CAPITAL ONE FINANCIAL CORPORATION

2016-08-18

Colts Neck, NJ

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-18

Gretna, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My husband & I had an existing mortgage with Capital One Bank & we refinanced it recently to get a better interest rate. I explained to Capital One that we needed the payment date to be on the XX/XX/XXXX, because my husband got paid on XX/XX/XXXX and I got paid on XX/XX/XXXX. When we went to close on the loan on XXXX XXXX, we noticed the payment due date was XXXX XXXX. We explained that would not work as the money would NOT be available on XX/XX/XXXX and we offered to delay the closing, so we could get the payment date we needed. XXXX XXXX with Capital One assured us that we could go ahead and close on the loan and she would CHANGE the payment due date to XX/XX/XXXX, so we agreed and closed. The payments were set up to be electronically deducted from our checking account on XX/XX/XXXX. Both XXXX XXXX and XXXX with Capital One promised me that under no circumstances would they over draft the account. If the money was not in the account on XX/XX/XXXX it would automatically cancel out the electronic payment. I had no reason not to believe them. So on XXXX XXXX I attempted to use my debit card to buy a {$1.00} bottle of water and the transaction was declined. I could not understand why because I was promised several times that Capital One would not overdraft my account. I checked my account and it was over drawn because the loan payment had been deducted from the account. I called the local branch and spoke to XXXX complaining and raising XXXX because she had said that would not happen and she told me to chill out and said at midnight the charges would be REVERSED since the funds were not available and the account would not be over drawn. That was the THIRD LIE I WAS TOLD. I was promised they would CHANGE MY PAYMENT DATE TO THE XX/XX/XXXX -that was the FIRST LIE, I WAS TOLD THEY WOULD NOT OVER DRAFT THE ACCOUNT - 2nd LIE, I WAS PROMISED THEY WOULD PUT THE FUNDS BACK AT MIDNIGHT - 3rd LIE, I was told the first time Capital One attempted to deduct the funds from my checking account and they were not available, it would automatically CANCEL out the electronic payments - 4th LIE. Fortunately, I did n't trust them after the first 3 lies and I called the XXXX number and they explained that even though the account was overdrawn in XXXX, it did not cancel the automatic payments. I was able to CANCEL the payments before the same thing happened again in XXXX. I filled a complained with the founder of Capital One and was referred to someone by the name of XXXX XXXX. She would always promised to call back on a certain date, but then NOT call back on that date. After playing telephone tag with her for several days she said, she can not change the payment date, and that she does not have a boss, because I asked her WHO ELSE I could escalate this too. I would have NEVER refinance this loan, if I had know they were lying to me about getting the payment date that I needed. Now I have this 20 year mortgage and Capital One thinks I will be happy paying my mortgage payment during the GRACE period for the life of the loan. That is NEVER going to happen! I want what I was promised. I was promised my payment date would be on the XXXX of each and every month and that is what I want. I do n't care if they have to re- do the loan or what they have to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

IA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-08-18

Indianapolis, IN

Taking/threatening an illegal action

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

Sued where didn't live/sign for debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-18

MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Bloomington, MN

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Williamston, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Hardin, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-17

Atl, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Murphy, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Buck, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Frostburg, MD

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-17

Elyria, OH

Convenience checks

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Foothill Ranch, CA

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-17

Boston, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Lynn, MA

Charged bank acct wrong day or amt

Payday loan:

Complaint: On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. Please let me know if I have any recourse with my credit card company, they have closed my case. Capital One case # XXXX Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Murray, UT

Billing statement

Credit card:

Complaint: Although Capital One states that they sent statements to me in XXXX 2016 and XXXX 2016. I never received these statements. I have been issued a 30 and 60 day late payment notification against my credit report which has negatively impacted my credit score ( I was notified by my lender while trying to refinance my home ). The late payments are for a minimum payment ( in XXXX ) and then a minimum payment with a late fee and interest. Essentially a {$67.00} past due in XXXX and {$120.00} ( XXXX past due plus late payment plus interest ) charge in XXXX. Over the course of 10 years with this card, I have always pay this card in full. The issue with the Capital One program is, if a user has a {$0.00} ( XXXX ) balance, a statement is NEVER sent out by Capital One. Essentially, a monthly statement is NOT sent out to me each month. I use this card on rare occasions so a monthly statement is n't something that I expect to see. When I received a statement in XXXX of 2016, like other months and statements, I paid the balance in full. I have spoken to Capital One to try and resolve this miscommunication, however, they have told me to, " Take it up with the credit bureaus because they sent statements and we do n't believe in reversing or removing anything that we have already submitted. And although we completely understand how this has hurt your credit, we do n't have any type of grace program that allows us to remove any late payment notifications. You can write a letter our Credit Bureau department if you still disagree with us. '' Yesterday, I noticed one of the bureaus removed the negative merit from my record. After talking to the XXXX of the credit bureaus, they advised me to contact Capital One to try understand why the negative merit was removed from one of the bureaus records, but remained on the other XXXX. Again, I was told by Capital One, " We have nothing to do with that. If you have an issue, please write a letter to our Credit Bureau department. '' I have now been trying to resolve this issue for over 3 weeks and have spent more hours than I can keep track of. Capital One 's unwillingness to work with their customers to resolve a simple miscommunication shows me that their policies and procedures are skewed to ensure they protect themselves and hurt their customers. In all my years of owning my own company and working with creditors and lenders, I have never felt so disrespected or bullied.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-17

Sherman Oaks, CA

Taking/threatening an illegal action

Debt collection: Medical

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Hardin, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-17

NJ

Billing disputes

Credit card:

Complaint: not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Sangerville, ME

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Orchards, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Wesley Chapel, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: There is an old Capital One account where I never had a an account with a limit of {$900.00}. I have disputed this item with no outcome. Please help I would like some kind of validation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-16

Bixby, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Orion Twp, MI

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response