CAPITAL ONE FINANCIAL CORPORATION

2015-05-05

IL

Billing disputes

Credit card:

Complaint: Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-05

MO

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Beyersville, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX of 2015 Capitol One Bank sent me a letter that notified me about my bank accounts being closed. Letter referred to their Rules Governing Deposit Accounts. On XXXX XXXX of 2015 I received another letter from Capitol One Bank saying that they " Had observed activity on a past or presentCapitol One account that is not consistent with their expectations of usage for personal, family or household purposes ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Tomball, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Kent, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

IA

APR or interest rate

Credit card:

Complaint: I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-04

VA

APR or interest rate

Credit card:

Complaint: I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-04

Mabank, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Capital 1 approved my application for a credit card, but wanted {$99.00} down. I gave them {$100.00}. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to {$200.00}. I put {$200.00} on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a XXXX balance. Now I am being harassed XXXX times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. I tried to settle this out with several reps, but they all say the same thing. I have to give them money. Why? It was my deposit and if I choose not to use their card, and I no longer want the card, why are they forcing me to keep this card and saying I owe them? My account was at a XXXX balance when I closed the account. I recently received an invoice that says '' your acct has been suspended ''. What 's up with that? I CLOSED my account and nobody seems to want to hear me. I do n't want the card. I decided that I did n't want this pre-paid credit card, and now they are taking me through a lot of aggravation, especially the non-stop calls, after I told them I am not going to pay another cent, I cut up the card, and want them to stop calling me. This is MY deposit they want, and I have the right to not put another deposit down if I do n't want the card, right?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Columbus, OH

Late fee

Credit card:

Complaint: I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-04

MO

Other fee

Credit card:

Complaint: I applied for a Capital One Quicksilver card on XXXX XXXX, 2015. I read through the terms presented on the webpage before filling out the application. The terms as presented on the webpage stated that there was no membership fee for the card. I received the card and activated it and was surprised to see a membership fee on the listed charges for the card when I set up an online account. I called to question the fee and was told that it was a term for my account. I went to double-check this and saw that the terms listed on my card did list a {$39.00} membership fee which was contrary to the terms presented to me when I signed up for the card. I faxed Capital One on XXXX XXXX, 2015 a letter letting them know that the terms presented to me when I signed up for the card did not state a membership fee and that was the card I thought I had signed up for. I included a print-out of the page I had read with the term listed of no membership fee. I received a response on XXXX XXXX, 2015 in the form of a letter from Capital One stating that they would not waive the membership fee. I called to follow up and was told that there are more than XXXX 'Capital One Quicksilver ' cards, a Quicksilver and a Quicksilver One and that I had applied for the one without the fee but qualified for the one with the fee. I am a very upset that I was misled in this manner by this type of bait-and-switch of XXXX cards with similar names. If Capital One wants to charge a membership fee they need to make it clear in the terms presented when you sign up for the card not just have it appear in the terms that appear once you have already gone through the process of applying for the card. This is a misrepresentation and/or fraudulent conduct as presented to the consumer.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Milwaukee, WI

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-04

Hack, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Houston, TX

Closing/Cancelling account

Credit card:

Complaint: Complaint against Capital one bank : I am a new employee in XXXX with no credit history and applied for Capital One 's secured credit card which requires certain deposit amount to get a credit card, it was suppose to help me build my credit ratings if I use it well. Thus I went to bank branch, applied XXXX with banking officer, provided all the documents and signature which he asked ( SS, DL, etc ) and got it in mail to my address in few days. used it XXXX or XXXX time at gas station, also added auto payment as soon as XXXX statement was available. After a month or so, it stopped working so I called the tollfree number, they told me that account is closed. I was surprised and stunned, I asked why? lady says, we encountered some fraud with your account so we closed it. I requested to transfer me to the respective department who can give me some details, then I was talking to a lady from fraud department with no information, she kept on saying that its closed and we cant tell you anything more. no reason, no justification, no call, no mail or any communication to me. just closed my account. After lodes off discussion, she said I can try to reopen your account if you fax all the documents again, Next day I visited the bank and explained the scenario to the banking officer then he was on call with same department for 45 mins, and asked for my documents, faxed it to fraud department and asked me to wait for 24 hours. Nothing happened for XXXX more week, I called the toll free again and got same answer that your account is closed, if you wish apply again but will not give any information. I asked that at-least let me pay my last due amount so that my credit history is not effected, she says account is closed so you cant pay. I said " what ''????? I tried all possible options and finally writing this complaint out of frustration and disappointment, spent so many ours on phone and in bank with no help, felt so frustrated and demotivated thinking that they will spoil my credit history without my fault. And I do n't have anyone who can help me. I just started my job few months back so I do n't have buck lodes of money to hire an attorney too. Not sure what should I do. Hope this complaint can help me in any way. I am also thinking of talking to a police department since they said there was a fraud and we cant tell you anything, may be they will tell cops.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-03

