CAPITAL ONE FINANCIAL CORPORATION

2015-06-27

CA

Balance transfer

Credit card:

Complaint: On XX/XX/XXXX, I requested a balance transfer from Capitol One for XXXX be paid to my XXXX Store card, because it was charging me interest and the balance transfer was an interest free offer. It was never received XXXX. When I called Capitol on XX/XX/XXXX I was told they transposed the XXXX numbers on the XXXX account. I was told a stop payment was issued and a new XXXX check would be sent XXXX. And Capitol One refunded a XXXX late fee XXXX charged as a result of Capitol One's mistake. After awhile I saw that XXXX still had not received the new payment. I called Capitol one again on or around XX/XX/XXXX. This time I was told that XXXX had received payment and cashed the check but somehow had not credited my account. I called XXXX and they said Capitol One would have to prove they cashed it. So I called Capitol One again and they said I was told the wrong thing by the former rep and that neither checks were cashed! At this point I was so frustrated, I said just refund me the 2% fee and the $XXXX and I will pay off XXXX myself. I was told this could take XXXX to XXXX statement cycles. That was the XX/XX/XXXX! It's the XX/XX/XXXX and nothing has been credited back to my account. My name is XXXX. I can be reached at XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-27

Finksburg, MD

Transaction issue

Credit card:

Complaint: Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years. XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements. Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-26

Quartzsite, AZ

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Jaconita, NM

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Aloha, OR

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Silver Spring, MD

Other

Credit card:

Complaint: On XXXX XXXX I used the Capital One Credit Card payment system to authorize a payment of {$150.00} to my credit card. I discovered on XXXX XXXX, 2015 an un-authorized deduction from my checking account of {$1800.00} taken by Capital One Credit Cards. I have spoken to XXXX customer service representatives. XXXX supervisors and XXXX senior supervisor. They have promised to refund my money within XXXX days since XXXX XXXX and this has not happened. They have also refused to pay the insufficient fee charges {$230.00} that have hit my account for the bills that I had to pay. On XXXX XXXX I noticed the money had not been refunded so I called back to Capital One and was told that the situation was still under investigation and the funds were not released. When I asked to speak to a supervisor I was transferred to XXXX who told me that the funds would be in my account by Thursday evening. I asked if she was sure and she said yes. I told her that I had {$200.00} in insufficient fees on my account and several bills still coming through. At his point my account was now negative by {$1300.00}. She provided another XXXX. XXXX number and asked me to send a statement from the bank with the amount of insufficient fee charges my account had received. On XXXX XXXX I called again and requested a supervisor, I was transferred to Senior Supervisor XXXX who told me that my money is still sitting with Capital One, XXXX week later, because they are trying to see how this happened. I told her to send me money and you all can investigate this on your own while my money is sitting in my account and she said there is nothing she can do. I have a mother with XXXX and XXXX children that I am supporting. Every dime I make goes toward our living expenses. I explained this to Capital One Credit Cards and they do n't feel that this is their problem. I need the money for the insufficient fee charges returned to me. Currently the fees are at {$150.00}. The reason I am writing is to complain, Capital One Credit Card staff have lied to me and given me the " run around for a week ''. Why I should pay a fee for a mistake that Capital One 's system made. It is impossible to enter XXXX payment requests at the same exact time into their system unless you are sitting at XXXX separate computers. Also, if there is an issue with their system I would think ( in this era of hacking that the focus would or should be on determining where the problem lies ). Can you help me get my money back please? Capital One has been highly unprofessional, and condescending. I feel like they think I am a joke every time I call. Their is a problem with their system. This is not a consumer problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-26

Edgecliff Village, TX

Billing disputes

Credit card:

Complaint: i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Quartzsite, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-26

Jupiter, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a vehicle cautiously with the assistance of my co borrower and made it known to the dealer that I was not 100 % sold on the vehicle. I was advised that I could return the vehicle within 30 days for something else if I was not happy with my purchase. I was not happy with the vehicle and returned it to the dealer and received a return receipt. After a couple of months I receive correspondence from the finance company about unpaid debt. I received a further call from the finance companies detective who clarified that the car was indeed in the possession of the dealer who was unaware of its return. I made this known to the collection agent who was servicing the account and forwarded the necessary documents and letter or explanation but the issue was never amended. The debt has been sold to another collections agent who is now harassing me for a debt that does not exist.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Itasca, IL

