CAPITAL ONE FINANCIAL CORPORATION

2016-10-31

Harvester, MO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Brooklyn Heights, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Lancaster, TX

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Austin, TX

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

N Haven, CT

Payoff process

Credit card:

Complaint: I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Tampa, FL

Other

Credit card:

Complaint: attempting to work on refinancing my mortgage on my primary residence to reduce my monthly payment, putting down extra funds as l planned before my last closing and eliminating the PMI on my mortgage, my bank loan officer, XXXX XXXX of XXXX Mortgage discovered that my capital one business credit info was reported on my personal credit report thereby adversely affecting my credit scores because of the high balance. l politely called capital one to dispute this. They flatly told me that even though it was wrong to see my business credit card info on my personal credit report, that they will not remove it. l was told that it was their company policy to report business on personal whether the law allows them or not. Over the past 3-5 days since XXXX . XXXX told me this, l talked to ( 1 ) a supervisor XXXX identified as Employee # : XXXX and XXXX other agents on this matter, ( 2 ) one being XXXX identified as Employee # XXXX while ( 3 ) the lady who spoke to me on the first day that l do not have her information. The first agent told me that they will send me the card member agreement containing terms and conditions ( attached ) where l will find all information guiding them after l mentioned that l was never aware or made aware of this as their model of reporting. She asked me to call back when l received agreement so we could resolve further issues. That l did when l got it, read it and did not see the reporting of business credit info on personal credit info and that when l called again asking them to furnish me any disclosure concerning this that l was made aware of but that l have perhaps forgotten. XXXX told me that they are not obligated but that l could either pay off my balance or close my account with capital one. What a blackmail? XXXX insisted that there is absolutely nothing they can do and having been told that before in the past, no matter how long l called to insist on my argument, that they will not budge. When l asked him to give a piece of information in the law that authorized them to do what they are doing, he went blatantly refused, asking me to find it myself or call my lawyers. That seems to be rude and additional blackmail. So at this time, l am asking the bureau to help me look into this because l could not find the relationship between a business credit info and personal info being comingled like this despite a guarantor relationship which l was made aware the first time l got business credit that it has to do with liquidation and indemnification in cases of bankruptcies. This argument is critical in that l for one do not have or want any personal credit card in excess of $ XXXX unless in real estate transaction ( which l do almost yearly ) since l never had any need for those. If l knew or made aware of it, l would have outrightly rejected the increases capital one unilaterally made on this card from $ XXXX to $ XXXX, then to $ XXXX and later $ XXXX. And even if l have the money to pay off my balances, should that not be by my choice, not by force or with these kinds of threats and blackmails?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Oxford, GA

Late fee

Credit card:

Complaint: I was charged late fees on both of my Capital One accounts fraudently. I have a balance above {$800.00} on both accounts and the monthly minimal amount due was under {$50.00}, and the payment due dates on both accounts are the XXXX of each month. I decided to make an EARLY payment on both accounts on XXXX XXXX, 2016, although my payments were n't due until XXXX,2016. When I contacted Capital One and spoke with a manager ( XXXX ), advised me I was charged a late fee because I paid early on both accounts so the XXXX,2016 payments applied to my XXXX bill. She also explained to me the reason my XXXX XXXX payments were applied to the XXXX billing was also because my XXXX billing had not been released until XXXX XXXX, 2016, which made no sense. If I made an XXXX payments it should be credited for XXXX, not XXXX. There was absolutely nothing on their website that indicated a payment rollback, which would grant them permission to apply my payments backwards. This is a fraudulent business practice to allow Capital One the ability to collect fees from me as a customer/consumer, they do n't deserve. I pay on time every month and I over pay the minimal amount due. Why would they penalize a customer which could negatively impact my credit?!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Tubac, AZ

Other

Credit card:

Complaint: CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Hghlnds Ranch, CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Wickes, AR

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-30

Oxnard, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-30

DE

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-29

Atl, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have a Capital One : Credit card Savings account Checking account Yesterday, Friday, I withdrew funds from the savings account and the checking account and made payments on the credit card before XXXX ET. I am attaching one of the confirmations. Capital One posted my payments, but will not make the funds available for me to use until XXXX XXXX, at least 12 hours after the transactions posted to my account. It is now XXXX XXXX. I do n't know what is happening with my money, at this moment. The bank has it, and is not making it available to me. I asked the bank what is happening with my money, and the bank was not very detailed in their response. See the attached chat transcript. Absent more information from the bank, I can only assume that they have taken my money and are lending it to someone overnight, getting interest on it, and not sharing that income with me. In other words, it appears to me that the bank has converted my money to their own use, without my consent, and is profiting from it without paying me for the use of my money. This is analogous to a homeowner with solar panels. Sometimes the homeowner uses the energy and sometimes it goes to the power company - the power company uses it and pays the homeowner. In this situation with Capital One, sometimes I get to use my money by using the credit card and sometime Capital One gets to use my money. Like the power company pays the homeowner, Capital One should pay me. I would like to get paid for the bank 's use of my money. When I was filing this complaint, I was asked to identify the bank. I noticed there are many Capital One entities. I do not know one from the other. So, I am attaching the " Contact Us '' information from the website and a screenshot that shows the URL and the bank 's chat welcoming screen.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-29

Happy Camp, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I keep getting a certain debt collector call me from Virginia saying I still owe money but am not longer going to be sewed bt Capital One. Apparently it was an account opened in XX/XX/XXXX and some payment was made in XX/XX/XXXX. I do n't understand.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

Minneapolis, MN

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-29

MA

Customer service / Customer relations

Credit card:

Complaint: I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-28

Beaumont, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Plattekill, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Youngstown, OH

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Box Canyon, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Jupiter, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Charlotte, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Hon, HI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response