CAPITAL ONE FINANCIAL CORPORATION

2016-11-07

Corinth, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-06

Brooklyn, NY

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-06

Centennial, CO

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-06

Gloucester City, NJ

Billing disputes

Credit card:

Complaint: I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the XXXX credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-05

Box Springs, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-05

Accokeek, MD

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-05

Colts Neck, NJ

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 as of XX/XX/2013 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

2016-11-04

Tulsa, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-04

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Gilbert, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

New Bedford, MA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-04

Grand Junction, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-04

Houston, TX

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Davie, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-04

Chatsworth, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Decatur, GA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-04

Itasca, IL

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Santee, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

So Effingham, NH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

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 XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days 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

2016-11-04

NY

APR or interest rate

Credit card:

Complaint: I am consolidating my debt. I understand my debt is my responsibility and am not looking to blame anyone. I called Capital One where my interest is 18 % and I have XXXX dollar balance. I pay over XXXX dollars a month in interest. All I did was ask for a reduction in my APR. I was given a supervisor that claimed she was the highest level and would not give me anyone else to speak with. She even stated her supervisor would does not even get on the phone w consumers!! I am a XXXX, my XXXX has spoken to patients with complaints. I am shocked that my account is in good standing, I pay XXXX a month on time every month, which XXXX goes to interest. I was just asking for a reduction for 12 months to save money. I am very disappointed as XXXX reduced my rate by 1/2 for one year and saved me 1/2 my interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Hunlock Creek, PA

Other

Credit card:

Complaint: I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-04

Mc Allen, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-04

South Florida, FL

Closing/Cancelling account

Credit card:

Complaint: I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.
Company Response: Closed with explanation

Disputed: No Timely Response