CAPITAL ONE FINANCIAL CORPORATION

2015-05-13

Beyersville, TX

Delinquent account

Credit card:

Complaint: I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Edison, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Milwaukee, WI

Other

Credit card:

Complaint: My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. They lied to me. My score is down. Lender will punish me with higher rate and worse terms.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Federal Way, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Reynolds, IN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Silver Spring, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: please let me know yopu can help me with my credit report fron credit union XXXX they discrimnate me i thinking my creidt is ok iwant to abuy acar let me know you canhelp me thank
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Lewisville, TX

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Albion, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Akron, OH

Billing disputes

Credit card:

Complaint: Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Itasca, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Seneca, SC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

Aurora, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Washington, DC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Poplar, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Avondale-goodyear, AZ

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Crabtree Valley, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-12

Tucson, AZ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: having less than perfect credit I accepted a auto loan from capital on auto finance in XXXX 2011. at the time I was making fairly decent wages and accepted the loan terms of 25.99 % interested on a {$34000.00} loan monthly payments of {$480.00} per month however into my third year prompt and timely payments there was a decline in my health I contacted Capital One and asked about refinancing my loan and was told that they did n't refinance their own loans. soon after I was forced to retire early due to health issues and had to apply for SSI and of course my income was less than half of what I was making when I was working. I call Capital One and informed them of my circumstances and was told by a representative that I can apply for the hardship program and to qualify all I had to do was miss two or three payments unfortunately I took his advice only to find out that I would not be able to qualify until I paid down on the loan so I struggled along trying to make the {$480.00} payments. after another year I applied 4 times for the hardship program and each time I was told that I did n't make enough money to qualify even with may Son 's contribution of {$750.00} per month. this has been very stressful and I am doing everything possible to pay this off and maintain my health. DESPRETLY NEED HELP!!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Tubac, AZ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-12

Delinquent account

Credit card:

Complaint: Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-12

Agua Dulce, TX

Other

Credit card:

Complaint: Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Bedford, TX

Closing/Cancelling account

Credit card:

Complaint: My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Clinton, MD

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-11

Kissimmee, FL

Cash advance fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Grover Beach, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response