CAPITAL ONE FINANCIAL CORPORATION

2015-06-14

Round Rock, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-14

Columbia, SC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-14

MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-14

Queens, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-14

MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-13

Bayway, NJ

Credit card protection / Debt protection

Credit card:

Complaint: I have XXXX credit cards with Capital One Bank. They say they have a fraud protection department but I have been fraudulently charged at least XXXX and never contacted by them. The XXXX incident occurred XX/XX/XXXX when XXXX of my cards was charged about XXXX times by someone who charged between {$50.00} and {$150.00} each time over a XXXX period using several foreign banks. Just by chance, I discovered the charges and took the information to my local Capital One Bank branch. They agreed that fraud had occurred and immediately contacted their main office. Granted, over the course of time most of my money was returned but why was I never contacted by the Capital One Fraud Department? And more importantly why was I never put on a watch list at Capital One as a client where fraud has previously occurred ; had this been done perhaps the XXXX/XXXX incident would never have occurred. In this day and age such a list is important, as an example Homeland Security just yesterday informed me that my personal information had once again been compromised. I regard the Capital One Bank Fraud Department as a terrible service! The next time occurred XX/XX/XXXX when XXXX ( XXXX ), a company that specializes in fraud charged to XXXX of my credit cards. When first contacted by XXXX I was looking for some training plus they knew I had made some recent investments. In retrospect I should have asked where they found out I had made an investment but it has been reported on TV news that banks such as Capital One make lots of money selling this information. At any rate I agreed to the training which had been tailored to my needs. The XXXX salesman said he had sent me by e-mail ( he already had this info ) a copy of the training service that we had just discussed and asked me to sign it. Under the pressure of him still on the line " my bad '' is signed his e-mail. Later I found out that the email had very little to do with training but was a contract where XXXX promised nothing but a QC Code and a Virtual Platform both available for FREE on the internet. So I agree I was scammed by that XXXX move but surprised by the reaction of Capital One Bank. When I agreed to the Training from XXXX I used XXXX of my Capital One credit cards but it had limited funds. I informed XXXX of this fact and explained that only {$1400.00} could be charged at this time and since this agreement was only for training that when this amount had been used up that perhaps I would have additional funds for use to complete the training. After the fact, I later discovered that XXXX had again contacted Capitol One Bank and they agreed to allow an additional charge that overran that card by {$1100.00}. When I contacted XXXX XXXX, assigned by Capital One to operate on their behalf, she informed me by letter that " even if there is not enough available credit on a credit card that Capital One may honor transactions above the credit limit! '' She also stated that " Capital One complies with all Federal Guide Lines '' and that these guidelines are " fair to both the card member and the merchant! '' Since Capital One make a lot of money by charging the cardholder for overcharges this to me is clearly a " conflict of interest '' and totally not fair to cardholder. Never did I give either IR nor Capital One the right to make this XXXX charge, I have asked XXXX to provide me a document signed by me allowing Capital One without impunity to make such charges and so far has refused this request. I have also contacted the XXXX ( XXXX ) about this matter and of course they protect their subscriber. The XXXX advertises that they " inform the consumer about the practices of their members. '' The problem here is that they charge companies to be a member of the XXXX and do n't want to loose paying members. This is a complete " conflict of interest! '
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-12

Coppell, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Neptune, NJ

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-12

Wind Point, WI

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Point Arena Air Force Statio, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Chicago, IL

Cash advance fee

Credit card:

Complaint: On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-12

Hemet, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

NY

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Phoenix, AZ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

WI

Customer service / Customer relations

Credit card:

Complaint: I applied for a Capital 1 card in XXXX of 2014. Received XXXX invoicewhich I paid on time every time. Did n't receive an invoice, calledthem & found out my account had been hacked. They gave my cardand info to someone else. {$1300.00} worth of charges. They didcredit me, yet the Fraud Dept was horrible ... ... .this dept needs fixed. Man was rude and never called back. I called over XXXX times.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-12

Sm, KS

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I owe Kohls some money and I cant afford to pay it back and they are calling my XXXX year old widowed mother constantly. I do not live with her.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Odell, OR

Closing/Cancelling account

Credit card:

Complaint: I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-12

LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Sanders, KY

Other

Credit card:

Complaint: WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Humble, TX

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-11

Belle Haven, CT

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Lebanon, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Arleta, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Colts Neck, NJ

Billing disputes

Credit card:

Complaint: I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.
Company Response: Closed with explanation

Disputed: No Timely Response