CAPITAL ONE FINANCIAL CORPORATION

2015-05-07

East Rockaway, NY

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Paducah, KY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Caspiana, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Herriman, UT

Late fee

Credit card:

Complaint: I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-06

Stafford, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Patterson, MD

Closing/Cancelling account

Credit card:

Complaint: I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. Please see attached documents for details.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

N Tonawanda, NY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Montgomery, AL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Katonah, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Daily phone calls, no messages left. Calls start at XXXX and continue until XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Grand View, ID

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-06

Katonah, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

City Industry, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Beach Haven West, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Old Round Rock, TX

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Raymond, NH

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Mt Pisgah, IN

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Sacramento, CA

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

2015-05-05

Newark, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Old Round Rock, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

SC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. Phone : XXXX. Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Saint Charles, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Charlotte, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XX/XX/XXXX, I was disputing late fees on my XXXX limit capital one account and was having a very difficult time. This went on for three months until the account was late 90 days XX/XX/XXXX. At this time Capital One added XXXX in fees as late fees/collection fees/attorney fees, and refused to work with me. XX/XX/XXXX, they charged off XXXX, so the account was at a XXXX balance. They can not charge off an account, take credit for this on their taxes and still show this balance that I owe. This would be fraud. The XXXX has continued to grow until today it is at XXXX. They do this to show my credit use at XXXX % of limit which destroys my credit score, so I will pay the XXXX. Again if I do pay this and they charged it off, that would be fraud on their part.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Marina Del Rey, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response