CAPITAL ONE FINANCIAL CORPORATION

2015-06-01

VA

Billing disputes

Credit card:

Complaint: Using my Capital One credit card, I ordered flowers from XXXX to be delivered to my mom on XXXX 's Day. The charge was {$52.00}. My mom said the flowers were not delivered to her. I tried to dispute the charge with Capital One. At first they refunded the charge but later they added the charge to my account without my permission. They used some flimsy excuse that the merchant ( XXXX ) submitted the charge again. Capital One sent me some meaningless papers that does not prove the flowers were delivered to my mom or anything else. I do n't know how to prove that something was not delivered. When I complained to Capital One, they closed my account ( they do n't like customers who complain ), but the charge of {$52.00} remained.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Chicago, IL

Other

Credit card:

Complaint: This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-31

Cols, GA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-31

Chico, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-30

Tubac, AZ

Bankruptcy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-30

Martinsville, VA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-30

Corpus Christi, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-30

Saint Paul, MN

Privacy

Credit card:

Complaint: My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-30

Piedmont, AL

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-30

Atlanta, GA

Billing disputes

Credit card:

Complaint: i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-29

Jacksonville, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Balch Springs, TX

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Rock Hill, SC

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-29

Colville, WA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Elmhurst, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Los Angeles, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

WI

Other

Credit card:

Complaint: I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. Then, they called me AGAIN at XXXX about the same thing!!! I AM BEING HARRASSED!!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Stafford, VA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Rock Hill, SC

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-29

Gwinner, ND

Delinquent account

Credit card:

Complaint: When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Brooklyn, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

VA

Billing disputes

Credit card:

Complaint: Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Festus, MO

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Lowell, MA

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Penn Hills, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response