CAPITAL ONE FINANCIAL CORPORATION

2015-06-08

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-07

Wilmington, CA

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-07

Pacific City, OR

Customer service / Customer relations

Credit card:

Complaint: I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-07

Flint, CA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-07

Queens, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-06

Aliso Viejo, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-06

Cypress, TX

Credit card protection / Debt protection

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-06

Camp Hill, PA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-06

Anaheim, CA

APR or interest rate

Credit card:

Complaint: Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Clark, WY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Bradenton, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Fredon, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Ft Belvoir, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

IN

Other

Credit card:

Complaint: Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Garrison, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Astoria, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Brookside, NJ

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Phila, PA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-04

Wonder Lake, IL

Other

Credit card:

Complaint: This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Lakewood, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Bristow, VA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-04

Binghamton, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Capital One has violated these laws, as explained below : Consumer Financial Protection Act, FTC Section 5, Truth in Savings Act, Electronic Funds Transfer Act, Maryland Consumer Fraud Protection Act. Capital One forced open our safe deposit box and liquidated its contents without notice to us. Through mishandling, they lost the contents. They insisted that they forced the box open because we did not pay the rental fees. In fact, our checking account was set up such that the rental fees were automatically debited from the account each year. At some point, due to a security concern, we changed our checking account number. Capital One failed to link the new account number to the safe deposit box, which is what led to the perceived nonpayment. At no time did Capital One give us notice that there was an issue with the fees, nor did they give us notice when they forced the box open and liquidated the contents. Our box contained irreplaceable jewelry that my parents purchased for us as wedding gifts from XXXX. As is common in XXXX families, these pieces of jewelry have incredible tangible, not to mention, sentimental value. The box also contained some legal documents concerning my uncle 's estate, which are irreplaceable and difficult to re-execute, considering he lives in another country. Capital One claims to have sent the property to the Maryland Division of Unclaimed Property, despite that documentation the bank itself provided to me showed that nothing but " miscellaneous documents '' were sent, despite also giving us an inventory showing that the box contained several pieces of jewelry. The Division has conducted exhaustive searches and has confirmed that it never received, nor does it have, any of our property from Capital One. Rather than address the merits of our claim, Capital One has been " searching '' for our property for nearly a year, with no success. We have impressed upon them that the injury was inflicted when they failed to link the new account number to the box and failed to give us notice, but they continue to attempt to shift the blame to the XXXX. Capital One has further indicated that they do not believe we ever signed up for automatic debit form our account to pay the box rental fees. However, they in fact debited our account for the fees for approximately XXXX years. If they do not believe we had signed up for automatic debit, then debiting our account without our consent constitutes a violation of the Electronic Funds Transfer Act, 15 U.S.C. 1693a et seq., as well as the NACHA rules. We sued Capital One in federal court on an individual basis. Again, rather than address the merits, they chose to fight us on jurisdictional grounds. This is what prompted us to file a class action in Maryland, to fight for our rights and those of others similarly situated. Ultimately, the bank will have to address the merits of our claims and those of others. It puzzles us that the bank wo n't simply admit that they did something wrong, and chooses instead to force consumers to jump through hoops like this, when it is their own wrongdoing that is in question. We have attached the relevant pleadings for your review, which contain a more detailed description of Capital One 's offenses.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-04

MA

Other

Credit card:

Complaint: My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Port Chester, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response