CAPITAL ONE FINANCIAL CORPORATION

2016-08-28

Lynn, MA

Advertising and marketing

Credit card:

Complaint: I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Atlanta, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Bristol, RI

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-27

Stockbridge, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-27

Una, SC

Payoff process

Credit card:

Complaint: While I was working part-time between XX/XX/XXXX and XX/XX/XXXX, I began receiving numerous credit card offers from Capital One. Even though Capital One knew I was struggling financially at the time, they continued to mail offers. Obviously I was unable to pay them at the time ; however, when I began working full-time, I contacted Capital One to settle all of my accounts. I was assured this would not negatively affect my credit reports and scores. I am in the process of trying to get pre-approved for a mortgage and during that process realized Capital One in fact has reported all of these accounts as negative items on my reports. I have attempted to have these items removed by disputing through the credit bureaus with no luck. I find that it is poor practice on Capital One 's part to prey on those who are struggling and introduce them to a cycle of debt. While they are still reporting these items as negative on my credit reports, they continue to mail credit card offers to me. They clearly do not care about the consumer. It is not fair that they are allowed to report negative items on my credit report yet they continue to send me credit card offers multiple times. I ask that Capital One delete all of the negative items with all XXXX credit reporting bureaus ( XXXX, XXXX, and XXXX ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Clayton, MO

Other

Credit card:

Complaint: I paid my credit card on time and paid the balance in full every month. Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. Waiting to hear you. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Plymouth, FL

Other

Credit card:

Complaint: I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-27

NY

Billing disputes

Credit card:

Complaint: I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-27

NJ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Oakland, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Lake City, WA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-26

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Manhattan, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Washington, DC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

MI

Other

Credit card:

Complaint: We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-26

Orion Twp, MI

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

WI

Billing disputes

Credit card:

Complaint: I purchased a car from a private party for personal us on XXXX using my CAPITAL ONE credit card via XXXX. The car was delivered without a title and numerous undisclosed issues the worst being a rusted out frame. I contacted the seller and he refused to allow me to return the item or correct any of the issues the car had. I filed a dispute through my card company. XXXX and the seller responded. My card company ( capital one ) gave me a list of things I needed to provide in response to keep the dispute open. I completed more than they asked for except for one item which was simply impossible for me to provide, that being " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem could be corrected and at what cost ''. This was a private party sale, there is no comparable merchant that I can provide a written statement from on company letterhead. I contacted Capital One and the rep told me that is just standard wording, explain in your response why it can not be provided and that should be fine. I did that in my letter, since it 's impossible to provide. Furthermore, the seller did not deny the issues the car had, I provided photos of the rusted out frame and seller simply said 'it 's still worth what you paid for it '. I then get a letter from Capital One stating my submission lacks 'all the previously requested information ' meaning the 'second opinion ' letter on company letterhead which was not possible sincere is no comparable merchant on a private party sale and the seller did not deny the condition of the car. My contention is the request was impossible to provide leaving me sitting with a car, no title, and rusted out frame ... ... ... and out {$1500.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

NY

APR or interest rate

Credit card:

Complaint: back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Oxford, GA

Credit card protection / Debt protection

Credit card:

Complaint: I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Bayonne, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Columbus, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Waterbury, CT

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-25

Akron, OH

Excessive fees

Other financial service: Debt settlement

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Lynn, MA

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

2016-08-25

Beachmont, MA

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