CAPITAL ONE FINANCIAL CORPORATION

2016-09-26

Brooklyn, NY

Billing disputes

Credit card:

Complaint: Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. The only contact information provided on the website, as well as in the confirmation email is a telephone number. On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. Please investigate and assist further.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-26

Buford, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

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

2016-09-26

Queens, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I tried many times to open online a CapitalOne 360 Checking XXXX XXXX XXXX Account on many days. I got always a ridicules error message " We are having a technical issue ... Sorry about that '' at the end of the application process. After that I sent an application to CapitalOne over USPS. In the mail I asked either to open a 360 Checking XXXX XXXX XXXX Account or to explain why it can not be opened. I did n't get any answer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-26

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Long Island City, NY

Convenience checks

Credit card:

Complaint: Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Atlanta, GA

Other

Credit card:

Complaint: I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

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

2016-09-26

Anaheim, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Follow up is needed for CFPB case # XXXX - XXXX, Capital One Complaint ( CapOne Case # XXXX ) After review of the credit card application and all statements for the credit card opened fraudulently in the name of my fathe, additional information is needed as follows : ALL documentation related to the following charges that follow : XXXX XXXX -- XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX My father was the victim of XXXX ABUSE and details on these charges are needed for a legal action underway. Please note that the Capital One letter I received in response to the CPFB request is insulting. It claims they needed additional information. This is a lie. Numerous letters and emails to CapOne included the same request ; I provided not addti additional information to CapOne. They continue to victimize victims. Shame on them!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-26

W Des Moines, IA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Sunnyvale, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Clairton, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

San Francisco, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-25

Oakwood, VA

Overlimit fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Costa Mesa, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-25

Blackbird, DE

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Leeton, UT

Billing disputes

Credit card:

Complaint: I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-25

Wonder Lake, IL

Billing disputes

Credit card:

Complaint: I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-25

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Natrona Hts, PA

Other

Credit card:

Complaint: Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I requested account closure and the company has failed to comply with my request. They respond by not responding!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Hillandale, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Addisleigh Park, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response