CAPITAL ONE FINANCIAL CORPORATION

2016-09-30

Annandale, VA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Palmerton, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Cleveland, TN

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

MI

Other

Credit card:

Complaint: I have had an account with Capital One since XXXX of XXXX. For years, I made on time payments, every month. I went through a financial hardship due to a job loss and was unable to make payments besides my rent, car payment, and car insurance. I could n't pay my credit card bills at that time. I got a job with a XXXX company last year, and was just promoted last week to an excellent position with a large pay increase. Capital One closed and charged off this account in XXXX after my job loss and my inability to make payments. Since then, they have reported that I have been 90 days late XXXX times on my XXXX report, and XXXX times on my XXXX report. This reporting is simply erroneous as there is no way that I am still late on payments every month after this account has been charged off and closed. I called to tell Capital One that I would pay off the remaining charged off balance yesterday, as long as they properly updated that the errors would be corrected. I talked to a few representatives and they told me that there was nothing they would do for me because the reporting was correct. I find it impossible to believe that a closed account can still have payments reporting as late. Please investigate this. I am willing to pay Capital One every penny I owe them, as long as they delete my errors from my credit report. There are so many errors, that the best resolution would be for them to accept my payment in full for the {$390.00} balance I owe them and they could just remove my trade line permanently. I will be attaching screenshots from my XXXX credit monitoring report so you can see the discrepancies. Please investigate this because there is no consistency to the reporting errors and Capital One is still hurting my credit to this day on an account that has been closed for years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Heidelberg, MN

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: The debt collector for Capitol One bank ( XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because XXXX are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Chicago, IL

Deposits and withdrawals

Bank account or service: Savings account

Complaint: My CapitalOne 360 savings account was hacked. It took 3 calls to the security people before they answered. My account was subsequently locked. A week later I still do not have access to my funds. Ive called half a dozen times and waited literally hours on hold without reaching a representative. Their voicemail box option is full. They are holding my funds hostage and I can not access them. Completely unacceptable.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Goshen, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-30

Westfield Ctr, OH

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My XXXX year-old son is receiving several pre-qualified Capital One Credit Cards ( XXXX so far ) by mail ... I spoke with XXXX at XXXX about this situation and he stated he is unable to put a red flag or an alert that his SS # is for a minor child. I want someone to help me protect my child SS # by red flagging everything that comes up his information!!!!! Sincerely XXXX XXXX VERY concerned mother of minor child!!!!!!!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-30

NY

Billing disputes

Credit card:

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

DE

Closing/Cancelling account

Credit card:

Complaint: My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-30

Santa Ysabel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We listed our home in WA for sale - our realtor advised us to move out and we followed their direction for a quick sale. We put a change of address in for a temporary residence in CA. During the month of XXXX, our mortgage interest rate changed and amounted to a difference of {$110.00} on a total payment amount of {$4000.00}. I continued making payments and apparently because of the rate change and our life 's circumstances - I paid the wrong amount which then led to the lender applying a late fee on our account. As of XX/XX/XXXX we 've paid off the mortgage to Capital One completely as our sale transaction has closed. We were due to have our purchase escrow close when just this morning we were told that our new lender pulled our credit score and it had dropped about XXXX points so they are n't making the loan to allow our new home to close escrow. As of today - we are homeless and because of the Credit Bureau 's negative impact on one late payment we have no where to live ( with our XXXX child ) and I 'm certain our new lender will only allow the new loan to close if we pay more money - fees, interest rates, etc. This seems like a mortgage extortion and is impacting our family and our finances excessively.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Boulder, CO

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Rehoboth Bch, DE

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Saint Cloud, MN

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Kendall, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Portland, OR

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Bradenton, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Bronx, NY

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Indianapolis, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Bartlett, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Addisleigh Park, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-09-29

Oxford, GA

Advertising and marketing

Credit card:

Complaint: Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Rosenberg, TX

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response