CAPITAL ONE FINANCIAL CORPORATION

2016-10-22

Murrieta, CA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-22

Murrieta, CA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-22

Queens, NY

Transaction issue

Credit card:

Complaint: I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-22

Harrisburg, PA

Billing disputes

Credit card:

Complaint: Capital One Bank calls my home throughout the day because I missed XXXX payment on the card. I have income during the next several weeks to make payment. I do not appreciate their obnoxious attitude.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

Halyoke, MA

Credit card protection / Debt protection

Credit card:

Complaint: I sent a payment to Capital one and it was applied to the wrong credit card number. This left XXXX credit card with a credit balance and another with no payment made. Capital One is telling me that they ca n't apply the original payment to the correct card number or move the large credit balance left on the incorrect card without holding the funds and my credit up for at least 48 hours. They have had the funds for 14 days.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

CO

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. ( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

DE

Billing disputes

Credit card:

Complaint: After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

Flushing, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-21

Branson, MO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Mill Creek, IN

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-21

Humble, TX

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-21

Vab, VA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Silver Spring, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Palmerton, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Cataldo, ID

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Eldorado, WI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Conyers, GA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-21

NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-21

Arlington Heights, IL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

VA

Other

Credit card:

Complaint: I had XXXX Capital One credit card accounts. I got be hide on the accounts and Capital One started contacting me. My wife explained that I got be hide due to me owning a business. Somehow during this time, Capital One started contacting my business ( Partnership ) and stated to my business partner about outstanding debt that they were trying to collect. Which Capital One violated the " Privacy Act ''. Myself and my wife contacted Capital One informing them that this was a personal debt and not a business debt. We also asked them to stop calling the business and discussing my information with my partner. Then, Capital One started demanding the debt. We again contacted Capital One asking them to cease calling the business over my personal debt. A couple months later, Capital One transferred ownership to the business ( LLC ) and out of my name Capital One informed me that the debt was transferred to the business. XX/XX/XXXX the business again was contacted by " XXXX '' and " XXXX XXXX '' regarding the Capital One accounts. On XX/XX/2016, we reached a settlement offer with " XXXX ''. That same day we paid the settlement offer in agreeance that the negative remark would come off my credit report. On XX/XX/2016, " XXXX XXXX '' contacted the business and we reached a settlement offer with them for the XXXX Capital One account. In the settlement offer XXXX XXXX agreed to remove the debt from the credit file if I paid the debt that day. In which I did. Throughout the following months I ran credit reports and seen the debt still listed. I disputed the account with the credit report agencies, and got the same response. That Capital One stated that the debt was listed correctly. I again called Capital One regarding our settlement offer agreement. Never got anywhere with them. I filed a complaint with CFPB that got closed with no results. XX/XX/2016, I again disputed the accounts on my credit report. On XX/XX/2016, I received a letter that stated that " We have reviewed our records and found that we previously responded to your request on XX/XX/2016. Based on our investigation of your records, we believe that our original determination is correct '. This was on the account ending in XXXX. On account ending in XXXX, the letter stated " We are following up on a fraud notification that you recently filed with XXXX of the XXXX credit report agencies stating that you believe there is fraudulent activity on your Capital One account ''. On XX/XX/XXXX and XX/XX/XXXX, I contacted Capital One and expressed my concerns. I spoke to XXXX XXXX and then a manager ID # XXXX ( XXXX ) on a recorded line. XXXX and I discussed the account and which I asked if we could settle this matter without contacting CFPB or an attorney. XXXX stated that " XXXX and/or XXXX XXXX '' had no authority to offer and settlement offer or removal of the accounts from my credit file. I went on to explain that was part of the settlement offer if paid on the same date. I went on to express the " Privacy Act '' violations, and the transfer of ownership. XXXX stated that she would have to investigate her records, I stated that we have already went through that process. XXXX stated that I need to spend her a copy of the settlement offer. I explained that I have already submitted these documents to them on numerous occasion with no results. I asked XXXX how we could settle this matter, and was told that the debt would continue reporting on my credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Greenwood, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XXXX, 2016, I received no statement pertaining to my credit card account. In vain, I attempted to phone Capital One. The response was a recording indicating my account was under investigation for fraud. Thus, I was unable to pay either the monthly due by statement or by telephone. Subsequent months ( XXXX and XXXX ), I received this same message, not by a Capital One employee, but rather via a recording. In XXXX, at last, I was able to speak with a person from Capital one ; a male who stated my account was under investigation for fraud and that I must FAX a copy of my drivers license, social security XXXX, and credit card. This I did. In XXXX, I attempted ( successfully ) to contact Capital One. I was told that the Social Security Card FAX was blurry and must be resubmitted. This, I did. In late XXXX, I received a statement ; XXXX " out of the norm '' from the usual suggesting I owed well in excess of {$100.00} for missed payments. ( Note : Maximum card amount was/is {$500.00} ) In vain, XXXX and XXXX, I attempted to phone Capital to protest this interest amount, as I had been precluded from making a monthly payment ; a monthly payment I had made, without fail, for in excess of three years. I continued to make phone calls, as well as in XXXX, writing to a XXXX XXXX XXXX noted by Capital One a response site In addition, I sent a check for the amount of {$60.00}. ( Note : Correspondence and check were dated, XXXX XXXX, 2016. ) However, in subsequent phone calls, when I queried, " Who is accused of fraud and please explain the " gist '' of this fraud complaint? ", I was told, we are unable to provide this information because " your account is under investigation ''. I, also, questioned, " Why has my check NOT been deposited by Capital One? No positive response was received ; instead, queries by Capital One consisting of when did you send it, where did you send it, how much, etc ... ... .Last week, I went to an entity of my financial institution XXXX XXXX XXXX XXXX XXXX XXXX, where an employee of this bank entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) verified to Capital One rep, on phone, I was/am, indeed, XXXX XXXX XXXX I was provided ( per my suggestion ) another " code '' word. When I attempted to phone the following day ( Week of XXXX XXXX ) to ascertain when statement would be sent to my permanent address, I was told, that department is busy, you will have to phone in XXXX to XXXX hours. I, again, asked about missing check for {$60.00}, and received a response, " Are you sure you sent it ; if so, it must have been lost in the mail or other possibility ( unnamed ) ... ... Then, on Monday or Tuesday of this week ( I am uncertain whether it was the XXXX of XXXX of XXXX ), when checking my XXXX XXXX XXXX XXXX account, which I generally do, on a daily basis, it was noted that Capital One had deposited the check for {$60.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..My complaint/contention is I should not have to pay the stated exorbitant ( my adjective ) amount Capital One states I owe ; given that since XXXX, I have repeatedly attempted, via both telephone calls and written correspondence, attempted to obtain a statement in order to make my monthly payment ; an amount that, admittedly, I often paid the minimum amount ( {$18.00} to {$20.00} ) ; but nonetheless, was completely responsible ( i.e. punctual ) in doing. Justice would dictate, I need to resume payment, effective what my monthly payment would have been in XXXX, 2016 ; NOT an accumulated interest and late charges deemed as owed by me by Capital One. I would think Capital One, by law, must submit my payment record for the past three ( or more ) years ; which verifies my account of being punctual per monthly payment. Thank you very much for your time and assistance. I look forward to hearing from you. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Plymouth, FL

