CAPITAL ONE FINANCIAL CORPORATION

2015-05-24

Atl, GA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-24

Discovery Bay, CA

Customer service / Customer relations

Credit card:

Complaint: I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-24

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-23

Swiftwater, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-23

Medford, OR

Billing disputes

Credit card:

Complaint: In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

Houston, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-22

Gary, IN

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Glendale, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Houston, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-22

Allenwood, NJ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Grover Beach, CA

Payoff process

Credit card:

Complaint: My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Garrett Park, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Deltona, FL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Apple Valley, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Athens, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Peekskill, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2015-05-21

Oakland, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-21

Cleveland, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2015-05-21

Andersontown, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Milford, CT

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Memphis, TN

Other

Credit card:

Complaint: Capital One account XXXX became late in XX/XX/XXXX. Seven year removal of this account was in XX/XX/XXXX. Capital One still has a chargeoff on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Pacific City, OR

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Ashburn, VA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-21

Ogema, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

La Tijera, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response