CAPITAL ONE FINANCIAL CORPORATION

2015-05-19

Newnan, GA

Credit determination

Credit card:

Complaint: In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Finance provided a statement regarding erroneous 30 day lates on my credit report and attached a transaction history of my payments covering the time period in question. In their response Capital One states that the purpose of an extension is to keep the account current, catch up on payments and avoid negative impacts on credit. However, on that log, in regards to the XXXX 2012 payment extension ( the payment I needed extended ), Capital One mistakenly entered in that I could get an extension if I paid {$790.00}! This is a gross error because {$790.00} would have made the account current and there would not be any need for a payment extension. For example if someone asks for more time to payback {$100.00} and the XXXX owed replies " Sure, just give me {$100.00} and I 'll give you more time '' that would be deceptive and insincere. Similarly, Capital One Auto 's response as demonstrated by their own records is equally unfair and insincere. I only needed XXXX 's payment to be extended ( due to a financial hardship ) for my account to be free from any 30 day lates and the extension granted in XXXX 2012 should have happened in XXXX 2012. Capital One made a mistake. The proof lies in the transaction record which Capital One Auto Finance provided. In XXXX, XXXX, XXXX, XXXX and XXXX 2012 I only made the normal payment required, nothing additional. I had not done anything different since missing the XXXX 2012 payment, yet I was contacted in XXXX 2012 by Capital One and the rep told me that my extension was going to be processed and that I did not have to make any additional payments. Since I had n't made any additional payments, why is it that in XXXX XXXX when my account was a month behind ) I was n't required to pay anything more than XXXX 's payment of {$400.00} but in XXXX I was being required to pay {$790.00}? This again proves my point which is that I only needed XXXX 's payment of {$400.00} to be extended. Also, if I could have paid {$400.00} in XXXX then I would not have needed an extension. Somewhere between XXXX and XXXX, Capital One finally corrected the problem and my account was back in good standing but they penalized me for the error that occurred on their end. The attached statements clearly prove that the Capital One representative who entered the information regarding the XXXX 2012 extension simply made a mistake. The individual from Capital One Auto Finance who provided the attached transaction log, failed to notice and correct the discrepancy. As such my credit report must be immediately corrected and updated by removing the 30 day lates from Capital One Auto Finance on my credit report. The data furnisher has also failed to correct the error within the statute of limitation set forth by law and, according to the FCRA, also constitutes the immediate removal of this errant misreporting. Attached is the transaction log which is below the insufficient response from a Capital One representative who clearly ignored the facts evidenced by the records she supplied.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Foothill Ranch, CA

Billing disputes

Credit card:

Complaint: I have a Capitol one card. Had a balance of around $ XXXX and paid it off. Next month received bill for {$89.00}. Called company again and the csr said he will waive it. Received notice that my payment is late and they charged me another {$30.00} in fees. Called csr again and said that the previous csr did not waive anything. Told them I have never been late and I would n't have been if I was not lied to. Said they could n't help. Asked for supervisor and was put on hold for XXXX minutes and hung up after that. Called again and same issue was put on hold for XXXX minutes and all of sudden hung up on. This company is a rip off and I am getting no where with them. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Rncho Domingz, CA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: After clearing up any and all outstanding debts that I had, as well as, educating myself with my finances, I ran all XXXX credit reports and understood what I was looking at. I ran my credit report in XXXX and immediately sent all the companies on my report with incorrect debt information and my name listed on debts that are not mine. I requested a formal response to prove the account was mine. Capital One replied many discrepancies with XXXX separate letters dated on XXXX XXXX, XXXX. On the credit report it states " my account '', that I do not recall, was charged off with a balance of {$250.00} with CAPITAL ONE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXXBut then states in the letters ( Letter XXXX ) dated XXXX/XXXX/XXXX, account ending in XXXX, ( stalling tactic ) that they are asking me for the information that I had already given them in my original letter that was mailed by certified mail. I can include that letter to you that shows all the information was already stated on the original letter. the ID on this letter they sent me is XXXX and requesting me to mail them back AGAIN. The XXXX letter dated XXXX/XXXX/XXXX Ref # XXXX with Acct ending in XXXX states they are informing me that this account has been sold to XXXX XXXX with a balance of {$450.00} and for me to contact them. And the ID on that letter is XXXX have never made any payment to Capital One for any credit card in XXXX, XXXX or XXXX and I wanted proof that this account was indeed mine. The amount said due and the credit limit as well as what I am saying that I owe do not add up. I am stressing out over these letters which show me that they can not validate this account and that there is possible fraud due to a credit card that I do not own. I have spent a large amount of money trying to clear these debts that are not mine, and have been to the doctor repeatedly for the other conditions in which have been affected by these debt stresses. I can not sleep and hope this can be cleared. Please investigate this and inform me of what else can be done. I have sent the company my social, ID, copy of the credit reports and capital One is requesting it again and now says I need to contact other companies in which they are listed on my XXXX credit reports. Listed on all three credit reports by Capital One. Date Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDDate Updated : XXXX/XXXX/XXXXLast Payment Made : XXXX/XXXX/XXXXOriginal ChargeOff : $ XXXXPay Status : & gt ; Charged Off & lt ; Terms : Paid MonthlyDate Closed : XXXX/XXXX/XXXXHigh Balance : High balance of {$390.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$450.00} from XXXX to XXXX/XXXXCredit Limit : Credit limit of {$300.00} from XXXX to XXXX ; {$300.00} from XXXX to XXXX/XXXXEstimated month and year that this item will be removed : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Staten Island, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Detroit, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Houston, TX

