CAPITAL ONE FINANCIAL CORPORATION

2016-09-02

Concord Twp, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-02

Coppell, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Sacramento, CA

APR or interest rate

Credit card:

Complaint: I got a kohl 's credit card in XXXX CA. When my first payment was due I called a representative of Kohl 's and ask them to change my billing date to the XXXX of every month to keep from getting charged late fees every month. The first time I called was XX/XX/2016 to get them to change my billing date. I was told I had to pay my balance up before they would make any changes to my account. I called them again today on XXXX/XXXX/2016 and again I was told I have to pay my balance up including any late fees. I explained my situation to them and they was not willing to work with me to resolve this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Van Nuys, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Part ( 1 ) : On XXXX XXXX, 2016, I engaged in good faith, the purchase of a 2016 Nissan Juke with XXXX XXXX, XXXX XXXX XXXX XXXX Salesman. Upon receipt of the documents, lease documents and registration, I immediately requested that XXXX XXXX, XXXX XXXX XXXX salesman to make the necessary changes to the sales paperwork to reflect that I was purchasing a 2016 vehicle. The salesman, the Dealership and Finance company all collectively refused to make the necessary corrects to the paperwork. On XXXX XXXX, 2016, with no viable or amicable alternative, I returned the car to the Dealership, located at : XXXX XXXX XXXX, CA XXXX. I am asking that the Car I am driving from the XXXX XXXX XXXX Dealership want sell the car or Repo the Car until a Decision has been made in this case. Part ( 2 ) : Moreover, on XXXX 2016, I, without transportation and unable to travel locally to the VA hospital for regular scheduled appointments, or to the local food market, and without a vehicle to conduct Banking and other business and related matters, once again, engaged, by necessary, in good faith, in the purchase of a second vehicle, the Rogue Nissan 2016, with a XXXX salesman, and employee of XXXX, at XXXX XXXX XXXX. Upon information and belief, through further investigation and discovery, I believes that there may be a routine pattern and practice of false misrepresentation on the part of the dealing toward other senior citizens and veterans customers. I would appreciate if CFPB to take a serious look at this matter. I was quoted $ XXXX monthly car note at 29 %, by XXXX salesman XXXX XXXX XXXX, which would fit within my fixed XXXX Veteran monthly allowance from the VA. However, when the sales documen arrived from the Finance company ( Capital One Finance ) company, for the Rogue vehicle, the monthly note was : {$600.00}. The Salesman and Dealership, once again, just as the first purchase transaction, without my knowledge and without full disclosure to me, referred this transaction for Financing to none other than, the same Capital One Auto Finance. Moreover, to add insult to injury, the same Salesman, XXXX issued State required ( Gap Insurance ) at the time of the sales transaction. ( 10 days ) later the same Salesman XXXX XXXX contacted me requesting that I come to the Dealership. Upon arrival at the Dealership he revoked the State Regulatory requirements issued with the purchase of a vehicle. He then proceeded to tear up the original sales contract and the ( Gap Insurance ) policy. In violation of State regulatory requirements. The Salesman then re-issued a New Sales Purchase contract for the citing, instead that I must obtain Insurance for the car from another Insurance company. Therefore, I remain without ( Gap Insurance ) on the Rogue vehicle. When I subsequently reported the matter to the Capital One Finance company, the Capital One Finance, Agent stated that the actions taken by the Salesman ( XXXX XXXX was illegal and said that the Resolution Dept. Of Capital One Finance company will launch an investigation of the matter, which they did not do. I respectfully submit to you with a great deal of certainty that there is a pattern of ( fraud, deception, and false misrepresentation by omission of facts in violation of truth in their lending laws ; at least to vulnerable Veterans, seniors and perhaps other disenfranchised citizens of XXXX XXXX county. I am currently receiving medical treatments for stage XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX caused by the actions of the XXXX Dealership have taken an extreme toll on my medical condition and the quality of my life. I have made several attempts to amicably resolve this matter by reaching out to the XXXX Dealership, to no avail. I respectfully requests that an amicable resolution be reached by CFPB. Thank you. 1. Sales Tactics 2.Term Changes
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

LA

Customer service / Customer relations

Credit card:

Complaint: Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-02

Wallington, NJ

Billing disputes

Credit card:

Complaint: It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-02

Clayton, MO

Other

Credit card:

Complaint: For 8 weeks, I have been entering my ID and password CORRECTLY. But, Capital One WebSite, keeps flashing " sending to your account '' then a web page announces " We have hit a snag '' please try again later. This has been going on for 8 weeks on all XXXX of my accounts. 5 weeks ago, someone from the tech department very ignorantly deleted all my security questions. The tech department would not reverse their actions. Three weeks ago, I entered all new questions and answers. Today, the same problem occurred and the tech department demanded that I change the security questions again INSTEAD of Capital One fixing the REAL PROBLEM. I called Capital One 's Headquarters and requested a vice-president of the credit card department but ignorantly as Capital One is ; the secretary sent me back to the very doofus customer service department. I WILL ONLY COMMUNICATE WITHA VICE-PRESIDENT AND NO OTHER STAFF. If not acceptable by Capital One, I want a {$30000.00} payment from Capital One just to have me communicate with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Boloxi, MS

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Casselberry, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Baton Rouge, LA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-01

E Fairfield, VT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Casa Grande, AZ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Gastonia, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Winston Salem, NC

Other

Credit card:

Complaint: CAPITAL ONE BANK MADE TWO HARD INQUIRES ON MY XXXX CREDIT REPORT THAT I DIDNT CONSENT TO
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Eskridge, KS

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Clayton, MO

Other

Credit card:

Complaint: I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. I know longer want to do business with such a Despicable company. Capital One is Dishonest and they hurt their Customer Credit Scores. Waiting to hear from you. XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Waupun, WI

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-31

Coconut Grove, FL

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-08-31

Chicago, IL

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-31

Johns Creek, GA

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Friendly, WV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Brooklyn, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Orion Twp, MI

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Brea, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.
Company Response: Closed with explanation

Disputed: Yes Timely Response