Brooklyn, NY

Closing/Cancelling account

Credit card:

Complaint: I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Ansley, LA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

IL

Closing/Cancelling account

Credit card:

Complaint: I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Nyc, NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I have been charged a Late Fee on two occasions. In both instances, the payment was made and check deposited by Capital prior to due date. The company has reversed the charges claiming it was a Computer error.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Discovery Bay, CA

Billing statement

Credit card:

Complaint: Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-02

Quartzsite, AZ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Starting in XXXX I started receiving calls from Capitol One regarding my loan for the XXXX XXXX that I am financing through them. I do not remember when we set this up but I was to pay a higher amount per month for XXXX months to get caught up. Well, the phone calls started anyway and XXXX person actually stated that if you are XXXX month behind they will call me. I paid in XXXX the amount they said with a different bank card. I set up auto pay but the bank card I originally gave did not have enough. In XXXX the calls continued and I was told twice I did not pay in XXXX. Well, I started ignoring the phone calls I do not like being called a liar. I paid at the end of XXXX the amount I was given. In XXXX I started a new job and how I was getting paid I could not pay the entire amount I agreed to so I called in and talked to a VERY NICE person. I told the situation and was told, " Go ahead and pay what you can and call back on next Thursday to pay the rest. Which was the first week of XXXX and I did. The calls continued.Then since I was not taking their calls I found the date I paid in XXXX and printed that and mailed to them. I told them after you receive this I will answer your call after XXXX. So I waiting and XXXX evening I answered it. The person on the phone was very rude and when I asked about the letter the response was no letter. When I told what the letter was there was a pause and oh I see that you did pay on the XXXX of XXXX. Then the subject of XXXX came up and according to the conversation I paid the incorrect amount and I still owed {$45.00}. I inquired what it was for the response was, " you just did not pay it. '' I was already lied to about payment and now to me if it was for late payment fine but to be told just did not pay it I will not accept. Then since I paid up to XXXX I thought I was up to date but I guess not. The called continued. I am a former XXXX, I have a completely XXXX that prevents me from walking far at all otherwise I am in excruciating pain. I realized that I kept quitting my jobs because I could stand that long or my XXXX and XXXX prevented me from working. I do not and can not afford insurance and the last time I applied with the state I was told I can not be receiving unemployment well since I work as a XXXX is saying I lied and they over paid me for the week of XX/XX/XXXX and I have to pay that week back. My XXXX medication is {$300.00} every XXXX weeks. Now I a petrified that my apartment complex is going to find a way to evict me and I as of XX/XX/XXXX I have missed XXXX work day as a temporary employee and XXXX days as a part time employee for XXXX XXXX XXXX. Capitol One repossessed my ford on XX/XX/XXXX ( and my regular payment is due XXXX of each month ) which is XXXX month and XXXX day of non payment. I can not walk anywhere with out pain or very far or my XXXX will kick in and I am stuck at the store. I do not like to call my friends to take me back and forth and do not have a Primary Care doctor to fill out a form for XXXX for the XX/XX/XXXX. Please help me.
Company Response: Closed

Disputed: No Timely Response

2015-05-01

Baton Rouge, LA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Allerton, NY

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-01

Bristol, CT

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

2015-05-01

Bronx, NY

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Webbers Falls, OK

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-01

Roseville, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response