CAPITAL ONE FINANCIAL CORPORATION

2015-09-04

Brentwood, TN

Delinquent account

Credit card:

Complaint: I made a payment of XXXX to my Kohl 's charge and I was still reported late. I have hard some hard time financially. I have experienced a house fire and ID theft.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Brentwood, TN

Delinquent account

Credit card:

Complaint: I have paid my capital one bill and they are reporting me late.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Winston Salem, NC

Credit line increase/decrease

Credit card:

Complaint: I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Philadelphia, PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Kohl 's department store keeps calling me, at least XXXX times a day
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-04

Capitol Heights, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Naperville, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Jacksonville, FL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Burbank, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Indian Creek, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Bronx, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Tarzana, CA

Advertising and marketing

Credit card:

Complaint: This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-03

Lewisville, TX

Balance transfer

Credit card:

Complaint: After talking with multiple departments to combine my capital one credit cards to lower the interest rate, today I am frustrated with a customer service rep who addresses my concerns, with " Oh my god '' after I respectfully ask to speak to a manager. I was told that I could combine my credit cards from Capital one to the lower interest rate almost 3 weeks ago and that I would receive the confirmation in the mail, today XXXX, employee ID XXXX, supervisor that informed me that nothing could be done and the previous representatives was wrong. My complaint is gross miscommunication, unprofessional behavior, failure to provide accurate information/plans a consumer can participate. Speaking to a customer in a unprofessional manner such as I was today. Totally unprofessional and uncalled.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-03

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Bowie, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Discovery Bay, CA

Credit determination

Credit card:

Complaint: I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Plattekill, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

College Point, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Warren, RI

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-02

Fort Worth, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Orlando, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Santa Ysabel, CA

Delinquent account

Credit card:

Complaint: After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-02

Hornell, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Staten Island, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response