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Jacksonville, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

Ashville, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-17

Fort Worth, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-16

Gretna, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-16

NJ

Billing disputes

Credit card:

Complaint: i rented a car with my credit card which has rental car insurance in XXXX 2015, in a supermarket parking lot some unknown person scraped the rear fender. the charges for repair came to {$300.00}. i filed a claim with the credit card co. I have filed all the infomation they have asked for XXXX, I have mailed the info and also faxed it to their claims dept. each time I have received a form letter asking for the same infomation that I have already sent them.I have spent many hours on the phone with them and each time getting told that a claims examiner will review my claim and get in touch with me, no one has ever called!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Houston, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Alta Hill, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Fort Washington, MD

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-15

La Jolla, CA

Billing disputes

Credit card:

Complaint: -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try to pay for state XXXX with my cap one ccard it gave me a pop up Action not complete check information so I did, retry upon seeing all my info correct XXXX..on XXXX attempt gave me error msg a code XXXX? And taxslayer number. I called they closed Date XXXX XXXX. I was curious so I ckecked my cap one mobile app there Showed XXXX pending for XXXX from taxslayer. Called taxslayer try automated system to see if taxes were Filed. NO NOT FILED! Call my ccard company sd all my info is correct and will call taxslayer tomm with me online And get charges removed. XXXX XXXX I call XXXX rep at taxslayer and she was unable to help refused talk to ccard company she suggest that to push XXXX charge threw and rest will fall off 3to5 days if not I responsible to submit bank statements. .I told rep do not push any charge threw for tax not filed .At this point I ask for management. Talk to XXXX she refused talk to ccard company was rude about it and suggest same thing to force a charge and the other XXXX pending will fall of XXXX at this point I told her NOT to push anything threw I will use a different company and ended conversation with no resolution for me. I immediately sent email to taxslayer support to speak to upper management I was upset about the way XXXX conducted business. Later I was contacted by XXXX upper management and I told her the situation at this point she advised me that XXXX charge had been pushed threw intentionally for XXXX by XXXX. Thats when things turn for the worst, I advise her to listen to call and that the charge was unauthorized and in spite or harassment from XXXX she agreed to listen and call back. Charge was made but tax not filed it about there bottom line!! XXXX XXXX XXXX call Claims that it was not clear about forcing charge and she apologized about XXXX rudeness and said that she sorry that XXXX refused my ccard company. XXXX did get XXXX of charges removed on conference with my ccard company but will have to refund the forced charge. I could not believe that upper management was covering for management. I am seeking Other party at company to review call and they will hear that I clearly said not to force any charge! XXXX and XXXX have broke XXXX serious violations and the call needs to be reviewed by the owner XXXX. I have been advised to seek a answer from XXXX XXXX XXXX to the audit of phone call and results thanks XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Maxwell Afb, AL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Los Indios, TX

Customer service / Customer relations

Credit card:

