CAPITAL ONE FINANCIAL CORPORATION

2016-11-09

Mesa, AZ

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-11-09

Houston, TX

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Key Biscayne, FL

Closing/Cancelling account

Credit card:

Complaint: Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-09

Rocky Ridge, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-09

Val Verde, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened an account with Capital One 360. They took my money ( via ACH ) from my other accounts. My mobile app said that the funds were not available for withdrawal. I gave it a few more business days and then called them to find out why the funds were frozen ( I could not access them ). When I called them, they said that they reviewed my account and said that they did n't want to do business with me - although I passed all XXXX and did everything they asked. If they did n't want to do business with me, why would they open an account, take my funds, then wait to close it and freeze my funds where they were not available to me? I 've escalated and am still awaiting a return call. I passed all incremental XXXX and am not sure why they are keeping my funds. Additionally, I directed some of my payroll to this account since it was set up and they mailed me a debit card in the mail. I never imagined that they would open the account, mail me a card, etc. and then close the account and freeze my funds. As well, when I called to get help, the agent said they could not help me, that I needed to speak with another department and it took WELL over an hour just to get someone to answer the call ... and that person then said we do n't want to do business with me ... even though they took my money and mailed me a card
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Oxford, GA

Delinquent account

Credit card:

Complaint: My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Hamburg, NY

Transaction issue

Credit card:

Complaint: I received an email on XXXX/XXXX/16 that my Kohls credit card was past due. I thought I had scheduled a payment. I accessed their website on that day, the website did n't show a payment or a pending payment so I scheduled a payment as I must have forgot to schedule a payment for my XXXX bill. Now I have a payment out of my checking account on XXXX for approx. {$400.00} and a XXXX payment on XXXX for the same amount. So the second payment overdrew my checking account and kohls has a XXXX payment showing on their system which has n't been deducted from my checking account. They ca n't explain the XXXX payment. They think it wo n't go through but ca n't guarantee it. I asked for the refund of the XXXX payment and they indicated that it would take weeks for me receive by check. They indicated that had I done it through a representative that they could have electronically refunded me the money. I think holding on to my money for weeks is wrong since I have now incurred fees on my checking account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Cartersville, SC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Bronx, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due 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 non-monetary relief

Disputed: No Timely Response

2016-11-09

Hollis, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Ellis Island, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Swan, TX

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Cheshire, OR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Cheshire, OR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Laguna Beach, CA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-08

Cheshire, OR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Baltimore, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

S Pasadena, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-08

Cheshire, OR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Stevenson, MD

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: In XXXX of 2016, I filed for bankruptcy. While in bankruptcy, Capital one continued to charge interest on the loan, plus other trumped up charges like home inspection, attorney 's fees, and late payment fees. I would like the bank to remove all those charges and credit my account in accordance with the bankruptcy laws. Secondly, my record shows that I paid up to date with the bank prior to filing for bankruptcy. However, Capital One claims that they are not going to send me monthly billing statement on the basis that my account is not up to date. Whereas, the their last letter indicted that I owed {$1100.00}. That payment was made in full. and evidence herein attached. Therefore, if Capital One believes that I had a missing payment, they should indicate the month and amount they claim I owe till date. As proof, I have attached a letter in my complaint from Capital One, stating an amount to be paid in other to bring the account up to date and a certified check payment made by me to bring the account current. Therefore, I am clueless to why billing statements where still not sent monthly, and how i can owe ofter making such the payment asked.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-08

Harrisburg, PA

Late fee

Credit card:

Complaint: To Whom This May Concern, I received a call from Kohl 's on XXXX/XXXX/XXXX that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements delivered in the mail so I can keep records of all bills/transactions in a file. Furthermore, I also generally only use XXXX credit card so I apparently I inadvertently forgot that I had actually used the Kohl 's card for a purchase. I paid it immediately when I got off the phone after the call. I was only contacted on that one occasion about the late payment. Looking back, I believe that I made a purchase in late XXXX or XXXX. However, I do not know for sure. I have requested that information and I was told that due to my closing of the account they can not see that information but will have it sent to me. I later found out that my credit report had been damaged from this one and only incident with Kohl 's. I had a credit score of XXXX before this and due to XXXX misunderstanding my credit score is now only XXXX. I tried to rectify the situation with Kohl 's but they will not work with me. I have had a relationship with Kohl 's since XXXX. I am sure you can see this is not typical behavior of me and I am asking to have this incident removed from my credit report. I appreciate you looking into this situation for me. Thank you for your time!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Copper Center, AK

Customer service / Customer relations

Credit card:

Complaint: I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Boynton Beach, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response