CAPITAL ONE FINANCIAL CORPORATION

2016-11-15

San Diego, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/16 I requested that a wire be sent from my checking account at Capital One to XXXX XXXX XXXX XXXX ( a fully licensed New York State virtual currency dealer ). I had previously sent a wire to the same company XX/XX/XXXX. This time however, the wire was never sent and when I contacted the bank they indicated that my accounts were frozen. Over the next few days I placed numerous calls to Capital One and was directed to either the security dept of XXXX, both of whom have hold times of over an hour. I spent a total of approx 6 hours on hold over a 2 day period only to learn that my accounts were being closed because the wire I requested was being sent to a company which deals in XXXX, a virtual currency. This prohibition is not in their terms & conditions nor in any other pulished material provided by the bank. Apparently Capital One bank considers bitcoin a threat to it 's business model and sees fit to keep people from spending their own money how they see fit. I was annoyed, but it is what it is. I requested that Capital One please transfer the balance in my accounts to my linked account at XXXX XXXX. They said it may take a couple days, but that they would do so. Additionally, they said that I would receive and email detailing why my accounts were closed. That conversation occurred on XX/XX/XXXX. I have tried to follow up many times but the bank has actively avoided speaking to me about the issue. I have been disconnected multiple times while holding for the dept who would be able to provide answers. If it occured once or twice, I would accept that it was just a disconnect ... but when it occurs 5 times and ONLY when I am holding for the XXXX XXXX Dept., then the chances of it being random are astronomically low. They are currently holding approx {$10000.00} and have given no reason for the siezure nor any indication that they will ever return the money. There has been no levy, garnishment, tax siezure or anything of the sort. I have not committed fraud nor am I under investigation for anything ( though I guess if I were, I would n't know about it, would I? ) As far as I know, they can not sieze depositor funds at will with no reason provided. I would like my money please
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Lk Buena Vis, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Kohls/capone On XXXX/XXXX/XXXX I sent Koihls Department a Debt Validation Dispute letter because on my credit account it stated Derogatory acct # XXXX of which I owe {$770.00}. sent it certified Mail Return Receipt requested.Post Mark received on XXXX/XXXX/XXXX. However during the period of days, I received Some bill Invoices correspondence No acknowledge or Debt validation response has come to my attention, They did n't put on my credit report that the acct is disputed.I have sent another letter, waiting the 31 days, I sent another XXXX Disputed Debt validation on XXXX/XXXX/XXXX. But even on the second dispute Debt Validation letter all I received was statements Invoice Bills again with a letter stating they receive my dispute here are invoices to refresh your memory. a week or so passed when I received a envelope with a second letter stated the same date XXXX XXXX, XXXX some more invoices of Bill statement. On Credit check Total which provided you with all XXXX credit bureau on XXXX/XXXX/XXXX its staes Kohls/Capone. on XXXX Charged off as bed debt disputed resolve, reported by grantor. that is false and is in violation, putting words and falsifying, I never had contact by phone or correspondense by me. XXXX was in dispute- now resolve, another lie and violation, I never even spoke.reported by subscriber. unpaid Bal. charge off as a loss by credit grantor XXXXcharge off acct.All I received from Kohls were bills invoices and No acknowledgement of debt validation.I never reported resolve I 'm still fighting this collection. this is a violation of them stating this matter is resolve when it isnt. I would like to know who done this.On My last Bill sent to me as a bill invoice statement it states balance XXXX on XXXX XXXX, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Irving, TX

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-15

Ft Belvoir, VA

APR or interest rate

Credit card:

Complaint: I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Bellaire, TX

Late fee

Credit card:

