CAPITAL ONE FINANCIAL CORPORATION

2016-08-29

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Littleville, AL

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-29

Branson, MO

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-29

Washougal, WA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-29

Clermont, 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

2016-08-29

Heer Park, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-29

Wrentham, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Clermont, 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

2016-08-29

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

Bloomfield, NJ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Falcon, CO

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

2016-08-29

Grover Beach, CA

Other

Credit card:

Complaint: On XXXX XXXX, XXXX, I purchased XXXX First Class, round trip tickets from XXXX to XXXX on XXXX using the Capital One Rewards Travel website. The tickets were purchased as a birthday present for my wife, but our entire trip was ruined by Capital One 's fraudulent activity. On Saturday, XXXX XXXX, XXXX, the day we were supposed to depart for XXXX ( after flying all the way across the country from XXXX XXXX to XXXX ), I tried to check into our flight. Once I reached the seat selection screen on XXXX 's website, I was only given the option to select Premium Economy seats notwithstanding the fact that I clearly purchased First Class tickets as evidenced by the attached reservations from the Capital One Reward Travel website. I immediately called XXXX to ask why I could not check into First Class, and they said the tickets in their reservation system showed up as Premium Economy, not First Class. The XXXX agent said I would need to discuss the discrepancy with whomever I purchased the tickets from. I immediately called the Capital One phone number listed on my reservation receipt and spoke with XXXX XXXX, Agent Sign XXXX in XXXX, PA. I explained the problem and asked that she put us in First Class on the flight we were booked on, or the other direct XXXX flight scheduled earlier that same day. After spending over an hour on the phone, XXXX told me that despite my reservations clearly stating that I purchased First Class tickets, there must have been a computer error and she could not do anything for me. I then asked to speak with a supervisor, and she refused. XXXX then proceeded to tell me that my only choices were to accept a refund or pay to upgrade my tickets from Premium Economy to First Class!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-29

Sangerville, ME

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-29

Ferryville, WI

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

San Antonio, TX

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

2016-08-29

Bethlehem, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-29

Denver, CO

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

East Selah, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-28

Wallington, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Leming, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Atl, GA

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-28

SD

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Scottsdale, AZ

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

South Elgin, IL

Other

Credit card:

Complaint: At the end of XXXX of XXXX I have lost my job, I have phoned capital one and asked if they could work postpone my payment for couple of month until i find a new job. I have always been on time with my payments as a matter of fact I have always payed my balance in full in less than a year XXXX they have increased limits on XXXX of my accounts from {$500.00} to {$2700.00} send me and offer to open an new account, gave me a {$2000.00} limit and because i never had a balance and whatever I bought on my credit card paid 5 min later via phone app the Capital one have increased my limit in less than 4 month to {$4000.00}. Sadly life happens I lost a job at the end of XX/XX/XXXX and my boyfriend died of XXXX. Our money were in XXXX account. I phoned Capital one on the same day that i have been laid off, and informed them of the tragic situation I was in. The individual ( male ) I spoke with said that they I still have to pay the minimum payment however I will not be charge any interest fees etc? I have phone my late boyfriends parents and told them that auto payments are scheduled for specific days, they refused to give me my money, but they promised me that the {$120.00} which the individual I spoke on the phone said I will need to pay on on XXXX account ( total of {$250.00} ) for XXXX will be in the XXXX XXXX I also purchased insurance on XXXX credit cards ( which of course no one can find at this point ) but how could I not after what happened in XXXX, I would never wanted to take any risk my trust with credit cards its slim to none. I have seen people lives destroyed, and ruined to to credit companies I would never sign up for a credit card with out insurance, still Capital One could n't find any insurance which was about XXXX on each {$1.00} i spend. Today I phoned to ask how come i ca n't use my credit cards, and I was told the my life has been destroyed by capital one and XXXX of my credit cards were closed. The moment I informed them that I have lost a job, my credit card were closed, and they said it was because my payments were returned, which I was never informed, and when I spoke to the agent in may he has never ever ever ever ever informed me about any of my payments being returned. I have paid payments from the same account I have always did, I have been a great customer of Capital One until I lost my job and was honest about it. My late boyfriends parents promised me that there will be money in our accounts for me to pay my bills and and the bill has been payed. I bag you this is my life this my credit when I spoke with the supervisor they said they have sand a letter about not about me not making payments, but about the account being wrong???? XXXX letter at the end of XXXX after I phoned and said I lost my job. Please help me. I beg you, I will pay the credit cards off, but how can they just those accounts when they have raised my credit limits from over 400 % in less than a year? Please do n't let them destroy me. I have a student loan of XXXX. XXXX, XXXX, and now they closed both of my account, when I phoned at the end of may and told the truth about losing my job. Help, please help. Where do I turn? where do I go? Where is justice for people who get laid off and are honest with credit card companies? I believed there was some reform? I volunteer, have helped those who needed help, please help me. I have worked for XXXX XXXX, and for former XXXX of XXXX of President Obama. I know that I 'm not the only XXXX being wrong. I bag you for help. Thank you kindly XXXX XXXX XXXX : XXXX XXXX : XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-28

San Francisco, CA

Closing/Cancelling account

Credit card:

Complaint: On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. I hope you are able to assist in the matter and offer any help and advice if at all possible.
Company Response: Closed with explanation

Disputed: No Timely Response