CAPITAL ONE FINANCIAL CORPORATION

2015-05-11

Meadow Lands, PA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-11

Lakeview, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Lancaster, PA

Credit card protection / Debt protection

Credit card:

Complaint: Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Palos Park, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

NY

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Complaint: XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-11

Hollis Center, ME

Delinquent account

Credit card:

Complaint: Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Houston, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Capital One keeps calling me on Sunday. I had complained about this nearly a year ago and was told they would not call on SUNDAY. I am not nor have I ever told them not to call at all. I just said not to call on Sunday. It is not legal for them to call me on Sundays!! They are calling yet again on Sunday. They also refuse to remove the charge off from my credit report. They are missing the extension that was done XX/XX/XXXX which was credited to my account and they refuse to correct the charge off. That extension and the {$100.00} extra PRINCIPLE ONLY payment I sent were not applied. They did not apply the extension at all for one, which puts the payment they say was over 120 days under 120 days and therefor can not charge it off. I had made 2 payments with them XX/XX/XXXX and they turned around and charged it off in XX/XX/XXXX with NO notices to me. They say they sent them and even generated some FALSE notices I NEVER GOT. They did not apply the {$100.00} credit I sent for PRINCIPLE ONLY properly, they put it on interest which WAS NOT for interest. They REFUSE to listen to me and correct these things and NOW they are calling again on Sundays!! I am not saying do not call, I am saying do not call on SUNDAY! I am saying they must correct my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Billerica, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: Capital One bank reset the rates on my credit card to 18 % Account # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Palos Park, IL

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Wonder Lake, IL

Arbitration

Credit card:

Complaint: I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

CA

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Madeira Beach, FL

Bankruptcy

Credit card:

Complaint: closed acct under chpXXXX bankruptcy still showing under my XXXX credits bureaus.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-10

Watkins, CO

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. My name is XXXX XXXX XXXX, and I once had an account with Capital One. Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. I appreciate an immediate action to this matter, not months or years. Sincerely, XXXX XXXX XXXX SSN XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

Pacifica, CA

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

Denver, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-09

Denver, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-09

Atl, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

NE

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: On XX/XX/XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XX/XX/XXXX at XXXX XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for Capital One credit card? I currently have XXXX credit cards from Capital one with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for Capital one and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XX/XX/XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if Capital one had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of Capital one kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the first of the month and have bills to pay and now no money to pay them. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

San Gabriel, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-09

Placentia, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

Oak Grove, MO

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: My checking account was debited {$1600.00} for a debt I did n't owe nor was I responsible for.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I would like to make a complaint against Capital One Bank and their other division Capital One 360related to the transfer of my funds from a IRA 10 year CD to a IRA money market account. Around XXXX/XXXX/15 I mailed Capital One 360 the required form for a Trustee to Trustee transfer of the funds from a IRA CD with Capital One Bank that was maturing on XXXX/XXXX/15. On XXXX/XXXX/15 I called Capital One 360 to verify their receipt of the transfer form. They verified having received the transfer form and informed me it was signed, approved, and mailed to Capital One on XXXX/XXXX/15. On XXXX/XXXX/15 I called Capital One to see if they received the paper work from Capital One 360. I was informed they did not receive it and that the transfer form should have been mailed to Capital One not Capital One 360. I argued with the Representative that what she was telling me was incorrect and the form must be sent to Capital One 360 and they must sign it and then forward it to Capital One. She insisted that I mail a copy to Capital One which I did. In addition, on XXXX/XXXX/15, I called Capital One 360 and asked if they could fax the form to Capital One and they refused. On XXXX/XXXX/15 I received a message from Capital One to return their call. I called Capital One on XXXX/XXXX/15 and they inform me that could not accept the form I just mailed them because it was not signed and approved by CAPITAL ONE 360. which is what I tried to explain to the Capital One Representative on XXXX/XXXX/15. At this point I requested to talk to a supervisor at both divisions. After discussing what had transpired in the past it was agreed that Capital One 360 would fax the original form to Capital One today and confirm it by Email to me. Never received any confirmation. I would have expected at least XXXX of the supervisors ( XXXX ) would have folllowed up on my problem. Capital One said they did not receive the form from Capital One 360 because I had the wrong address of Capital One on the form, this is completely FALSE, because I put the address that Capital One gave me and is on all their correspondence XXXX XXXX XXXX XXXX. XXXX. In addition, if it was incorrect Capital One 360 should of corrected it. At this time I have no idea when I will have access to my money. Banks should be penalized for not making customers funds available because of their incompetence. My funds not being available when due has cause me major problems. I have another CD maturing on XXXX/XXXX/15 and because of the new IRA rules requiring trustee to trustee transfers for IRA rollovers. I would like written instructions from Capital One on how to get my money transfer to another institution on a timely basis. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

MD

Billing disputes

Credit card:

Complaint: My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Clinchco, VA

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response