Complaint: I recently applied for a Cap One card- because I wanted to establish a form of credit, to begin a successful record to reflect responsibility from a consumer/customer. I received the card, after paying {$50.00} for it, w/an available balance of {$200.00}. I charged up the {$200.00} and looked forward to paying my monthly fee, going forward. I paid my first payment online on XXXX/XXXX/16. At the same time, I signed up for auto pay, to make electronic payments for the min amount, easier than remembering to pay each month. However, on XXXX/XXXX/16, I sat around waiting for the auto payment to be deducted. I checked online, I checked the app ... on XXXX XXXX, I saw that I was charged a late fee for non payment. I immediately called the company. I called to close the account completely & I was prepared to pay off the whole balance, as I was upset that this occurred. I explained to the CSR that I was signed up for auto payment, and that there should have been a payment deducted from my account, that would avoid any late fee. I explained to the rep. That I had no desire to be in credit card late payment trouble & debt over a {$200.00} credit card & it simply was n't worth it. I explained that I 'd go ahead, pay the balance to close the account. I requested my {$50.00} refundable deposit. I expressed to him my disappointment in having to deal with these issues, a month into owing a card that I only applied for, to help me instead of hurt me more. The rep then explained to me that it would not reflect negatively on my credit report, and that one late fee does n't usually cause your credit to take a dive. He expressed that he would refund the {$25.00} late fee, accept my payment over the phone & personally get me signed up for auto payment, so that I would never have this problem again. I accepted his offer to waive the fee, as well as to sign me up, based on his confident promise, that by him personally signing me up ; I 'd never ever have this problem. He assured me & promised me over and over on the phone that if I kept the account, he was personally making it right- and then he went through the steps to sign me up. After-which, he guaranteed me again, by reading the disclosures, verifying/confirming information regarding what I wanted to pay each month {$25.00}. He confirmed the actual dates that it would be deducted XXXX of each month. Before he closed the call, he reminded me that on XXXX ; my first auto payment of XXXX $ would be deducted from my XXXX Bank account. He stated one final time that I was signed up, all was clear and that an auto payment going forward would be effective immediately, and he added that he 's already refunded the late fee. On XXXX/XXXX/2016, Once again, a repeat. I sat around the XXXX, XXXX, XXXX ... waiting for the auto payment to come thru ' thinking perhaps because of the weekend, that it would come in on Monday Morning, XXXX XXXX, 2016. However, it never did. What came to me, was an email stating that my account payment is past due & that I owe XXXX $ late fee, in addition to the Monthly min payment of {$25.00} ; bringing my current amount due, to XXXX $ I called the company. Upset that I 'd gone through all that in XXXX, only to turn around and go through it again ; I explained the entire case to the new CSR. This time, the agent refused to accept the amount that I actually owed, unless I consent to paying the late fee and wait on my reimbursement. When I refused to pay an additional XXXX $ for their error, on top of what I agreed to pay, the company immediately placed it on my credit report within 24 hours. Refusing to accept the min payment that I actually owed. Cap One, so basically, you 're refunding the late fee of XXXX , taking responsibility because you know it 's your error that there 's a XXXX $ late fee, which caused the min payment due ; to rise to XXXX . But, you 're not willing to take my payment unless I absorb the cost of your mistake first? XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-15

Eagle Rock, NC

Other

Credit card:

Complaint: I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-15

East Windsor, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-15

East Windsor, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-15

CA

Billing disputes

Credit card:

Complaint: I paid my total outstanding balance by a check, dated, XXXX/XXXX/16 ; received a statement today saying I was past due and charging me a late fee and interest. I called, they said they still have n't received payment. I sent the check with the preprinted address and window envelope. Where is the check, where is the payment that I made?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

IA

Transaction issue

Credit card:

Complaint: I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Flushing, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-15

Havana, FL

APR or interest rate

Credit card:

Complaint: I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Cataldo, ID

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

GA

Customer service / Customer relations

Credit card:

Complaint: I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Jersey City, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Orland Park, IL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Camp Springs, MD

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

Bow, NH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Hammond, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Buck, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Lowell, AR

Delinquent account

Credit card:

Complaint: Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-14

Cornelius, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

OR

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. I called Corporate Office a third time and they were closed. 360
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Glendale, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: originally in XXXX I received a call from capital one indicating I had a balance over XXXX $ on my account. I went through my accounts with capital one and informed them that I did not own that account and that it is a fraudulent claim. there calls are recorded for quality assurance and they should be able to pull up the recorded calls. I advised them I had no knowledge of the account. the representative said she will investigate and call back. few months later my employer received a wage garnishment issued by the courts regarding the account I was called about. my employer advised me that she was to honor the court report to fulfill the court order. I filled out the financial statement presented to my employer and weekly there were sums of weekly XXXX $ collected in addition XXXX $ weekly for debt assessment fee. Now they are claiming that I still owe {$2100.00} and they are claiming that they will continue my wage garnishment until another XXXX weeks. based on the statements provided the attorney have paid themselves and later started paying against the judgement from XXXX XXXX of XXXX I have been paying out of my paycheck and still the attorneys are claiming that I still owe them money on an account I had never used nor had any knowledge about. I am requesting that capital one send me the original agreement with my signature indicating this is my debt. They are harassing me through my employer with continuous wage garnishment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Atl, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response