CAPITAL ONE FINANCIAL CORPORATION

2015-07-16

Laurel Hollow, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

IN

Late fee

Credit card:

Complaint: My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-16

Houston, TX

Closing/Cancelling account

Credit card:

Complaint: Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

NJ

Billing disputes

Credit card:

Complaint: There were fraudulent charges on my credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

South Florida, FL

Billing statement

Credit card:

Complaint: I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-16

Nutley, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-16

IL

APR or interest rate

Credit card:

Complaint: My Capital credit card account my payment went over XXXX from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Five Points, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from XXXX Representative name XXXX continues calling my employer in spite of being instructed not to contact me here.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

West Harrison, NY

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Riverside, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Royal Palm Beach, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

City Industry, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

Flushing, NY

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Rockaway Beach, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

Washington, DC

Rewards

Credit card:

Complaint: I have a CapitalOne " World '' Mastercard, which has a cashback bonus program. I always pay the balance in full each month by using CapitalOne 's website to schedule a withdrawal from my checking account, to occur on the due date. To make my most recent payment, I redeemed most of my accumulated cashback bonus for an account credit, and ( as I normally do ) used CapitalOne 's website to schedule a withdrawal from my checking account, setting the amount to the difference between the balance due and the cashback credit amount. After the due date, I got an email from CapitalOne saying they were charging me roughly {$10.00} in interest. I called them to find out why, and the representative told me that CapitalOne does not count credits ( including both cashback bonus amounts and refunds from merchants ) as " payments '', and so they do n't reduce the amount you owe for a prior statement period. Instead, CapitalOne nets such " credits '' against the purchases you make during the statement period in which they occur, reducing the amount that you will owe on the *next* statement. This delay in accounting for credits seems to me to be unfair, illogical, and not in keeping with how such transactions are treated by other providers in the industry. Certainly, it is not how cashback bonus redemptions or refunds are treated in my XXXX and XXXX XXXX XXXX credit card accounts. I always pay the balance on those cards in full each month, and whenever I have a cashback bonus redemption or other credit to my account, I reduce my payment accordingly. I have been doing this for over a decade, and XXXX and XXXX XXXX XXXX treat those " credits '' just like any other payment. Further problematic, to my mind, is that CapitalOne 's treatment of credits is conditional on subsequent transactions. This seems even more unjustifiable. Specifically, if, after a statement period ends, your subsequent " credit '' transactions exceed subsequent purchases, then ( and only then ) the amount you need to pay to avoid finance charges is reduced by the difference. So for example, let 's say your statement for XXXX XXXX - XXXX XXXX shows a balance due of {$1000.00}, with payment due on XXXX XXXX. Then, on XXXX XXXX, you get a refund of {$300.00} ( say, because you returned an item you purchased in XX/XX/XXXX ). Under CapitalOne 's policy, that {$300.00} does not *necessarily* reduce the amount you need to pay by XXXX XXXX to avoid finance charges. If you charge nothing during XX/XX/XXXX, then you need only pay {$700.00}. But if you charge {$300.00} or more, you have to send CapitalOne {$1000.00} by XXXX XXXX. I can see no legitimate justification for this inconsistent treatment of the credit transaction. Either CapitalOne got that {$300.00} before the due date, or it did not. Its inconsistent treatment of the credit seems like an attempt to hide an improper policy from scrutiny by tempering its most egregious effects. A further ridiculous consequence of this policy : a direct redemption of a cashback bonus for statement credit is not a " payment '', but if the cashback bonus is credited to my bank account, and I then send the money right back to CapitalOne, it is. CapitalOne 's odd practice is a trap for the unwary. At the very least, it should disclose the practice clearly, unambiguously, and prominently, in a location and context that ensures consumers will understand and be able to account for it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-15

Alta, CA

Billing disputes

Credit card:

Complaint: On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

Colts Neck, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Lewiston, NY

Other

Credit card:

Complaint: As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

AL

Credit card protection / Debt protection

Credit card:

Complaint: I have a GM Mastercard issued by Capital One. It was caught in ANOTHER hack of a major retailer, and Capital One called to tell me this, and to tell me they are sending a new credit card. I asked if it would be the chip type, and they said no, they are not doing that until next year. I realize that the credit card companies have been fighting the move to chip cards for years, but you finally started issuing them. But Capital One 's decision NOT to issue chip cards until next year is, frankly, complete and utter contempt for the safety of consumer financing ... ..all the keep the extra {$1.00} or so a card that this costs.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-14

Allen, TX

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-14

Seneca, SC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Black Jack, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Overbrook Hills, PA

Balance transfer

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-14

Chicago, IL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-14

Silver Spring, MD

Privacy

Credit card:

Complaint: We called Capiital One Bank at XXXX at XX/XX/XXXX on XX/XX/2015. We were asked question from the automated system including credit card number, social security number ( last XXXX ), security question, date of birth. After providing these answer we requested to speak to a 'representative '. The system responded that sorry we a closed, please call back during normal business hours. This seems wrong. We called back and were directed to someone in XXXX XXXX. We called a third time and spoke to several people at Capital One who did not understand the seriousness of information being provided to a department /organization that should not have my personal information. Further, when we called again, my wife spoke to someone who attempted to assist. They spoke a short while, and then handed me the phone. The Capital One employee, XXXX, then told me her name and said that we were on a recorded phone line. Interestingly there was no announcement to my wife about that the call was being recorded. We called again, and we recorded the phone call, the automated system DID NOT report that we were on a recorded line. We spoke to a representative who further DID NOT state that we were on a recorded line. We reported to the representative that we were recording their conversation. It is my understanding that when the Bank must state that calls are being recorded when they may be recorded. Our attempts to get someone from Capital One bank to be concerned over either issue was unsuccessful. We are concerned that : The Capital One Bank phone / computer system has been compromised and provides outsiders with personal information that could risk my identity. We are concerned that Capital One telephone banking does not provide information regarding when calls are being recording.
Company Response: Closed with explanation

Disputed: No Timely Response