CAPITAL ONE FINANCIAL CORPORATION

2015-05-08

Clifton, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Heathrow, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-08

Chicago, IL

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-08

Lancaster, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Fort Worth, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Santa Ana, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Fontana, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Niverville, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-08

Galeville, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Foothill Ranch, CA

Credit determination

Credit card:

Complaint: Capital One has wrongfully reported credit bureau information. Despite numerous telephone calls they refuse to fix this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Boardman, OH

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Redondo Beach, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Baltimore, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Warrenton, VA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Dallas, TX

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-07

Rosenhayn, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Skanawan, WI

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

2015-05-07

LA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: XXXX XXXX XXXX are collecting an alleged debt for Capital One Bank and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed XXXX XXXX, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! Because I can not seem to get anywhere with XXXX XXXX directly, this is my next line of action. I have also provided XXXX XXXX with an Affidavit showing that the Capital One card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

El Sobrante, CA

Delinquent account

Credit card:

Complaint: Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Superstition Mtn, AZ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XXXX/XXXX/15, I was readying to fly back XXXX ( see XXXX ) for a close family member 's funeral and stayed at a hotel at the XXXX airport. Before leaving, I hired a dog sitter and her friend ( who had been referred to me by people I knew ) to watch my XXXX dogs at my home, collect my mail, and take care of my plants. I had given this person the key to my house. On XXXX/XXXX/15, I fly to XXXX, and did not arrive back to XXXX until late evening of XXXX/XXXX/15. When I arrived back home, I realized that my debit card had been used to make approximately XXXX purchases from my checking account with Capital One 360. I immediately called and stopped my debit card, but since I had been gone for over a week, did not know what had gone on. Since this has occurred, I have fought with Capital One tooth and nail, and even though I have sent Capital One a notarized affidavit of the XXXX charges not being mine, a copy of my itinerary, and a police report, they have continued to question each and every charge, making me send them the exact same paperwork for each and every single charge, eventually, finding in my favor for all charges, except for XXXX, which is the reason for this complaint. There was a charge for {$410.00} made on XXXX/XXXX/15, ( also when I was still in XXXX ) made through XXXX Online Catalog, ordered with next day delivery. Please note that I am a customer of XXXX, but have never ordered online or through their catalog ; I have always gone straight to XXXX of the XXXX stores available to me in the XXXX area! In addition, I had a credit from XXXX which I had just received in the mail a few days before I left, and which was sitting out on my desk by my computer for 40 % off. This coupon was used by the woman who also used my card. I suppose the bank found this somewhat strange that the person who used my debit card would also used this 40 % off coupon. However, I think that she was probably just trying to buy as much merchandise as she could with my debit card and therefore used this coupon as it was just sitting there, unfolded and open! I went round and round with Capital One about this charge, and XXXX of course disputed this. I asked Capital One how they could find that all the other XXXX charges were not mine, but that this one was?? THe other thing was that this item was sent by XXXX with no signature required??? That is strange in itself. The delivery slip ( attached ) says that the deliveryman was " met by a woman ''. That 's impossible because I was gone all day on the XXXX of XXXX, 2015, as I had medical tests scheduled XXXX miles away in XXXX. I did not take delivery of this XXXX item, however the woman I hired was told to leave my housekeys under my mat ( I have since changed my locks ) and they were there when I arrived home early evening on XXXX/XXXX/15. Attached to support my claim are all of my discussion with Capital One 360, police report, XXXX dispute, delivery page of XXXX item with no signature, and my itinerary showing I was out of town until XXXX am on XXXX/XXXX/15 and then not home the entire day of XXXX/XXXX/15! Capital One has refused to see my point of view on this claim so not am I only out {$410.00} for an item I never got, but I am also unable to use the XXXX Credit for 40 % off which is rightfully mine and was used by this woman while I was Back XXXX for a family funeral. I want my complaint forwarded to the Department of Banking for further handling and to cause Capital One 360 to return my monies of {$410.00} to me, as I did not do this transaction and did not benefit from this transaction.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

PA

Customer service / Customer relations

Credit card:

Complaint: We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Douglas, MI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Listed on my credit report under adverse accounts is Capital One Bank. I have never opened or paid or applied for this account. I am a victim of identity theft.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-07

Stkn, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Arco, CA

Delinquent account

Credit card:

Complaint: I 've had two different instances where Capital One did n't process my payments within 30 days even though it was received within that time and STILL decided to report it to the credit agencies as a 30 day late payment.
Company Response: Closed with explanation

Disputed: No Timely Response