CAPITAL ONE FINANCIAL CORPORATION

2016-11-14

OH

Other

Credit card:

Complaint: The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$750.00} and on XXXX/XXXX/2016 for {$120.00} On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$2500.00}, on XXXX/XXXX/2016 a rebill for {$4000.00} and on XXXX/XXXX/2016 a rebill for $ XXXX.for a TOTAL OF {$8200.00}. I want capital one to honor my disputes please.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Oxford, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have a credit card with Capital One and they abruptly suspended the usage on my credit card due to suspected fraud from me. I submitted my license and verified my identity and they still have restrictions on my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Itasca, IL

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Dallas, TX

Payoff process

Credit card:

Complaint: I have the balance on my card for a year and the amount owed has not come down at all. I think this is robbery and illegal. I am making a formal complaint because this is fraud. To charge a customer to use an account and have them pay you back is bad customer service.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

PA

Overdraft, savings or rewards features

Prepaid card: Gift or merchant card

Complaint: I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. Now they are not re-issuing the replacement card
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-14

Neotsu, OR

Transaction issue

Credit card:

Complaint: I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-14

Fort Worth, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-14

SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-13

Memphis, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Birmingham, AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-13

Canton, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Matthews, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Lena, OH

Billing statement

Credit card:

Complaint: I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Vab, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-13

San Jose, CA

Other

Credit card:

Complaint: I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-13

Rochester, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: In XXXX, Capital One Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired XXXX XXXX XXXX ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. Capital One was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with XXXX XXXX. In XXXX XXXX, I negotiated the terms of my XXXX Capital One credit cards debts with XXXX XXXX attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with XXXX XXXX who had the agreement of Capital One, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, CAPITAL ONE HAS AGREED to this terms. As of today, My CAPITAL ONE BANK Account Number : XXXX .... and CAPITAL ONE BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, Capital One STILL reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through XXXX XXXX XXXX, and received letters from XXXX XXXX for the complete clearance of the credit cards with Capital One Bank. WHY is CAPITAL ONE falsifying that I have balances? As of XXXX XXXX the balances are " XXXX ''. When Capital One hired Attorney Firm to collect their credit card money, surely Capital One has agreed that the Reporting Power to the agency will be given to the Attorneys, and Capital One would not FURTHER damage my credit. It seems that XXXX XXXX collected their fees from Capital One and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. XXXX XXXX must report the Capital One debts as having balance of " XXXX ''. Thus Capital One is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-12

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-12

Naperville, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-12

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-11

N Hollywood, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-11

Botts, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-11

Bethesda, MD

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-11

Watkins, CO

Billing disputes

Credit card:

Complaint: I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response