CAPITAL ONE FINANCIAL CORPORATION

2016-09-06

New Market, AL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

New Orleans, LA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Chicago, IL

Credit card protection / Debt protection

Credit card:

Complaint: This is a follow up to a complaint I filed with the XXXX about Capital One over a capital one card ( # XXXX XXXX. After repeated attempts to resolve my credit card balance with capital one and been mistreated, mislead, lied to and had my credit destroyed ... Capital One just recently sent my account to a company called XXXX ( XXXX ) ( ref. # XXXX XXXX XXXX contacted me saying they were now collecting, although they were very elusive when I tried to get them to admit that they had simply bought the debt. They tried to convince me to pay a certain amount by a certain date otherwise it would hurt my credit. They were not specific about how it would hurt it, they simply used that threat to try and convince me to pay what they wanted when they wanted it. They would n't negotiate, they did n't care about the circumstances. How is it legal for a company to sell off debt to another company which then has the power to further hurt one 's credit ... .without any of the context of the problem or without any due process? This new company refused to negotiate and continues to call me. I told them the situation and made them a more than fair offer, despite the fact that this debt should be settled with Capital One. They did n't even consider it. So basically, Capital One XXXX me over again.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-05

Lake Ridge, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-09-05

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments and it is showing an inaccurate balance on my Capital One Auto Finance account. I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. I spoke with a lady representative during the week of XXXX XXXX and she stated that she was able to extend my loan and that she would call me back with all the details as of XXXX XXXX I have not heard from her and anyone in the Capital One office.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-05

Saint Paul, MN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Hello, I purchased a vehicle in 2014, which I was over charged for the actual worth of the vehicle. As a result the trade in value is double what it should be and I am in the whole about XXXX. The warranty I purchased says tat i purchased the vehicle for XXXX, but I actually traded in my deceased dads car, and also put down XXXX in cash. I would like a refund in the amount of XXXX. There is also a lot of minor problems I have experienced that were not disclosed to be at the time of purchase like the sway bar being lose, and the fuel sensor being bad. Something is wrong with the contract which has basically charged me more for the SUV than it is worth. This complaint also involves the dealership located off or XXXX XXXX at the XXXX Dealer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-05

Bohemia, NY

Other

Credit card:

Complaint: Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-05

OH

Closing/Cancelling account

Credit card:

Complaint: When logging into my account, I found out it is restricted so that I can not use my credit card due to potential fraudulent activity. I was never called or emailed to be alerted to this possible fraudulent activity by my credit card company or to be told that my card was put in restricted status. Upon calling my credit card company, I was told I would have to provide my Social Security Card in addition to a bank statement or billing statement and my drivers license in order to remove the restriction. I do not feel comfortable sending this information via the internet even if it is through a so-called secure link or messaging system so I asked the company to close my account. I was told that my account could not be closed and that it will remain open in a restricted status until I provide my personal sensitive information including my social security card. The company would also not release the nature of the fraudulent activity on my account. I do not feel comfortable leaving this account open and do not feel comfortable providing copies of my social security card through the internet. I want this account CLOSED and am very frustrated that the company will not close it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

Dallas, TX

Late fee

Credit card:

Complaint: To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. I 'm planning to apply for a mortgage loan and it 's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment fees. Thank you for your consideration, and I hope you 'll approve my request. Best, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-04

Minneapolis, MN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-04

Boston, MA

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-04

Lb, CA

Unsolicited issuance of credit card

Credit card:

Complaint: I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-04

Amelia Village, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2016, I purchased a XXXX Ford Edge from XXXX in XXXX, XXXX for XXXX. They insisted the car the car was accident free. One month after purchase it was determined the car was in fact involved in a serious accident which they failed disclose. The loan was financed by Capital One Capital One Bank, XXXX. XXXX XXXX, XXXX, XXXX XXXX. They and XXXX refuse to refund my money or take any corrective action.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-04

Vab, VA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-04

Spring Hill, FL

Credit card protection / Debt protection

Credit card:

Complaint: My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Dallas, TX

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

PA

Unsolicited issuance of credit card

Credit card:

Complaint: I received two phone calls from the 'capital one ' fraud department to verify I had attempted to open an account. I had not and do not have an account with capital one. The number I am worried about is XXXX. I asked them to somehow verify they are capital one and they said 'they 've never received a question like that and couldnt '.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Leeton, UT

Billing disputes

Credit card:

Complaint: I have proof of my charges and willing to give you copies. It makes no sense to reverse the charges of my dispute with XXXX XXXX. I have called and left messages. I have not gotten any calls backs. I would also like to reverse a dispute and need your help, as I called twice and got no help Saturday AT ALL. I am disappointed in you guys. I thought you would not reverse charges and would be more helpful with disputes. I spend 20 mins with a customer service rep and was on hold and my phone died. I do not have a lot of time to call from XXXX. I need you guys to follow up with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Washington, DC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Lynchburg, VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received suspicious mail after Capital One promised to the consumer and CFPB in numerous occasions. The responses are written on the stone. Look out for some signs of abuse/retaliation please.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-02

Sebring, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response