CAPITAL ONE FINANCIAL CORPORATION

2016-11-04

PA

Charged fees or interest I didn't expect

Payday loan:

Complaint: My mother got sick and all my money I gave to the hospital for her treatment and now I 'm back up on my rent
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Unity Plaza, CT

Other

Credit card:

Complaint: Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Del Valle Finance, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-03

Vero Beach, FL

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Brooklyn, NY

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

TX

Other

Credit card:

Complaint: Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Columbus, MS

Transaction issue

Credit card:

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my visa made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Stewart, AL

Customer service / Customer relations

Credit card:

Complaint: Capital One is reporting incorrect information on my ein number and is not suppose to be to all XXXX credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Nitta Yuma, MS

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-03

TN

Other

Credit card:

Complaint: I was unemployed for nearly 3 months. I contacted all companies with which I had any financial business to make certain of my current financial problem due to unemployment, my job search plan and repayment plan once employed. I was surprised to XXXX that from XXXX XXXX, 2016 to XXXX XXXX, 2016, I received XXXX calls on my cell phone from all companies with which I have a financial business with XXXX calls being from Capital One. The issue I have with Capital One relates to a payment plan. On XXXX XXXX, 2016, I logged into my Capital One online account for the specific purpose of setting up a payment plan to help get my account back into good standing per recommendation from Capital One. First, I added a new payment account which is my new checking account with a local bank. Second, I deleted my old checking account with XXXX Bank. Lastly, I set-up a payment plan for the company to deduct {$370.00} on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. These were dates that Capital One website generated and I accepted. Oddly, Capital One appears to have sent the first payment deduction to my old checking account prior to sending to the new account, despite the old account being deleted prior to setting up the payment plan. I have a photo of these attempted transactions with the date. Capital One has continued to contact me, although at a much decreased rate, by email ( XXXX ) and phone ( XXXX ) in order to inform me that my payment continues to be late and that I should submit a payment to avoid being reported to debt collecting agency or credit reporting agency. This does not seem to be fair or appropriate at all. I took the steps the company recommended because I wanted to avoid being reported to debt collecting agency or credit reporting agency. I assumed that once a customer set-up a payment plan, I might get the standard reminder, but not an ongoing complaint of late payments and risk being reported to debt or credit collectors. I feel like I have held up my end of the deal and should not continue to be told that I am late and I should pay my bill. I 'm not certain what the point of the payment plan is, if Capital One continues with threatening business as usual.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

SC

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My husband and I have been paying on a car loan for a used XXXX XXXX since XXXX. On XXXX, XXXX our vehicle was repossessed by Capital One Auto Finance without proper notice and or any sort of communication as requested. On XXXX, I ( XXXX XXXX ) contacted Capital One Auto Finance about our payment and the status of the vehicle. Since our vehicle had been inoperable for over a year, Capital One deemed our vehicle to be a total loss and the rep in the settlement department offered me a settlement of {$5000.00}. The representative also stated that after paying the settlement Capital One would apply the {$5000.00} to the account and that the account would be paid in full. After being offered the settlement, I told the rep as a customer I have the right to see a settlement agreement in writing. The rep agreed said that she would put it in the mail. Three weeks had passed and called Capital One again just verify that they sent out the agreement because it had to be signed. Another told, on the third week, that they would be sending out the agreement to be signed. Several weeks passed with unsuccessful resolution in receiving the settlement agreement in writing. After over a year the mechanic got the car to start after trying out a part from another vehicle just to see if it was drivable since the car had electrical, transmission, and motor issues, which Capital One was aware of. On XXXX, XXXX, the mechanic told my husband to test the car so my husband tried drive the car ( less than XXXX miles ) to where his work truck was parked. Before he even arrived to his destination the car had ran hot and he got someone to assist him with getting the car to where his work truck was parked. My husband arrived later that afternoon to find the car gone. He then called me and we call the local police department. We spoke a dispatcher at the police department and were informed that the vehicle was repossessed and we we 're in shocked! The dispatcher informed us to call one company then that company instructed to call the lien holder and gave us the phone number of the towing/ the company who repossessed the vehicle. We called Capital One and XXXX ( rude ), in the reinstatement department, stated that to reinstate the account that we had to pay {$6000.00}. I told the rude rep XXXX that the entire story about the settlement then he transferred me to the settlement department where I then spoke to XXXX. XXXX stated that we would have pay the balance of {$9000.00} to pay off the vehicle in full or pay want XXXX had instructed to pay, which was {$6.00}, XXXX to reinstate the vehicle. After speaking to Capital One Auto Finance, my husband and I checked our credit reports and found that that Capital One Auto Finance had, on both of our credit reports, the account for this vehicle was closed on XXXX XXXX, XXXX, the very month they made a settlement agreement but never sent out correspondence for us to sign. On our credit reports for the same account for the repossessed vehicle, the account was charged-off and has us owing them a balance of {$12000.00} as if we never paid them anything and all. Please seek into this matter as Capital One can not and should not continue to rip off customers. Thank you in advance!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Alexandria, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Columbus, MS

Transaction issue

Credit card:

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my card made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Batavia, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Mesquite, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-02

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-02

Mesquite, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Beaver Creek, OH

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Santa Ana, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Palm Harbor, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-02

Cheverly, MD

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Katy, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Medford, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Tampa, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response