CAPITAL ONE FINANCIAL CORPORATION

2015-07-28

Desoto, TX

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

Rochester, OH

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I contacted a loan specialist in regards to our credit report to begin the process of owning a home again after a foreclosure. When he looked into our credit he told us that there is a judgement against us. We were not aware of this so I contacted the clerk of courts. They said that there is a judgement and if I understand this correctly they said the judgement went into a lien. They gave me information on the case so I contacted the law firm that is involved and asked them about it. I tracked down the original creditor because the law firm does not do settlements and the original creditor sold the account to Capital One. I contacted Capital One and they told me the amount of the judgement is around {$6000.00}. The amount that we actually accumulated on this card was a little over {$1000.00} and this is an old debt. I asked them why the amount we owed is so much. They said late fees, interest and court costs have accumulated but they would accept {$4400.00} so the lien can be lifted. This credit card was one that was being negotiated by a debt settlement company that we were working with that turned out to be a scam. Before this credit card debt could be taken care of, the debt settlement company collected their fee from us then disappeared. The law firm claims that all the information they got from this creditor was being sent to the debt settlement company which no longer existed. My question is, why did n't they then get in touch with us before the amount on this account got to be what it is??? This debt is many years old. I told them that I could not send the entire amount of {$4400.00} but that I would send it in three payments of {$1400.00}. I am working with a credit counseling agency right now and this does n't sound right to them either and finds it suspicious that a credit card debt would go into a lien. I already sent the first payment but I am now wondering if I should send the remaining two payments just in case this account can be settled for the amount of the first payment I sent of {$1400.00}. Can I get someone to help me with this issue? This account is not on our credit report from what I can see and I 'm not sure how the loan specialist came across it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Saint Clair, MO

Advertising and marketing

Credit card:

Complaint: I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

NC

Billing statement

Credit card:

Complaint: I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Harsens Is, MI

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Chino Hills, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Staten Island, NY

Other

Credit card:

Complaint: As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Arlington, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Alexandria, VA

Credit card protection / Debt protection

Credit card:

Complaint: For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. ( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! ( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Houston, TX

Billing disputes

Credit card:

Complaint: I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-27

Tuckasegee, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Accokeek, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Catalpa, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Cumberland, IN

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Dayton, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Boca Raton, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-27

Branford, CT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

El Toro, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Kenmore, MA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Meiners Oaks, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Blaine, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Foothill Ranch, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Facts pertaining to Capital One Auto Finance Originated loan in XXXX of XXXX Filed for Chapter XXXX XXXX XXXX, XXXX Car loan was included in the plan and Trustee made higher payments than the regular payment on this debt. All bankruptcy payments made on time as agreed up to the time of payoff due to accident in XXXX XXXX XXXX XXXX car was totaled in an accident Obtained a payoff and insurance paid the amount and title was released Filed for voluntary dismissal of in XXXX of XXXX due to divorce Pulled a credit report and settled all debts in XXXX and XXXX of XXXXPulled an additional report to see the paid accounts in XXXX XXXX that 's when a balance to Capital One showed up Capital One was showing a balance of over {$7500.00} Disputed with them because there was a payoff settlement Due to a " cram down '' of the interest they said I still owed interest since the Chapter XXXX was not discharged Settled with them for a lesser amount I was never contacted by Capital One about the amount owed prior to the credit report that I pulled in XXXX XXXX I was never 30/60/90 days late in XXXX because this was a debt I was unaware of and I settled the debt once I realized the loan was not paid off when I had the accident in XXXX. This is how this debt is currently reporting to the credit bureaus 30/60/90/CO/CO/CO/CO from XXXX XXXX XXXX Hide original message I am being unduly harmed by the negative reporting of this loan in XXXX item should be removed from my report all together as I have acted in good faith and the negative reporting is not truly reflective of the situation. I will be penalized for this well beyond the Chapter XXXX reporting as it stands. This item will not automatically fall off my report until XXXX of XXXX. This is EXTREMELY unjust. I have paid my dues with this. I am continually declined credit and charge higher than normal interest rates because of this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Oxford, GA

Billing statement

Credit card:

Complaint: I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.
Company Response: Closed with monetary relief

Disputed: No Timely Response