CAPITAL ONE FINANCIAL CORPORATION

2015-07-14

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that XXXX sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Discovery Bay, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Gardnerville, NV

Other

Credit card:

Complaint: I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Northside, NC

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: On XX/XX/XXXX at approximately XXXX-XXXX, I made an online payment to Capital One Bank ( see attached ) in the amount of {$38.00}. At the time, I was unaware that payments made after XXXX on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( XXXX ) and also been denied a credit line increase with Capital One due to my " late payment history ''. I have had XXXX credit card accounts with Capital One for over a year and never paid late or after XXXX on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX, the practice of posting credit card payments ( made after XX/XX/XXXX on the due date ), the next day and counting it against the cardholder as a late payment is illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Liverpool, TX

Delinquent account

Credit card:

Complaint: Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. My XXXX account with them in not delinquent and is current, and has never been late or missed. I have called them XXXX to request my number to be removed. I am registered on the Do Not Call list. Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

City Ranch, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Mem, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Manhattan, NY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Miami, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

PA

Credit determination

Credit card:

Complaint: Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

PA

Sale of account

Credit card:

Complaint: I used my credit card to purchase concert tickets for a venue that was in our area, and I never received the tickets that I was charged for.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Nyc, NY

Billing statement

Credit card:

Complaint: On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

IL

Billing disputes

Credit card:

Complaint: Capital One continues to list hidden charges from unauthorized charges made to my account XX/XX/XXXX. The amount of the XX/XX/XXXX bill was {$1100.00}. On the current XX/XX/XXXX bill, the amount is {$1200.00}, which is more than it should be ; hidden charges still remain. My account should be less not more than $ XXXX, the amount of the XX/XX/XXXX. You have not removed the hidden fees placed on the account for the fraudulent charges made on my account In XX/XX/XXXX.Please do so immediately. a. Payments of {$50.00} each made for XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which total $ XXXX. Payments of {$100.00} each made in XX/XX/XXXX and XX/XX/XXXX which total $ XXXX. Payment of {$120.00} made in XX/XX/XXXX. Payments totaling {$560.00} have been made to this account but are not accounted for. Please take my XX/XX/XXXX and deduct the {$560.00} in payments made. Without your legitimate interest charges, the amount that I owe would be $ XXXX.If you add you legitimate fees and interest, my XX/XX/XXXX bill should not exceed the XX/XX/XXXX bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Philadelphia, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone stole my identity and use my name for a credit card and its showing on credit report and bringing my score down and i m getting harrassed by these company.I would like to get it remove off.account # XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Lewisville, TX

Unsolicited issuance of credit card

Credit card:

Complaint: I had a credit card with Capital one which is opened in XX/XX/XXXX and has no activities since XX/XX/XXXX. I believed that I have cancelled it and cut the card. Anyway I have n't received any credit card or statement until recently in which it is said that I owned a balance of {$120.00}. I immediately checked my credit report from XXXX and found that scheduled payment of {$23.00}, {$23.00}, {$35.00}, {$36.00}, {$1.00}, {$1.00}, {$1.00} since XXXX XXXX and I also found that the payment of {$5000.00} each month since XXXX XXXX to XXXX XXXX which I never paid. Actually I am out the country since XX/XX/XXXX. I believe that they did this purposely in order to make my account active and then charge me some annual fee and penalty after my ignorance of this charging.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-13

Mill Valley, CA

Billing disputes

Credit card:

Complaint: Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Las Vegas, NV

Credit determination

Credit card:

Complaint: On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

Phoenix, AZ

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-12

Phoenix, AZ

Credit determination

Credit card:

Complaint: On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

Mem, TN

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

Chalfont, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

Hamilton, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-12

Tampa, FL

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

Baltimore, MD

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response