CAPITAL ONE FINANCIAL CORPORATION

2016-09-10

Rncho Domingz, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-10

Rncho Domingz, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-09

Lancaster, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Houston, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Indianapolis, IN

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Allingtown, CT

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Boston, MA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

Houston, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-09

Lafayette Hl, PA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-09

Neotsu, OR

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Dellslow, WV

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Bozeman, MT

APR or interest rate

Credit card:

Complaint: I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

Arvada, CO

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-09

Long Beach, CA

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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

2016-09-09

Warrenton, VA

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: XXXX XXXX, Owner of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX requested a HELOC on his property. Maximum on that loan was {$45000.00}. When he went to sell the property, Capital One ( second lien holder ) indicates {$95000.00} is owed. They wo n't explain why the amount has increased so drastically other than a generic letter stating " he owes the money ''. I am a licensed Realtor/Broker and have a Power of Attorney to work on his behalf. I am completely at a loss to get any information from Capital One, and do not understand how the real estate records can indicate a lower amount is owed, yet the Loan PayOff Statement indicates almost twice that amount is owed. There was no re-finance, no second appraisal, the consumer signed nothing, and he claims fraud on the part of the bank. I have plenty of documentation to send.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-09

Tysons, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Leh, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Woodland, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Bronx, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-08

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Lutz, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Riverside, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-08

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Longwood, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response