CAPITAL ONE FINANCIAL CORPORATION

2015-05-21

CA

Credit line increase/decrease

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. ( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. So I am so disappointed what they made the decision regarding my credit card Limit increase request. I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. I need a fair resolution this issue as soon as possibleThanksXXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Fort Madison, IA

Other

Credit card:

Complaint: Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Rochdale, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Heer Park, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Moore, OK

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Fairfield, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

West Covina, CA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-20

Havana, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Woodland Hills, CA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Burlingame, CA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Gastonia, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Franklin Lks, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Missouri City, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-20

Orange, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Piedmont, SC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

NE

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I sent a financial hardship letter to Capital One Corporate Office on XXXX XXXX, 2015. At that time, my balance was {$1400.00}. This includes late fees and interested. XXXX XXXX responded from the office of the President on XXXX XXXX, 2015. I spoke with him over the phone as well. XXXX XXXX placed my account into their repossession department, froze my access to my account online, which does not allow me to view the payments that are being applied to my account. In his letter, the balance that I was told was past due is {$1700.00}. On XXXX XXXX, XXXX XXXX also told me that my loan was too new to do anything, plus the value of the vehicle was not worth enough to work with me on lowering the interest or the payments. When I contacted the number that he provided, I was told that my balance was {$1900.00}, and that my loan was suspended. In order to prevent the vehicle from being repossessed, I had to pay a settlement amount of {$440.00}. I paid this amount, and asked what was the remaining balance. They could not provide an immediate response. Each time I contact Capital One, the balance is going up, and they are not applying my payments! I am being taken by interest and late fees. I spoke to an XXXX over the phone this past Thursday, I made a payment plan with her, however, she refused to provide anything in writing showing what has been paid, what is owed, and what is charged. She did say that she is forwarding the payments that I have made to the appropriate department to make sure that they are being applied. My payment history is as follows : XXXX/XXXX/15 {$440.00}, XXXX/XXXX/15 {$300.00}, XXXX/XXXX/15 {$370.00}, XXXX/XXXX/15 {$650.00}. Currently, I have paid Capital One {$1700.00}! It is astounding how I still owe them {$150.00} from now until XXXX! Where is all this money going? Why do they keep going up on my balance? This is the most awful company that I have EVER had to deal with. They are leeches to the core! I would recommend them to no one. I am waiting for the day to not have to do business with them, but meanwhile, I am doing the best that I can to repair and maintain my already damaged credit. I need straight answers from them now, or, I will have to see legal counsel.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Petaluma, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Richton Park, IL

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

CA

Customer service / Customer relations

Credit card:

Complaint: I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

San Gabriel, CA

Advertising and marketing

Credit card:

Complaint: I XXXX that happens to be a Corporation. I wanted a new credit card that I could use for expenses XXXX vendors, etc. ) that would offer high acceptability and rewards. I opted for the Capital One XXXX for XXXX, that offers 2 % cashback on all purchases. Like the other XXXX accounts the corporation has, it requires a credit check for both myself and the corporation. The other XXXX accounts, XXXX with XXXX and XXXX XXXX, all report only to the Business entity, since it is a corporation and is treated as a separate person. In applying for those XXXX lines of credit, they show up as a 'hard ' credit inquiry on my personal credit, which was XXXX understood and assumed. However, the Capital One credit card shows up on XXXX on the business entity and my personal info. Highly unusual, but as I understand, legal ( especially when considering my excellent credit ). I informed them of this perceived inaccuracy and they assured me this is their standard practice, to dual report on all businesses, regardless of type XXXX sole prop, llc, corp, etc. ). Unsatisfied, they transferred me to a kindly young lady named XXXX at executive account resolution. Over the course of approximately 3 weeks, she was unable to provide any written disclaimer stating this was the practice of Capital One. As of today, she directed me to a statement that is located on the XXXX Bullet Point of the section titled " Additional Terms and Conditions '', which states that we ( I and the business ), " Authorize the receipt and exchange of credit information on XXXX the Business Signer and the Business, including the exchange of information between Capital One and affiliates ''. This is not a disclaimer relevant to my concern. If it had been known to myself that dual reporting to the XXXX credit agencies was to be expected, I would not have applied or accepted this credit offer. I suspect strongly that this is not easily solved- not for a lack of being complicated, but for a lack of stubbornness on Capital One 's and the credit bureaus. I have not contacted the Bureaus since they have not done anything wrong.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Wrentham, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Las Vegas, NV

Closing/Cancelling account

Credit card:

Complaint: on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

NC

Delinquent account

Credit card:

Complaint: I have a Capital One credit card that I rarely use. XXXX made an unauthorized charge to this account on XX/XX/2015 in the amount of {$38.00}. I do not receive paper statements and I was n't aware this charge was made due to the fact that I do n't use this credit card much. I was called XX/XX/2015 and was left a voicemail on my home phone from Capital One. I went online to see if I could understand what they were calling about. I immediately saw that my card was showing past due and I called Capital One to see what I should do. They said that I should work it out with XXXX XXXX XXXX first before filing a dispute with Capital One. I called XXXX XXXX XXXX about the unauthorized charge. They apologized for the charge and agreed to refund the full amount back to my card. They refunded the full {$38.00} on XX/XX/2015. I called Capital One back and they said they would take care of the late charges and interest. They also said I would n't be reported late to the credit bureau. I happened to notice my credit score dropped around XXXX points. Capital One did report me for being XXXX days late for an unauthorized charge made to my account. I called Capital One again and they said I would have to file a dispute to correct this and that they could n't do anything to help me. I asked to be transferred to the Credit Reporting Department, and I was put on hold for XXXX minutes just to be told that I could n't be transferred to that department. I was originally informed from Capital One from XXXX different employees that I would n't be reported late. This incident really leaves me with little respect for Capital One. Bottom line, I am being penalized as the consumer that was originally considered to have excellent credit to poor credit after a circumstance happened that was outside my control.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Columbus, OH

Overlimit fee

Credit card:

Complaint: My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

MO

Bankruptcy

Credit card:

Complaint: Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.
Company Response: Closed with explanation

Disputed: No Timely Response