CAPITAL ONE FINANCIAL CORPORATION

2016-09-28

Ft Lauderdale, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-28

ME

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

Beach Center, CA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

San Francisco, CA

Closing/Cancelling account

Credit card:

Complaint: I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-28

DE

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a XXXX hours week job, that pays near {$850.00} every XXXX weeks period. This job is regular. At work at XXXX location. With a car, I have the potential of doubling the number of hours and thus the income. My only expenses are a Home Owners Association fee of {$320.00} per month. Oh, I do have an XXXX XXXX for food. I am not looking for a luxury car, but XXXX wheels for the XXXX job/additional XXXX hours a week. This is the answer I get : " Thank you for your interest in a pre-qualified offer from Capital One Auto Finance. After reviewing your information, we 're unable to provide you with a pre-qualified offer. We will send you a letter in the next 7-10 business days with more information regarding this decision. Remember there 's no risk to your credit score when checking your eligibility for an XXXX pre-qualification offer. For your privacy, our customer service associates are unable to discuss reasons for our decision by phone. " Then, at other end of the XXXX phone number, I get to speak to an obviously XXXX girl, paid as miserably, as I am ( paid ). Does anyone have a badge and a XXXX, for these XXXX, and not innocent Americans of XXXX?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

New Bedford, MA

Advertising and marketing

Credit card:

Complaint: I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

Urbana, IL

Billing disputes

Credit card:

Complaint: 1 ) Applied for a Capital One credit card online. 2 ) Received a notice by mail requesting that I call them with additional information. 3 ) Called them with additional information and was told a card account had been approved. 4 ) Received Card. 5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 8 ) Used card several times. 9 ) Card stopped working. 10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 12 ) Became frustrated and cancelled my card. I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-27

Haymarket, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Port Huron, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Bay City, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-27

Lawrenceville, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Grosse Ile, MI

Other

Credit card:

Complaint: XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-27

TX

Rewards

Credit card:

Complaint: After accumulating points for 7 years at capital one when I went to redeem them they told me I had forfeited my points because they had ended the program and I had not redeemed them in time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Scottsdale, AZ

Cash advance fee

Credit card:

Complaint: Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Altadena, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Philatelic Center, CA

Other fee

Credit card:

Complaint: I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-27

Mill Creek, IN

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-27

Laurel, NY

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-27

Point Arena Air Force Statio, CA

APR or interest rate

Credit card:

Complaint: I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-27

SC

Closing/Cancelling account

Credit card:

Complaint: I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

West Brandywine, PA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-26

Bothwell, UT

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-26

Portland, OR

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Brownsburg, IN

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response