CAPITAL ONE FINANCIAL CORPORATION

2016-10-03

Flushing, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-03

Leesburg, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Charlotte, NC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Ladson, SC

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-03

Fort Worth, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Tulsa, OK

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-03

Carson, IA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Key Biscayne, FL

Closing/Cancelling account

Credit card:

Complaint: there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Bellaire, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

San Jacinto, CA

Other

Credit card:

Complaint: I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. i have also disputed with the bureau and it has gone un answered.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Bellaire, TX

Billing statement

Credit card:

Complaint: Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-03

Odell, OR

APR or interest rate

Credit card:

Complaint: My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

Los Angeles, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

Columbia, SC

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

San Jose, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

Key Biscayne, FL

APR or interest rate

Credit card:

Complaint: I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. If there were promotions, how is that I was n't notified by mail, call or email? There is something grossly wrong with this picture.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

Santa Clara, CA

Billing disputes

Credit card:

Complaint: With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Aiken, SC

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Miami, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Cocoa, FL

Delinquent account

Credit card:

Complaint: due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-01

VA

Credit card protection / Debt protection

Credit card:

Complaint: I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Seligman, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Key Biscayne, FL

Transaction issue

Credit card:

Complaint: Capitol One Bank is, creating debits and credits in my account to over charge. I disputed a charge of a company, because I did not order the product. The bank gave me the Credit. The company returned the money to the bank, therefore my account was left in the correct amount. Now the bank is charging me again for the said amount with the excuse that they gave me double credit. If the bank gives me a credit of {$500.00} and I use {$300.00} What I actually owe is {$300.00}. plus given rate percentage. I need help because this is a clear, game of fraudulent numbers that the bank is using to create profit.
Company Response: Closed with explanation

Disputed: Yes Timely Response