Complaint: I responded to an offer for a credit card through Capital One, somehow they used my wife 's Soc Sec number instead of mine, the issue was that when I reported it, they suspended the card due to fraud.To resolve it, all I needed to upload a few documents documents to their site to remove the restriction, I had no problem with that and complied on or around XXXX XXXX, 2015. I have called XXXX times spending over an hour to try to resolve the issue and was promised issue would be resolved within a couple of days. I really have no use for the card and have a XXXX balance. My real complaint is that in order to cancel the card, the suspension needs to be removed, all I have to do is call them again and spend another hour to see if they can remove the suspension. I will probably do that, but I feel that this type of service needs to be reported. I still have not been told how my wife 's social security appears on the account, instead of mine. I can understand putting a hold while it gets resolved but I ca n't stand the type of service that keeps telling you to call a specialist who is on XXXX/XXXX, spend an hour on the phone with that person, and getting nothing done.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Stkn, CA

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Mdn, MS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

AL

Other

Credit card:

Complaint: Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Patterson, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I/we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Taft, OH

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX of 2014, I responded to an Auto Finance pre-approval notice from Capital One and was approved through your Blank Check program. All document work was done electronically. In addition I have had phone conversations with supervisors in the Loan Origination, Loan Processing, Collection, and Customer Service Departments. In the course of these months I have had XXXX different TILA statements and been given XXXX different explanations to my loan terms. The loan was approved on XXXX XXXX, 2014 for a range of {$7500.00} to {$23000.00}. Before an exact amount had been determined, I received a blank check and a TILA statement that assumed the loan would be for {$23000.00}, with XXXX payments of {$740.00}. The same document explained that I could lower the payment by extending the term to as far as 60 months. On XXXX XXXX, I spoke with XXXX at XXXX and requested that the term be extended to 60 months ; she approved my request and confirmed receiving the remaining document to complete the process of using the Blank Check. I negotiated a purchase price of {$18000.00} and made the check to XXXX in that amount. I received a " welcome packet '' from Capital one on XXXX XXXX. The loan terms were not presented in the usual TILA format, but showed a loan of {$18000.00} for 36 months with payments of {$570.00}, and APR of 7.22 %. The XXXX payment was due XXXX XXXX. I called Capital One on XXXX XXXX, XXXX, and XXXX and explained that I had requested the loan term to be extended to 60 months. I then received a " Modification to Loan Terms. '' Again the terms were not in the usual TILA format, but set out that loan term would be 60 months with payments of {$480.00} and APR of 8.1 %. It did not state an effective date. I signed the modification on XXXX XXXX and faxed it to the listed number on the same day. On XXXX XXXX, I called to make my XXXX payment and spoke with a representative who told me they were working on my modification. I paid {$480.00}. I called to make my XXXX payment by phone. The automated system told me the amount due was {$570.00}. I spoke with a customer service representative, explained the modification, and was told someone would look into it and get back to me within 2 days. No one got back to me. Since XXXX, my payments of {$480.00} have gone automatically from my checking account. In XXXX I got a dunning notice, saying my account was past due. I called on XXXX XXXX, and spoke with a supervisor ( XXXX ). She told me she was unsure what was going on and that she would get back to me if more detail was needed. I have never heard from her since. I continued to make the {$480.00} payments and continued getting dunning notices. On XXXX XXXX, I called Capital One after XXXX and spoke with " XXXX '' I still received the same details in reference to my payment, so I asked to speak with a manager. He told me no one on the management team was available to speak with me, and was only available between XXXX and XXXX. I called again on XXXX XXXX and spoke with a supervisor " XXXX. '' She told me she would have to get with someone in Operations and find out what was going on. She would call me back, I 've not heard from XXXX. I called again in XXXX and spoke with XXXX XXXX on the XXXX. He reviewed the account and said he did n't see the modification agreement in my file. He said he saw notes discussing the change in terms, but not the document. That was the XXXX time anyone had told me they did not have the Modification Agreement. He asked me to re-send it to him and he would talk with " XXXX, '' the Operations Manager, to see if anything else was needed. I refaxed the Modification Agreement to XXXX on XXXX XXXX. That afternoon he called and confirmed he had received it and was waiting for someone to get back to him. On XXXX XXXX I received a letter saying a mistake had been made on the TILA disclosure in the XXXX XXXX Welcome
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-14

Maplecrest, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response