CAPITAL ONE FINANCIAL CORPORATION

2015-07-09

Wichita, KS

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Bowie, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

Anchorage, UT

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Henderson, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Clinchco, VA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-09

Louisville, KY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Reno, NV

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Fresno, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have been receiving incessant phone calls from Capital One, for a man named XXXX XXXX, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know XXXX XXXX, he does not live in my home, and that I now have the phone number that was once associated with XXXX XXXX. Each representative has assured me, there have been at least XXXX, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every representative that if I received another telephone call I would file a complaint, and no one is taking me seriously, or taking the necessary steps to remove my telephone number from their database.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Three Bridges, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Lewisville, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Holly Springs, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

NJ

Credit line increase/decrease

Credit card:

Complaint: I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Five Points, NC

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Lena, OH

Billing statement

Credit card:

Complaint: Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Key Biscayne, FL

Customer service / Customer relations

Credit card:

Complaint: I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

Monroe, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Clarkston, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-09

Joliet, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Burkburnett, TX

Billing disputes

Credit card:

Complaint: XXXX keeps going on my acct, vendor was suppose to stop the billing.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

Blackbird, DE

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I received invitation from Bank to open Savings Account through XXXX mail. I applied Online for savings Account, I met with an error and it advised me to call them. When I called them, they denied the Account opening saying I do not have sufficient history from third party regarding my SSN. I asked them if they can send an email about denial or if I can send more documents, proof to satify requirements. They simply said No for everything and denied Account opening. They simply said we cant help. I have excellent credit rating and I am clueless about what happened.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

CO

Customer service / Customer relations

Credit card:

Complaint: I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-09

Bohemia, NY

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

PA

Other

Credit card:

Complaint: Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Wilmington, DE

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: What happened : In XX/XX/XXXX my Boscov 's account had fraudulent activity that I reported to Cap One and was assured would be taken off my account. It has not been resolved after almost a year of phone calls and sending them documentation. They are now negatively impacting my credit bureau and refuse to remove the fraud charges from the account. My last known activity on the card was in XX/XX/XXXX or XX/XX/XXXX as I was preparing to move XXXX for a new job on a 3 year contract. At the time of the transaction at the store, as reminder by my mother who was with me, I told the cashier I was preparing to leave the country. I paid the balance in full and thought that I had closed the account, but later was told it was never closed out. After being in the XXXX for a few months, a colleague brought my mail from XXXX to me, where I found several notices from Cap One claiming I had a past due balance. I contacted them immediately to advise them that I had paid the balance off and thought I had closed it. They informed me of the fraudulent activity and I requested it be disputed and investigated because I was n't even in the country. I also requested that all correspondence regarding the issue be by email, since I was in the XXXX. They agreed and said they would take care of it and let me know if they needed anything. I heard nothing, but again a few months later when my mail came over from the XXXX. I found that they had closed out the dispute and placed the items back on the account and again were reporting me as past due. I had heard nothing from them via email as promised. They included copies of a receipt claiming it was my signature. Which of course it is not, since I was n't there and it is clear that whoever signed it started writing another name before forging mine. It is not mine. I reported this again to Cap One and again offered to send anything they wanted to show I live and work in the XXXX. I asked them to pull video from teh store because I think it was the cashier that I had told I was leaving the country, who XXXX have done this. They requested that I file a police report. I explained my situation but they insisted. I attempted to file a report on line, but was told I could not do that. I tried speaking to the local and State police who told me I had to be in person to process a police report. I contacted Cap One again and explained, they said they would take my contract as proof that I was out of the country, if I would mail or fax it to them this would all be resolved. Which of course is not easy XXXX but I had it done XXXX first by mail, then when they claimed not to have received itXXXX. I have the receipt showing the confirmation and the correct fax number. I did n't hear anything and contacted them and they claimed they have n't received my fax and closed the case. Again the balance is months overdue and negatively impacting my FICO all this time. I am just completely fed up with trying to work with them. Please help me get this resolved. I am not confident that if I send the doc again that they will actually follow through with getting this matter resolved. What happened to Fraud Protection? They get lots of customers claiming they have this, but when someone perpetrates a fraud against you, they will not work with you. To help them locate me, my DOB is XX/XX/XXXX. There is an existing case and the amount of the activity was around {$300.00} but I beleive they have it up to closer to {$700.00} with fees. I am happy to provide more details if needed. this is either the account numberr or case number XXXX, I also found a note from them indicating the last four of the account is XXXX, so maybe they have shut down the old number.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response