CAPITAL ONE FINANCIAL CORPORATION

2015-04-07

Columbia, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Madison, TN

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-07

Williamston, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Phoenix, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Cordova, TN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-07

Gurnee, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Untimely Response

2015-04-07

Medford, OR

Credit determination

Credit card:

Complaint: I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-07

Sandwich, MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

MN

Late fee

Credit card:

Complaint: I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Schuyler Falls, NY

Billing disputes

Credit card:

Complaint: I called Capital One on XXXX XXXX, 2015 about a bank error resulting in my account being rebilled in error for {$1000.00} on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. He confirmed it was a bank error and told me he would resolve the issue one the same day by issuing me a credit. After waiting on hold and being disconnected once, XXXX transferred me to his supervisor XXXX ( Agent ID XXXX ). XXXX told me that she would not resolve my issue, but would forward it to a department that could. She stated that it would take 30 days for me to receive a credit for the error. XXXX stated she was unable to issue a credit for the mistake or to send me a message or email confirming that the issue would be resolved. I also wrote a secure message to Capital One on XXXX XXXX, 2015 requesting resolution to the error, and received a generic reply on XXXX XXXX, 2015 referring me to a telephone number for the disputes department. I called Capital One again on XXXX XXXX, 2015. I was transferred to the dispute department and spoke to XXXX. She told me again that it would take 30 days to get a credit, and stated she could not provide a message or email confirming that the issue would be resolved. I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. Here is a list of the transactions related to the original charge and culminating in the charge made in error. XXXX/XXXX/2015, XXXX XXXX XXXX, {$1000.00} billedXXXX, Contested Charge, {$1000.00} creditedXXXX, Charge Refunded by Merchant, {$1000.00} XXXX, Credit Rebilled, {$1000.00} billedXXXX, Credit Rebilled Again, {$1000.00} billed
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Austin, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-07

Seneca, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. Thank you for your prompt attention to this matter, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Altama, GA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-07

Cayce, SC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-07

Juniper Hills, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Trust of XXXX XXXX XXXX XXXX XXXX , Ca . XXXX ( XXXX ) XXXXRE : Capital One Bank, N.A. XXXX, Texas XXXX XXXX - Bank Relationship ( XXXX ) XXXX Option XXXX Acct. # XXXX Opened : XXXX XXXX XXXX Trust to XXXX XXXX XXXX - COMPTROLLER of THE CURRENCYDear XXXX am XXXX XXXX , the G-Grand-Daughter of the Late-XXXX., my g-grand-father XXXX XXXX XXXX opened this bank account in about XXXX - XXXX with wife XXXX XXXX XXXX XXXX XXXX XXXX made a DEED of TRUST with his XXXX ( XXXX ) children. His XXXX son XXXX XXXX is my grand-father, XXXX XXXX had XXXX ( XXXX ) child with wife XXXX XXXX my father XXXX XXXX XXXX, married my mother XXXX XXXX XXXX they had XXXX as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX ( deceased XXXX/XXXX/XXXX ), XXXX XXXX and XXXX XXXX. There are no other grandchildren for XXXX XXXX XXXX or XXXX XXXX and no other children for XXXX XXXX XXXX. Please help me get to the truth about this Trust. I walked in Capital One Bank on XXXX/XXXX/XXXX, I gave an XXXX lady my name and she says we have been waiting on you for a long time. Takes my brother XXXX and I into an office, asked for my social security card and driver 's license. XXXX XXXX waited on us. XXXX XXXX said she had to leave now. XXXX XXXX proceeded to transfer XXXX XXXX XXXX the original bank account into a new Trust Account in my name under my social security number with bank # XXXX. XXXX gave me a lot of paperwork. I, XXXX XXXX signed a UNIFORM XXXX-PARTY OR MULTIPLE PARTY ACCOUNT SELECTION FORM NOTICE, to open this account. I put {$500.00} of my own money into the Capital One Bank on XXXX, XXXX, I made a wire transfer from my bank XXXX into acct. # XXXX of Capital One. The transfer went through but before Capital One closed for business that day they rejected the {$500.00} and closed the bank account. I was told by XXXX XXXX that I can not put money into this account. Why? It 's a High Yield Checking Acct. I put money into the account after I read the Banks paperwork which stated there has to be {$1000.00} in the account at all times. Capital One is funneling all of the monies from this account into another Capital One Account. My XXXX XXXX XXXX XXXX told me before he died that the bank was stealing all of the money from the Oil, Gas, Timber, Minerals and other materials and rare minerals from our land, and he wanted me to go there and get it. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my daddy told me that the bank has my name, XXXX XXXX. My daddy took me to the XXXX before they merged with Capital One Bank when I was XXXX years olds, that was in XXXX. This bank account has been opened for over a XXXX ( XXXX ) years with multiple leases for land, gas, oil, minerals, and allowing people to build homes on our property. I have many deeds that I received from the County Records in XXXX County, Texas. Please audit this account at Capital One Bank so that my family can find peace of mind from all of this money thief. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-07

Manhattan, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-06

Houston, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Manteno, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Darnestown, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-04-06

San Antonio, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-04-06

Memorial Square, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Converse, TX

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Yeagertown, PA

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-06

Nyc, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.
Company Response: Closed with explanation

Disputed: Yes Timely Response