CAPITAL ONE FINANCIAL CORPORATION

2016-08-24

Manassas, VA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-24

Kent, WA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Ashland, KY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Scottsdale, AZ

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I had a credit card with Capital one years ago ; most of 15 years ago ; instead of them writing it off they sent to collections ; this should be illegal
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I purchased a used computer that was described as 100 % working and never had any issues. The computer I received had defected hardware and the computer was not functioning properly. After researching the problem I ended up finding out that the seller knew of the problem and had information to prove it. I contacted the seller and he continued to lie and say he never had an issue with the computer. Not getting any resolution with the seller I started a dispute with Capital one. The seller fought the chargeback, again saying he never had a problem with the computer and that the issues I was having was due to software I put on the computer. At this point Capital One said I needed a second opinion letter to basically say that there was something wrong with the computer and I was n't making it up. I took the computer to XXXX, the manufacturer, and they ran tests and found defected hardware in the computer. They also ran the serial number of the computer and found XXXX issues reported by the previous owner. XXXX of the issues was the same issue I was having. I called Capital One on XXXX XXXX, 2016 before uploading all my information and documents that was given to me by XXXX. I wanted to confirm that I had everything that was needed for the dispute. I was told at this time that my second opinion letter was good and that there should be no issues winning the dispute with the information I had. I sent my information in and was told I should get and answer in 10 working days. After 18 days and no reply from Capital One so I called in on XXXX XXXX, 2016. They said they could n't find the documents that I uploaded to them. After a supervisor got involved they found the documents. I again asked if all the documents needed were found and that everything looked good. Again I was told yes, I provided everything needed and in two weeks I should have an answer. Two weeks go by and still no word from Capital One so I called again on XXXX XXXX, 2016. This time I was told again that the information was not found and the case has not been looked at by anyone. I got a supervisor to talk to me personally this time and I told him that I uploaded them and he said, OHHHH here they are. He put me on hold to review my information. He came back and said, yes, I can see from this information that you do have a legitimate case here but your second opinion letter was missing something. I explained to him that I was told twice that the letter had all the information need. I asked that since I was never informed of the issue with the letter, what could I do to fix it. He said there was nothing that could be done because of time frames, too much time had past from when I uploaded the information. He said that if the case was reviewed when it should have been in the first two weeks, then they would have told me to get the letter fixed but since it took so long for Capital One to find my information, the time frame when things need to be finish had already past. So even though I proved that the computer I received was defected and not as describe, Capital One closed my dispute in favor of the seller. Capital One acknowledged that I was given wrong information by them and acknowledged that my dispute case was not handle in a timely matter. It is not right that I have to pay for the mistakes made by Capital One.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Greenwood, CA

Late fee

Credit card:

Complaint: I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

OH

Other

Credit card:

Complaint: For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Black Rock, AR

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Point Arena Air Force Statio, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Milwaukee, WI

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Nyc, NY

Delinquent account

Credit card:

Complaint: Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Euclid, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Wann, OK

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

2016-08-24

Arvada, CO

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-24

IL

Using a debit or ATM card

Bank account or service: Savings account

Complaint: Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-24

Okc, OK

Credit card protection / Debt protection

Credit card:

Complaint: I had unemployment insurance on my Capital One account and they marked my account late 6 times on my credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

AR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone stole wallet and was charged back amounts by Capital One
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

District Heights, MD

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Memorial Square, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. CapitalOne finally got around to ordering the property value 2 months later. It was completed on XXXX/XXXX/16 but there is a major problem - it was done for a property IN ANOTHER STATE. NOT the subject property. Attached are our call logs and a copy of the value done by CapitalOne for a property in the wrong state. To date, CapitalOne has done nothing whatsoever to obtain a value on the correct property and with each phone call prove themselves more and more incompetent and unable to answer simple logical questions. We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as order a property value for the correct property, how can anyone condone their continued existance in the real estate and financial business?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Heidelberg, MN

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

2016-08-24

Ernul, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-23

Flint, MI

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

2016-08-23

Galena, MO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Houston, TX

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response