CAPITAL ONE FINANCIAL CORPORATION

2015-06-16

Juniper Hills, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Arco, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Merrick, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-16

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-16

Evesboro, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Caldwell, NC

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Austell, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Austin, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-15

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Atl, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Arlington, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Round Rock, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Seneca, SC

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Val Verde, TX

Credit line increase/decrease

Credit card:

Complaint: I have been an excellent Capital One multiple credit card account holder customer for many years and I have always conducted the best of what is expected as a client with this bank and handled my accounts always in a positive and excellent manner of operations but I am contacting and filing a complaint against Capital One after I have notified and tried to resolve my issue with them for quite some time. I have asked for a credit limit increase on my accounts and they will not grant me my requests month after month and has been close to XXXX years or longer on some of my accounts. They send me a reply back explaining why and the reasons are not justified. I will enclose proper documentation as well with this complaint. I have never been late on my accounts and I have never been over the credit line or missed any payments. I have used my accounts a lot and I pay them on time as well sometimes even several weeks ahead of payment due date and frequently more than once in the same billing period and I have made well above the minimum payments that their last denial of credit line increase saids I was n't making the more than the minimum and yet I can show that as well is incorrect. I feel like I am being discriminated with Capital One on not getting the same services that other good account holders have access to. I show excellent responsibilities on my accounts that should warrant no denial for credit line increases and additional spending power that I should be entitled to as the next person. I have XXXX account with them and XXXX of the XXXX are paid in FULL and have XXXX balances since XXXX 2014 and they still decline credit limit increases on these accounts as well. They have no real excuses but send me bogus if not random computer generated responses that show no merits to what they declined me for and if not at least being discriminated then perhaps a huge error in their approval for such request should be noticed and investigated into. I have all supporting documentation to show my concerns here and I have even contacted Capital One about this issue several times and they seem to over look and or not seem concerned about my complaints and questions. The last complaint was about a week ago and they said their RESOLUTIONS DEPARTMENT would call me and of course this proved to be false and I never heard anything back from Capital One as they said I would in XXXX business days of initial complaint filed. Capital One should not be allowed to treat me differently for whatever their criteria is if they are not following the same business practices with everyone else that is holding the same standards of account responsibilities and should not be allowed to pick and choose who is entitled to privy rewards and who is n't when regardless that both parties take good accountabilities on their credit card accounts. My status is excellent with the way I handle my accounts and they do not have any real reasons NOT to grant my requests when I ask for them. They send me their reasons to why I was not approved by these reasons can be justified and proven that it is n't so. This is not right and should not be tolerated from a business that can not be diligently fair and reasonable with every account holder with fairness and unbiased and non discriminatory when making decisions and should be viable and legitimate reasons for declined of such asked requests when requested by an account holder such as myself. Telling me that I was denied due to low monthly payments on my account when their minimum is {$45.00} and I am making {$160.00} payment does n't not see too low minimum payments and I always pay at least XXXX the asking monthly set Capital One billing in addition even with XXXX accounts paid in full they still do n't have a valid reason for not granting my request. This needs to stop and be investigated at once. Thank You
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Fairfax, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

MA

Billing disputes

Credit card:

Complaint: I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Sm, KS

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Lafayette Hl, PA

Other

Credit card:

Complaint: I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Jersey City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX called about " a '' XXXX XXXX, about a Capital One account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a Capital One account, incorrect last XXXX digits of the social
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Lecoma, MO

Billing disputes

Credit card:

Complaint: I requested a new credit card from Capital One after having repeated issue with the billing department XXXX. Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number". Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day investigation would place the charge back on my credit card if XXXX states I owe it. To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Brooklyn, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: on XX/XX/XXXX i made acheck payable to, XXXX XXXX for avehicule loan XXXX is stating that they havent received the payment this was back on XX/XX/XXXX 1 month going back and fourth to, the branch the money was deducted from my acount even that the check was alter capital one corrected the amount but XXXX saying havent received the payment there for XXXX is charging me late fees for apayment that i sent and capital one is not responding for the funds deducted on my acount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Spring Hill, FL

Customer service / Customer relations

Credit card:

Complaint: I made a payment of {$1500.00} over the phone to my Capital One credit card using a debit card as a form of payment on XXXX/XXXX/15. The payment cleared the debit card on XXXX/XXXX/15. However it never appeared on my Capital One credit card. I called several times about this issue and it 's still not resolved. Sometimes I had to be on hold for XXXX hours (!!! ) Finally they told me that they sent me a letter asking for the routing number and account number of the bank where I would like to get refund. However, I never got this letter. I called again and they took this information from me over the phone. Anyway, it has been more than XXXX weeks and it seems like Capital One is not going to refund my payment. Please see a debit card statement with cleared payment attached. My other complaint is that Capital One closed this card about a month ago stating that they did n't like the way I use it. I only did few purchases online for about {$2500.00} total and my card was closed. I have not violated any rules and I really do n't understand why they closed it. I used to have another card from them previously which I rarely used and it was also closed for no reason. If they do n't want people to do certain type of purchases - they should inform customers first about that instead of closing cards.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Leeton, UT

Credit determination

Credit card:

Complaint: I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Houston, TX

Customer service / Customer relations

Credit card:

Complaint: I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.
Company Response: Closed with explanation

Disputed: No Timely Response