CAPITAL ONE FINANCIAL CORPORATION

2016-10-21

Bon Air, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Los Indios, TX

Credit line increase/decrease

Credit card:

Complaint: I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-20

Blackbird, DE

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

San Diego, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

Bedford, TX

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

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

2016-10-20

New Orleans, LA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

Edgemont, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-10-20

Main Office, VA

Bankruptcy

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

Oak Park, IL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-20

Manhattan, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

San Francisco, NM

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

MA

Billing disputes

Credit card:

Complaint: Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-20

Cartersville, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-20

Phoenix, AZ

APR or interest rate

Credit card:

Complaint: Signed up with Capital One Venture card with a limit of {$25000.00} for the fact they were offering 12 months no interest. I have been accumulating interest on the account prior to the 12 months. Spoke with numerous representatives at Capital One to resolve the issue. Have been told several times that I would be contacted back after further investigation into the account. I have still not received any calls, besides to collect payment which I am no longer interested in making until the issue is resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Odell, OR

Late fee

Credit card:

Complaint: I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Blackbird, DE

Payoff process

Credit card:

Complaint: I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

VA

Billing disputes

Credit card:

Complaint: I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I applied for the secure Capital One credit card got approved and made the required down payment. The card arrived and tried to activate online but got error this could not be processed and would need to call to activate. I was then told account was flag for fraud to my surprised, as seem crazy for someone stealing my identity to apply for a secure card and pay with their own money from their bank account the down payment required to open the account. I was then told needed to send in my driver 's license thru a secure email link as proof showing the address I applied with and I did. I contacted them back a week later as did not hear back with confirmation card was activated. Now being told I need to also send in my SSN, bank statement and a utility bill as well. Capital One claims this is to prevent fraud but yet asking customers to provide all their personal information that someone can now decide to use and in fact steal my identity. I find this ironic and refuse the provide them anymore documents especially my bank statement which shows my full account number. I 've already provided my driver 's license and SSN which is too much information already. At this time I rather the account be cancelled and refund my down payment back to my bank account. I will put an alert on my credit report as well to make sure my identity is not compromised seeing as how a copy of my license and SSN is now in the hands of some unknown person or persons at Capital One. Where is my guarantee my information provide has not been compromised.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Tarzana, CA

Billing disputes

Credit card:

Complaint: i have an account with capital one. i didnt get my statements in the mail for 2 months. i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-19

Chantilly, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Brooklyn, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Blue Mound, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Bell Canyon, 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

2016-10-19

Billerica, MA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response