CAPITAL ONE FINANCIAL CORPORATION

2015-04-06

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-06

Boston, MA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-05

Sarasota, FL

Closing/Cancelling account

Credit card:

Complaint: Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-05

Bowie, MD

Credit line increase/decrease

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-05

Astoria, NY

Credit determination

Credit card:

Complaint: I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-05

Arlington, CA

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-04

CT

Other

Credit card:

Complaint: I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-04

Farmingtn Hls, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-04

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over XXXX hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try to pay the bill at the last minute. The company has limited hours to help with these problems. Their web sit does not allow you to reset a pin ( if the web site did work which it does not ). When you contact their service representative, he is insulting and unhelpful. He implies it is your fault for not being able to use their system properly. Capital One sends information about how easy it is to pay your bill, but their system is not usable. There is no way to pay your bill. I have just now received a letter from them that we can pay be online, by phone, and by mail. I was told by the customer service rep that I could not pay by phone until the system was set up. It looks like I am suppose to pay by mail as my only option. I do not have any confidence that they will correctly process my mail payment. So I guess I need to use certified mail which adds expense that exceeds the amount of money that I was suppose to save using their loan. I can not express to you how strongly I feel that this is an unethical company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-04

Amarillo, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-04

MD

Closing/Cancelling account

Credit card:

Complaint: I have XXXX credit card accounts with capital one. Earlier this year my husband and I were really struggling due to lose of income. Along with the stress of low income i had a sister sick with XXXX, a mother suffering with what could posablly be XXXX, and a mother in law who is both physicaly and mentally XXXX who also lived XXXX to XXXX hours away depending on traffic who needs us up there quite often not to mention my husbands an only child. I also work full time in a very demanding job with an equally demanding boss so between my streeful job and personnel life i was finding it difficult to keep up and remember absolutely everything and knowing at the time I was only able to afford to make the minimum payment on both credit card accounts i took the initiative to call capital one and set it up to were they just automatically took out the minimum due out each month on the credit cards until I could afford to do otherwise. A few months later I reseved a letter in the mail from capital one stating that I had not paid on my accounts in months and they were about to close me out. In shock and upset I called capital one only to find out that they had already closed out both of my accounts. I tried to explain to them that I had spoken to XXXX of there represenitives and had my payments set up to be automatically taken out of my bank account each month that there must have been a horable mistake made all I got from them was my accounts have been closed out and that there was Absolutely nothing they or I could do to reopen them and nothing they could do to help me. Devistated and in tears I tried to look online for other capital one departments to call for some help with my situation but no matter what department I tried to call it always just took me back to the original department that I first talk to who refused to help me. At this point in time I have paid XXXX account off in full and current stuck making payments to an account that I ca n't no longer use and my credit score that I have worked so hard to rebuild has been greatly effected all because capital one a company who I have been a loyal customer and until this payment arrangement screw up I have always paid on time to on both credit card accounts since I got them 2 years ago refused to help or even hear me out. I will take fault in the fact that I should have paid better attention to my bank statements and made sure the money was being taken out as arranged but I do n't feel that I deserve to have both of my accounts closed out and my credit that I was working so hard to rebuild ruined over an unfortunate misunderstanding. I was n't even given the chance to plead my case even though it was there company 's screw up and did n't follow threw with our payment arrangement. I would like to have the chance to be heard and have the possibility of having my accounts reopend and to not have all my hard work be for nothing I think that 's the part that bothers me the most. At this point I feel hopeless that I will get any cooperation from capital one and pray that you can help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-04

Washington, DC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. Please help me find out what is going on.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-04

Hinsdale, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: capital one cc says I owe XXXX for a credit card I never opened..i used to have a card XXXX years ago, but filed chapter XXXX bankruptcy since then.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Dallas, TX

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-03

Altamonte Spg, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Rahway, NJ

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-03

Mc Kinney, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

NY

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. See attached documents.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Oxford, GA

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Complaint: A debt collector from XXXX XXXX at phone number ( XXXX ) XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from Capital One. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of XXXX XXXX simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

Corpus Christi, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-03

Crestwood, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-02

Aslo, MN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Peachtree City, GA

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Arlington Heights, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-02

Humble, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response