Customer service / Customer relations

Credit card:

Complaint: I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-26

Manor, DE

Billing statement

Credit card:

Complaint: Dear Sir or Madam : Please post this so that the customers can be warned that the creditors from the credit card industry are dishonest rude unprofessional heathens that are continually adding on all kinds of fees and interest to your balance and charging you for items not purchased on your statement. Number one continually check your statements and beware if your bill is constantly going up every year and never goes down. Also I have been with XXXX Capital One, and XXXX XXXX XXXX, and XXXX and XXXX XXXX since XXXX. My creditors have refused to send me and audited statement from when I first opened the account from XXXX until present, of how many times that I actually used the card and fees and interest added to the account. Then I want to read the numbers and see if my creditors have charged me for cash advance s balance transfers fees etc. The only thing the creditors say is that the account is fine which is a lie from XXXX and send me a few statements from the year XXXX. I am not paying back {$20000.00} dollars.I have called and spoken to staff XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and Mgment from Capital One about the problems of fees and interest with no solutions. Do not close down your account unless you want your credit score to go down on your credit report. The creditors will not tell you this information. You can purchase the book called Debt Cures buy XXXX XXXX out of the bookstore for {$10.00} dollars or a little more. How to deal with the corrupt creditors and Debt collectors get out of debt. The policies are corrupt and designed to keep you in bondage. I have also filed a number of complaints several times with the Consumer Financial Protection Bureau XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX with no answer. I have filed a complaint with the Better Business Bureau and called a number of times to get my minimum payment lowered. You guys did not respond until I had reported my creditors to the Federal Reserve Consumer help complaint online. This is when the Consumer Financial Protection Bureau had finally responded to my request. Capital One XXXX XXXX XXXX and XXXX XXXX have XXXX have lowered my credit limit and constantly charging me for items not purchased and adding on all kinds of fees to the account. I am not giving my creditors any more money until the the balances are much lower or disappear and I get my audited statements and do my own investigation. The general public we should boycott the credit card companies and file reports against them and not pay them there money until they take of the fees and interest and hidden charges of our accounts. March and get them closed down. There needs to be regulations on the credit card companies not to be allowed to continually adding on all kinds of fees and interest to your bill. Every month raise your minimum payment XXXX dollars and more Capital One. I have filed a complaint with the attorney general of Delaware XXXX XXXX XXXX for fraud. There will be XXXX to pay from the XXXX for fraud and taking advantage of the general public and having no programs to help the people and destroying the public. Ms XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Bakersfield, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Laramie, WY

Other

Credit card:

Complaint: My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-26

Crawfordville, FL

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Edgecliff Village, TX

Credit card protection / Debt protection

Credit card:

Complaint: Capital One Bank sent me a new card which i did not apply for. new card number
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Lk Buena Vis, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-26

Bohemia, NY

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: i applied to my bank for approximately the last 20 years capital onebank for a used car loan of approximately {$10000.00}. now I have acredit rating of about XXXX, had over {$30000.00} in my capital oneaccounts, had about {$12000.00} left on an original mortgageof {$130000.00} on which I had made additional principal payments onsince its origination. I was insultingly rejected for a car loan forreasons that made entirely no sense at all XXXX being " too manymortgages '', when I have XXXX and only XXXX and had not had another inabout 30 years. I went to my local capital one bank who could notunderstand the reasoning for rejection just as I could not. it made nosense. even brought it to the manager while I was there and hecould not make any sense out of it, but also acted like he couldcare less. it was after all. only a {$10000.00} loan. well I could not carethen what bank I did my banking with either and told them I willwithdraw all my assets from capital one. I came back a week laterand did just that. the representative asked me why and needless tosay I gave him an earful. I still ca n't believe they would let a 20+year loyal customer just walk for no good reason, but they did. I reported this to the division of banking or whatever and alsoconsulted legal that 's how insulted I was. I now have XXXX and very happhappy but still bitter at my treatment by capital one.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Lakewood, NJ

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Spring Hill, TN

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-25

Louisville, KY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Bronx, NY

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Damascus, PA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Valley Glen, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-25

East Windsor, NJ

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response