

Complaint: Listing closed account as open, last payment XXXX XXXX, different removal dates on ( XXXX ) credit bureaus.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-08

FL

Billing disputes

Credit card:

Complaint: I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Bay Hills, NY

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-07

Encinitas, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-07

Killeen, TX

Sale of account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-07

Rncho Domingz, CA

Delinquent account

Credit card:

Complaint: I had a business relationship with the owner of XXXX XXXX, XXXXOn or about XX/XX/XXXX, Capital One Bank ( USA ) N.A . made a solicitation to XXXX XXXX, XXXX. Upon verification and approval, on the front of the credit card, the words " Capital One Business Platinum '' are printed as well as " XXXX XXXX, L '' ( LC ). On the reverse side, the words " Capital One Small Business Solutions Center '' also appear. ( Exhibit XXXX ). 2. Capital One 's Customer Agreement specifically states that this is a business account. Under the heading Business Purpose Account : " Your Account is a business Account that must be used only for business purposes. '' Capital One states under the Account Information clause that : " We maintain the right to restrict or close your Account if your information can not be verified or you do not provide additional information as requested. '' Capital One accepted the application for a business credit account under these terms. In filling out the application, it required my name, address and social security number. I did not provide the EIN number nor did Capital One contact me to verify the information or request that I provide the EIN number. ( Exhibit A ) 3. It is alleged that Capital One has misrepresented itself and committed credit card fraud by leading me to believe that by applying and receiving this business account, I had corporate status protection as a limited liability corporation. At certain times, Capital One issued and billed the account to XXXX XXXX, XXXX. ( Exhibits XXXX, XXXX ) 7. I filed legal action against officers of XXXX XXXX, XXXX in Federal Bankruptcy Court ( Exhibit XXXX ) and received judgment against officers of XXXX XXXX, XXXX ( Exhibit XXXX ). I continued making good faith payments after having been promised by XXXX XXXX, XXXX that they would reimburse me for business related expanse as well as all amounts owed. When it became clear that the owners of XXXX XXXX, XXXX were not going to reimburse me for business related expenses, I was no longer able to make good faith payments to Capital One and defaulted. 8. Capital One has pursued this issue relentlessly. Capital One claims that I am personally responsible for the corporate account issued to XXXX XXXX, XXXX. 9. Capital One filed a lawsuit on XX/XX/XXXX and continue putting pressure either settle or go to trial. I can not afford an attorney and continue to maintain that I have corporate status protection under a limited liability corporation. According to CAL. CORP. CODE 17101 : ... no member of a limited liability company shall be personally liable under any judgment of a court, or in any other manner, for any debt, obligation, or liability of the limited liability company, whether that liability or obligation arises in contract, tort, or otherwise, solely by reason of being a member of the limited liability company. 10. Capital One has relentlessly pursued the collections, ignoring the fact that they issued a business card to an limited liability corporation, yet the individual is responsible for the debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-07

Washington, DC

Cash advance fee

Credit card:

Complaint: On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-06

City Industry, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-05

Beaver Dam, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-05

Lebanon, PA

Overlimit fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-05

Buffalo, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-05

Washington, DC

Billing disputes

Credit card:

Complaint: In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-05

Silver Spring, MD

Transaction issue

Credit card:

Complaint: XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-05

Lena, OH

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Salinas, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Cedar Rapids, IA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Long Beach, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Cloverly, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Dixiana, AL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Lehigh, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

MD

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.
Company Response: Closed with explanation

Disputed: Yes Timely Response