APR or interest rate

Credit card:

Complaint: I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Carver, MA

Closing/Cancelling account

Credit card:

Complaint: XXXX XXXX. 2016 Applied for the XXXX XXXX XXXX XXXX card, rated as one of the best travel cards. instantly approved for the XXXX XXXX card with the limit of {$10000.00}, much more than I needed for a travel card.The card was shipped to my USA mailing address XXXX XXXX, 2016 ( see the XXXX email attached ). It was received XXXX XXXX,, 2016, the day left XXXX for XXXX. So, I mailed the card to a friend, coming to XXXX, XXXX the XXXX of XXXX ( see the USPS information for a shipping label attached ). After the credit card was received, I received a very strange call from the XXXX XXXX Fraud department, telling me that they needed to discuss my application. That made me very suspicious - why discuss application after the credit card is in my possession.? Why the phone call from unidentified number? Why the alleged fraud person speaks with an accent that is impossible to understand? Nevertheless, I tried to call the phone number given in that message. I tried and tried again - I kept reaching some fax machine. That made me even more suspicious. So I sent a warning message to the XXXX XXXX fraud department ( see attached ). The XXXX XXXX Fraud Department automatic acknowledgement of the receipt of my message was instantaneous, but no substantial reply has ever followed. My friends, to whom I paid {$25.00} for the credit card delivery, arrived in XXXX and brought my new card. I tried to activate it the same day - XXXX XXXX, 2016. The XXXX XXXX web site was down due to some technical problems. I tried to activate the card XXXX XXXX, 2016 - the site still was down. Then I called XXXX XXXX, talking with a variety of individuals, in different cities, with different accents, giving me different information. One person telling me that the person with whom I need to talk will not be in the Office, until Tuesday, XXXX XXXX, 2016, because of the XXXX. Another telling me that it is not the case. Some telling me that my account was closed, but not telling why and instructing me to call Monday or Tuesday to the general phone number so as I would be transferred to the department they refused to name by its name and give its phone number I talked to XXXX XXXX in XXXX, who placed me on hold, eventually came back, telling me to call Monday XXXX and ask for XXXX XXXX Somebody else told me to call XXXX, XXXX XXXX. Somebody else told me to call XXXX - Exec Research When I called the Fraud Protection Department, on the number found on their web site and totally different from that received in the voice message, I talked to XXXX XXXX XXXX, in Florida, who told me that I should call Monday XXXX and tell my story once again, to be transferred to somebody or rather. She too told me that the account was closed and out of their hands. She gave no information as to why and whether the Fraud Department called me, nor if they reviewed my report of the suspicious voice mail So, Sat and Sunday XXXX XXXX and XXXX, I spent on the phone over 3 hrs, asking again and again to be transferred to the Customer Service Manager and getting absolutely nowhere. Nobody would hear that I am in a foreign country without a working credit card, unable to travel, etc. Having finished those useless and time consuming conversations, I tried to activate the card on the web. Received the message - we can not activate your card ( see attached ) The next day, Monday, XXXX XXXX, 2016, I called Executive Office, on the number I found on the Internet, in numerous complaints about the XXXX XXXX impossible customer service - XXXX. WHY WAS NOT IT ACCESSIBLE TO ANY OF THE XXXX XXXX EMPLOYEES? WHY DID THEY GIVE ME DIFFERENT PHONE NUMBERS, NOT TELLING THAT I SHOULD TALK TO THE EXECUTIVE OFFICE? WHY WAS THERE NO CUSTOMER SERVICE MANAGER AVAILABLE? please see my Executive Office Interactions attached
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-21

Rockaway Beach, NY

Late fee

Credit card:

Complaint: I have been on time for over a year and a half and the late payments stated is effecting my approval rates for loans and credit cards so it is in my best interest to have it removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

TX

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.
Company Response: Closed with explanation

Disputed: No Timely Response