CAPITAL ONE FINANCIAL CORPORATION

2015-06-03

Glyndon, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Manor, DE

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Pearl River, LA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Campbell, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

OH

Other

Credit card:

Complaint: yes i contacted the XXXX about capital one bank about i cant afford my high card payment every month.cant make the full payment each month???? have not heard anything back from capital one bank on credit card.my paymeny XXXX a month.im XXXX years old XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Reading, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Scottsdale, AZ

Customer service / Customer relations

Credit card:

Complaint: There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. Thanks for your time, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

San Diego, CA

Cash advance

Credit card:

Complaint: Recently XXXX less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. " XXXX '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate XXXX and then they would go to the highest interest rate charges after all of the other balances were paid XXXX. This is totally unacceptable and potentially criminal! So what they are telling me is that I will be paying 30 % on the cash advance until I pay my entire balance in full?!? I told the rep that what he was saying was wrong and he proceded to tell me that they ( Capital One XXXX WOULD not help me. I have already been charged XXXX separate {$10.00} cash advance fees, which I understood and acknowledged before I made the withdrawals, but what he is saying was rediculous! I told him that I was going to report them to a government agency, and he was very rude and still very unhelpful. I am certain that there are laws prohibiting credit card companies from doing this. Please advise me of my rights in regards to thisThank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Rochdale, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Ft Belvoir, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Colts Neck, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Lena, OH

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Hon, HI

Billing disputes

Credit card:

Complaint: I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Rochdale, NY

Advertising and marketing

Credit card:

Complaint: Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. This corruption and misleading information with Capital One 's reporting to this Federal agency.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Madeira Beach, FL

Closing/Cancelling account

Credit card:

Complaint: Acct closed on XXXX 2009 and still showing on my XXXX credits bureau.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Davis, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Belle Haven, VA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Flowery Br, GA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

La Sierra, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-01

VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, XXXX, I wanted to look the loan. The lender again quoted several rates and XXXX different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 days.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

SC

Billing disputes

Credit card:

Complaint: Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-01

Crest Hill, IL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.
Company Response: Closed

Disputed: No Timely Response

2015-06-01

AK

Billing disputes

Credit card:

Complaint: I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.
Company Response: Closed with explanation

Disputed: No Timely Response