CAPITAL ONE FINANCIAL CORPORATION

2016-10-26

NH

Other

Credit card:

Complaint: I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Carrollton, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-10-26

Bremen, GA

Payoff process

Credit card:

Complaint: this loan has been paid off and is still damaging my credit history
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

KY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

San Antonio, TX

Other

Credit card:

Complaint: My mother, XXXX XXXX, opened a Capital One secured credit card with a credit limit of {$200.00}. My mother accidentally added me to her account as an authorized user. I called Capital One to remove me as an authorized user and to not report anything to any major credit bureau. The customer service agent and his supervisor assured me since the account was just opened and a first billing statement had not been generated that nothing would be reported to my credit. The other day I receive a credit alert informing me Capital One reported information on my mothers account that I 'm no longer an authorized user for.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Adrian, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Chicago Heights, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-10-25

New Orleans, LA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Hollowayville, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

N San Juan, CA

Cash advance

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-25

Bronx, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Arco, CA

APR or interest rate

Credit card:

Complaint: I have XXXX credit cards and XXXX of them charge me 22 % + in interest. My credit rating is great, XXXX, and my history with those businesses is also good. My payments are on time, always more than the minimum, with no late payments. The XXXX credit card I have has my interest at 9.5 %. I have tried many times with these other cards to negotiate lower rates, and have cited the reasons why as well as use competitive bidding with my lower card. TIme and time again they have refused to lower my rates with little to no justification. The XXXX cards I have are with Capital One, XXXX, and XXXX. From my understanding they borrow money for little to no interest from the Fed. They then set absurdly high prices with no true reason other than to make ridiculous return in profits while offering poor service to the consumer ( me and I 'm sure there are others ). This is price gouging. As we 've seen from the XXXX XXXX scandal there are serious issues in the banking industry. The scandal is massive, widespread, and in my opinion it is clear they knew exactly how wrong it was to do those actions, but did it anyway. I believe this issue with absurdly high interest rates is just as toxic and corrupt as the XXXX XXXX XXXX. This needs to be investigated and there needs to be justice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Denver, CO

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Lafayette Hl, PA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Charlotte, NC

Credit card protection / Debt protection

Credit card:

Complaint: I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Brooklyn, NY

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Gaviota, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Wallington, NJ

Delinquent account

Credit card:

Complaint: This complaint is against Capital One Credit Card negative account in my credit report. This negative account is hurting my credit, but makes a false claim. I do not owe Capital One any monies : Capital One was the first to brake the terms of the credit card agreement. In fact, Capital One has already taken this claim to court and the case was dismissed. Capital One claim is just wrong. Capital One broke the terms of the credit card when they deny my right to dispute a charge in my account. In 2010, I moved and was scamed by the moving company shiiping my stuff : in order to deliver my stuff, the merchant demanded a cash payment, when I had already paid for all merchant 's services with my credit card. Consequently, I disputed merchant 's charge on my Capital One credit card. However, Capital One denied my right, per the card 's terms and conditions, to dispute the charge. In order to deny my right to dispute the moving company 's charge, Capital One requested additional information ( which I had already provided in previous corresondence ) and only allowed me 24 hours to submit it, else Capital One would close the dispute. Capital One requested additional documents in a letter dated XXXX XXXX 2010. The letter was delivered on XXXX XXXX 2010 and it required the supporting documents to be received by XXXX XXXX 2010. Since I was out of the country ( as Capital One could have guessed from the charges in my credit card ), I did not find out about the 24 hours deadline to provide supporting documents, until it had expired. I was still able to submit the requested document within a week. However, Capital One disregarded my submission and closed the case. I filed a complaint argueing it was not reasonable I was only given 24 hours to reply Capital One 's request. I wanted Capital One to continue my dispute against the moving company. Capital One gave the excuse the time XXXX allows them to process the dispute was very short and to meet that timeframe they could only allow me 24 hours to reply their request for supporting material. This was all a lie by Capital one. I called XXXX and was told they do not set time limits to process disputes. in any case, I had filed my dispute less than 3 months after the credit card charge and my submission of suporting documents was less than 5 months after the credit card charge. Nevertheless, Capital One insisted to close the dispute, removed the temporary credit I had received and demanded I pay that charge. Since I considered Capital One had not respected my rights and had broken the terms of the credit card, by denying my right to dispute a charge, I informed Capital One I was not going to pay that charge and was not going to use my credit card ever again. Capital One very quickly added late fees and finance charges, until the balance reached around {$1500.00} and they charged the account off. Capital One continued demanding I pay the card 's balance in full. but I never agreed to Capital One 's claims. Eventually, Capital One realized that and decided to take its claim to court : the case was dismissed. So should now this negative account from my credit report, since Capital One 's claim is wrong. As a side note not relevant to this credit report dispute, I need to say it is really unfortunate, Capital One Dispute Department is the worst from all credit card companies I have ever dealt with. I had already had previous experiences where Capital One Dispute Department was very incompetent and unhelpful. I liked my Capital One credit card. It had good conditions and I used to use it a lot. I was a good client and was never late in my payments. However, I had to give it up as I found unacceptable Capital One would let me down : they denied my right to dispute an incorrect charge and so allowed some merchant to scam me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

OH

Customer service / Customer relations

Credit card:

Complaint: I signed up for secured credit card with initial deposit of XXXX XXXX and XXXX XXXX and had to move to new address before I receive the card. Now the CapitalOne team is asking for written address for change of address and dispatch to new address which would take atleast a month to arrive in form of utility bill etc. When I requested for cancellation of application and refund of deposit, I was told that check would be mailed to address on file ( which would be old address and no longer valid ) after XXXX billing cycles. When I requested for refund by ACH transfer, I was put on hold and disconnected after waiting for 50 minutes. When I called again, I was informed that my account has been closed and check would be mailed to old address
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Saint Paul, MN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased a XXXX 2 years ago. The loan needs to be looked. The lender is Capital One and the dealer is XXXX XXXX XXXX XXXX. The deductions for m, y trade in and the thousands of dollars in case I pt down were not applied correctly. I paid over XXXX for this vehicle, and have a XXXX dollar payment every month. The SUV has a loan balance of XXXX or so as of now. I was charged extra in fees and also given a higher interest rate, when it should have been lower. I lost my job and juts started working in XX/XX/XXXX. They say they have extended my loan but now Capital One is charging me excessive payments of XXXX and above. The interest on these payments seems higher as well. If I do n't pay I get threatened with repossession.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Mc Farland, WI

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Grover Beach, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response