CAPITAL ONE FINANCIAL CORPORATION

2015-03-31

Chicago, IL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-31

Allerton, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Katonah, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-31

East Rockaway, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Los Nietos, CA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Corona, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Barre, VT

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-30

Moraga, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Carson, MS

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: In XXXX I refinanced my XXXX Mortgage Loan that originated in XXXX. I paid XXXX all required fees to complete this process correctly. Today I am selling my house and will lose this sale because XXXX failed to close the XXXX Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this XXXX loan now in XXXX! Capital One took over XXXX. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on XXXX/XXXX/XXXX because Capital One can not complete this request minimum 10 days to 3 months. The lawyer has provided the loan number and all necessary documentation! I can not believe with today 's technology that Capital One will not fix XXXX 's error within a timely manner! This should have not happened since it was suppose to be completely in XXXX and I paid all required fees and signed all required paperwork making it was done correctly. I am not getting any help or a person or person 's name that can help me with this time sensitive manner. The only response I get is an automated email saying they received my request! Capital One is not too concerned that the bank they took over collected fees and did not do the work. In other words they stole my money. Should they have legally provided services for something that was paid for and paperwork was done to complete the request.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

CA

Customer service / Customer relations

Credit card:

Complaint: I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Cadwell, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Ft Lauderdale, FL

Unsolicited issuance of credit card

Credit card:

Complaint: There 's a credit card in my name that I have no idea about it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Chester, NY

Credit card protection / Debt protection

Credit card:

Complaint: This is not a duplicate case. Please escalate this to a supervisor or manager. Here is a copy of my complaint submitted to the CFPB. RE : Capital One Spark Business Credit Card. 1 ) My credit card issues rewards 2 %, There is no record of redeeming any rewards ever, and my rewards balance is XXXX. When I contacted Capital One about the rewards, the ignorant person did not understand the problem. Capital One has stolen my rewards. I am missing a few hundred dollars in rewards. 2 ) I told capital one that they merged my personal bank account with my business bank account and they have different tax ID numbers and they refused to separate the XXXX accounts. They are currently merged. I told capital one that XXXX tax id 's should require XXXX separate username and passwords and the ignorant customer service did not understand the problem even when I requested to escalate the problem. 3 ) Capital One has not changed their Customer Service system and it is impossible to contact anybody for assistance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Three Bridges, NJ

Other

Credit card:

Complaint: Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. On XXXX XXXX, 2015, I called Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I emailed Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I sent a letter to Credit Customer Service via US postal service. I have made multiple calls to Credit Customer Service to inquire on the status of my check. Last week, I spoke to a Credit Customer Service Supervisor named XXXX who took my information and promised to call me back within 24 hours. He did not ever call me back. On XXXX XXXX, 2015 I emailed XXXX Customer Service about my refund check. I was told I would be getting a personal response within 24 hours and still have not heard back. I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. XXXX. If you have a credit balance on your account, you can keep it or write your issuer for a refund if the amount is more than one dollar. Your card issuer must send you a refund within seven business days of getting your request. If you do n't ask for a refund and you do n't make any other purchases for more than six months, the issuer must make a good faith effort to send you a refund.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX, XXXX has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt. Documents proffered by XXXX XXXX XXXX, XXXX are insufficient to validate the alleged debt. Capital one and by and through XXXX XXXX have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me. They are doing this to many others as well have made billions doing so in the worst of economics. Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings. They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time. I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories. Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015. Capital One Bank on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights. XXXX XXXX XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ). The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value. Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Allingtown, CT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-29

Forrest City, AR

Other fee

Credit card:

Complaint: I have an open account with Capital One Bank with a credit limit of {$1000.00}. ( Information : My credit limit was {$10000.00} with Capital One Bank, but after getting a cash advance for {$5000.00}, my credit limit was reduced to {$1000.00} ). During XXXX 2015, I had a balance of {$11.00} on my credit card account. On XXXX XXXX, 2015 my personal banking account was debited {$11.00} by Capital One Bank from a check I wrote to Capital One Bank. After debiting my account, I now have a zero balance with Capital One Bank. I have not used the card since having a zero balance. On XXXX XXXX, 2015, I received a billing statement from Capital One Bank with a " Renewal Notice '' that I would be charge {$59.00} for a " Annual Membership Fee ''. In the statement Capital One Bank " urges '' that I avoid paying the Annual Membership Fee by closing my account. I have basically, XXXX complaints. Number XXXX : Why am I being charged a {$59.00} Annual Fee with a zero balance, when I have a " Excellent '' credit rating, while other card holders are being charged only a {$39.00} Annual Membership Fee. XXXX I do not want to close my account. Closing my account could affect my credit rating. At any rate, I prefer not to close my account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-29

Beyersville, TX

Payoff process

Credit card:

Complaint: Due to identity theft, I chose debt consolidation over bankruptcy. Capital One account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Capital One has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-28

Viewfield, SD

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-28

PA

APR or interest rate

Credit card:

Complaint: In my XXXX communication with Kohl 's I had requested a lower APR and their response was i could n't get one based on their terms. Their terms do allow for a lower rate. In my XXXX communication I tried to confirm their ability to offer a lower rate and was told I did not qualify.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-28

Branford, CT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-28

Laurel, NY

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Baltimore, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-27

Queen Anne, WA

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response