CAPITAL ONE FINANCIAL CORPORATION

2016-10-12

Detroit, MI

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Houston, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

North Prosser, WA

Other

Credit card:

Complaint: I was diagnosed with a XXXX that rendered me unable to work and was placed on retirement status ( Federal XXXX Pension ). I informed Capital One Union Plus of this information. I even received a XXXX grant from the Capital One Union Plus Credit card during the period that I was waiting for my retirement benefits to process. Capital one said they understood and would wait until my annuity began before taking any action on the account. The federal government took over a year to process my pension. Capital one did not wait and closed my account. Several times as noted in my XXXX phone log, between XX/XX/XXXX - XX/XX/XXXX I have called Capital one to pay the account as my pension was finally processed. They declined accepting the money to pay the account and then sent the account to collections ( XXXX ) instead on XX/XX/XXXX. Both Capital one and this collection agency are reporting negatively on all XXXX of my credit reports. None of this would have happened if Capital One would have accepted the payment at the time it was offered before the account was sent to collections. I feel like these are devious and unscrupulous games geared toward harming and/or discriminating against the XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Garrett Park, MD

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I opened a Cap One XXXX account in XXXX 2016. I use it as my primary financial accounts for Checking and Money Market. My monthly transactions consist of my XXXX paychecks that are direct deposited to my Money Market along with various monthly rent checks from my investment properties. Currently I have almost {$100000.00} in both of my accounts. Around XXXX/XXXX/16, Cap One XXXX posted on my on-line account that my " Funds are currently unavailable for withdrawal. Please call us at XXXX ''. I have called the past few days to find out why. Each time I called I was on hold for over 1 hour and finally hung up without taking to anyone. Today, XXXX/XXXX/16, I was able to talk to a representative waiter 30 minutes on hold who then said he had to transfer me to the Customer Security Team who is the only source that can discuss with me why my account was put on hold. He said it would take only another 10 minutes on hold. Forty five minutes later, I am still on hold .... apparently I was told by multiple reps that they have experienced higher than normal wait time. Several of my monthly autopay bills, such as my monthly mortgage payment is at risk until Cap One resolves this issue. I requested Cap One to send a check to my renter who lives in XXXX, VA from my checking account last week. Cap One did not issue the check. After multiple attempts to contact Cap One XXXX, I am very concerned that I ca n't reach Cap One to find out why my funds are not available for my use and more importantly Cap One has made no effort to contact me directly in this serious issue. I have no access to accounts to withdraw cash or pay my bills. My credit score will be negatively impacted and I am potentially at risk for my mortgage default since I ca n't withdraw funds. I visited the Cap One brick and mortar branch who basically said they can not help me only Cap One XXXX. I need assistance on how I can access my funds at Cap One XXXX. How pervasive is this bad business practice that Cap One XXXX uses to hold customers accounts hostage? Customers are not able to reach the Cap One XXXX team to obtain validation as to why there is a restriction for no reason. Thank you!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Newark, NJ

Cash advance

Credit card:

Complaint: Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

East Freehold, NJ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-10-11

Culver Cty, CA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-10-11

Hawthorne, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Branford, CT

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Bridgetown, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-11

King Of Prussia, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Rocky Ridge, MD

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-11

Dekalb, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-11

Omaha, NE

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Woodbridge, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Brooklyn, 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

2016-10-11

SD

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: XXXX XXXX XXXX is threatening to place a judgment against me for a debt which they purchased from Capital One. I have never entered into a legal contract with XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Chicago, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-10-11

Sebring, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-11

Lewisville, TX

Transaction issue

Credit card:

Complaint: I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Church Point, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

Fithian, IL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

NY

Late fee

Credit card:

Complaint: Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. Third, the account was closed without contacting me and without giving me a reason. Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-10

Medford, OR

APR or interest rate

Credit card:

Complaint: I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.
Company Response: Closed with explanation

Disputed: No Timely Response