CAPITAL ONE FINANCIAL CORPORATION

2015-07-07

Franklin Lks, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Washington, DC

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-06

Greggton, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Lacey, WA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Schaumburg, IL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Camas, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Austin, TX

Credit card protection / Debt protection

Credit card:

Complaint: I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. Please process this complaint and have it corrected. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Brandy Station, VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: We initiated a transfer of funds from our Capital One 360 account ( formerly ING XXXX Checking ) to our Capital One checking account. There was an error during the online transfer, per the website. The money came out of the 360 account, but never made it over to the Capital One checking, i.e. now it is nowhere ( except in the Capital One Bank account for lending, of course ). The transfer was initiated on Thursday, XXXX XXXX. We have called the bank XXXX times through today, XXXX XXXX and still no resolution. We still have no access to our money, and the bank continues to tell us it will be fixed. Also today, Capital One Bank initiated another transfer of funds from our 360 account TO the Capital One Checking, they say in an attempt to fix the original problem. This transfer also did not hit the Capital One account and is now nowhere. This was NOT a correction since it was the wrong way, they took MORE money from the 360 account, not a reversal of the original. We did NOT give the bank permission to take this money from our account and now it is also gone. We consider this a matter of theft on the part of the bank, and fully expect a criminal investigation. We were told on Friday, during our XXXX call to the bank the the problem was wide-spread for all transfer on Thursday. This should be considered a class action suit along with the criminal suit and I encourage everyone involved to pursuit as we are.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Long Island City, NY

Delinquent account

Credit card:

Complaint: I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-06

Bay Point, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Orion Twp, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Northside, NC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-05

Bywood, PA

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-05

Green Bay, WI

Customer service / Customer relations

Credit card:

Complaint: I am really wondering what is going on and/or not happening? By this to simply state, is there any reason credit card solicitors need to shove scout companies at me and probably any other citizens? These evidence in question is merely the demand to place exceedingly high interest rates on our citizens, mainly at young folks and those who are so down and out. It seems as though the clause is to be of " a hand of aid '' or to word pre approved of which in testing that water it is not pre approved at all. Now to look the fullness of request, what is thee protection against over taxing? Therefore, espionage in these credit companies need to be slapped in thier power and greedy faces. How dare these credit card folks angle in this country to prey apon the needs of our youth. How dare these credit card folks go after our veterans. How dare these credit card folks call their conduct a freedom to do what ever they want plus change the rules. To benefit themselves. How many of these credit card folks are unionized to call it " keeping it in the family ''. All terms that do not lay out in fair business practices and respects our Americam Values should be in question. Most of all, women attacking other women. Labeling of citizens without definite causes as in calling people forgetful, stupid, and incapable. Disrespect of our older citizens. No regards for life. Now do you see the full problems. How can anyone just snoop as another angle to attack a citizen? Who runs these credit card companies? I have heard some acceptable phrases on groups of creditors as being shroud, determined, and effective when this is all a form of AGRESSORS OF POWER. So, again why does it need to be complains about when espionage is obvious. You need to get on the real issues at hand. If not then you are apart of espionage and power channeling out of greed yourselves. AMERICA 's debt is interest groups accomplished gains. Not American at all. I have all ready told XXXX creditors they need to fix thier problems not attack thier customers. How difficult is it not to bring minds together who are exposed to the effects of debt and gain insights for solutions? What causes debt is not always over spending either. Who does not grasp that XXXX. It also is the lack of life in all people. It amazes me that after a full days work for a paycheck folks go home and lay around. No sense of being involved in how to save money at all. So I am not trying to be over stating the fullness of debt problems but start finding ways to communicate to adults that life is not all partying this town I reside in has absolutely no drive for life other than pay someone to do the work outside their work place. Because we only work for a paycheck and This is foreign mindset big time. Punishing people like they are children is not appropriate either. Creditors do not see slander in what this credit rating scoring really does. XXXX sees ID theft I see defamation of character to place on what is not happening. Stacking on high interest rates as a punishment is senseless all around. XXXX. I will be sending this compliant to the Governor of Wisconsin who is and has been bombarded with many unaddressed concerns, Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-04

Oceanside, CA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-04

Gloucester City, NJ

Delinquent account

Credit card:

Complaint: informed this company to cease all collection calls and communicate thru US mail
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-04

Finksburg, MD

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-04

Fairfax, VA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-04

Odell, OR

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-04

Cordova, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My wife and I purchased a 2006 Jeep Grand Cherokee XXXX in XXXX, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for {$33000.00} with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ {$920.00} monthly.That comes to a total of $ XXXX.I have every Statement, Notice and letter that was ever sent to me and I WILL MAKE IT AVAILABLE TO YOU UPON REQUEST.Capital One confirmed and I have all my receipts for 57 payments of {$920.00} which is a total of $ XXXX.Now they have marked my credit as CHARGED OFF and show NO PAYMENTS ON THE ACCOUNT AT ALL.They also have the Balance owed at $ XXXX.This caused my credit to fall over 200 points, making it Impossible to buy a car to go to work, or help my Son get a car.I have had it with this Company and only want to go to work and be a productive citizen.I have been getting all news feeds from the CFB since the day that you opened your doors, and I have confidence that the CFB can mediate this situation and make Capital One realize that they can not take advantage of people in this way anymore.Thank you Very, Very Much XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-04

Warrenton, VA

APR or interest rate

Credit card:

Complaint: Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-04

Clayton, MO

Billing disputes

Credit card:

Complaint: My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-03

Evansville, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-03

South Florida, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-03

Garrett Park, MD

Advertising and marketing

Credit card:

Complaint: I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.
Company Response: Closed with explanation

Disputed: No Timely Response