CAPITAL ONE FINANCIAL CORPORATION

2015-08-19

Bartlett, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Newington, NH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Ft Lauderdale, FL

Credit line increase/decrease

Credit card:

Complaint: I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Seattle, WA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

FL

APR or interest rate

Credit card:

Complaint: Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Affton, MO

Delinquent account

Credit card:

Complaint: It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Blackbird, DE

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Southern Pnes, NC

Customer service / Customer relations

Credit card:

Complaint: I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Burlingame, CA

Billing disputes

Credit card:

Complaint: I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Sanders, KY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

San Antonio, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Phoenix, AZ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Albert Lea, MN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Phoenix, AZ

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Alameda, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-18

Alexandria, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

West Brandywine, PA

Other fee

Credit card:

Complaint: I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-18

So Effingham, NH

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Sylvester, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: Capital One account was closed by Capital One, earlier, than sold to XXXX, put in collections, I disputed, they removed in XXXX and put it right back on again the same month. this account was over 7 years old and was dropped by Capital One. for {$540.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Gainesville, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-18

Dexter, KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Jupiter, FL

Other

Credit card:

Complaint: Please refer to the first complaint filed on XXXX/XXXX/2015 Case number : XXXX. This complaint is in regards to Capital One Acct # XXXX and excludes the XXXX accounts. In addition. I have contacted the credit bureaus and Capital One directly. To date Capital One has not provided any verification documents on this account. They have exceed the legally accepted 30 day allotment to verify this account. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. This is a clear case of unverified debt. I have exhausted all efforts to resolve this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Shreveport, LA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My car was repossessed at XXXX on XXXX XXXX, 2015. I was explained that I had 21 days to redeem the vehicle. I paid the bank the past due amount today but they have shipped my car to auction in XXXX XXXX, XXXX hours from where I live. Now my husband and I have to miss an entire day of work to pick up the car.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Sierra Madre, CA

APR or interest rate

Credit card:

Complaint: I was contacted by phone by a company ( which I initially believed to be Capital One calling ) claiming to lower the interest rate on my Capital One card. During the process I was asked to agree to a fee which they explained would take the place of my existing interest charges on the account, however when they were unable to negotiate with Capital One and I realized they were not actually my credit card service I requested to cancel my transaction. The man on the phone became very hostile and threatened me with collections on the amount k had agreed to pay before. I asked to speak to a manager and demanded that everything be cancelled because I was no longer interested. I was then told that the previous man I had been speaking too would process my request to cancel and during this process he asked questions that I was uncomfortable answering and when I asked why he needed it he said it was so he could complete the cancelation request. I was then told that I was denied a cancellation but had been approved for a card through XXXX at 0 % interest. I became enraged and told them I did not want a XXXX XXXX and had not been told earlier in the interaction that they would be applying me for another credit card. I was told again that I had no choice and could not cancel the transaction. They then called XXXX and instructed me to tell them I wanted a balance transfer. At this point, believing I had no choice and would be charged anyways I did what they asked and ended the transaction. I did not provide them with my bank routing number as they requested and they said they would call back. Immediately upon ending the phone call I contacted XXXX and told them what happened and they transferred me to the Fraud department who assisted me in cancelling the card and balance transfer. Over the next few days I was called consistantly by a blocked number but did not answer the calls. I then received a message on XXXX that on Friday my bank account would be charged approx {$800.00} for their services and was given a phone number to call the manager back. I called back and spoke to the manager who told me that I had no choice but to pay even though I had cancelled the cards and received no benefit. When I told him that I had tried cancelling at the time because I had not been told previously about having to get a XXXX XXXX and did n't want to continue if that was the process. He basically told me it was n't their fault I did n't understand the process and I had no choice because I had made a verbal contract. He said then that my mandatory payment would be sent to a collection agency and would negatively impact my credit score. I have placed fraud alerts on my accounts but do not want to be negatively affected. I believe I was misled into agreeing to pay for a service when they did not dislose the entire process to me initially. I had even been told verbatum that my credit card number would not chance which I why I did not expect a different credit card account to be created. In addition to this I learned after that legitimate companies will not contact you regarding interest reductions like this and I was involved in a scam.
Company Response: Closed with explanation

Disputed: No Timely Response