CAPITAL ONE FINANCIAL CORPORATION

2016-08-16

Chandler Hts, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Leesburg, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Flushing, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Tracy, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Baltimore, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-16

Kiryas Joel, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-16

Howland, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-16

Carlsbad, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Describe what happened so we can understand the issue ... I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Austin, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Kenner, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Saint Clair, MO

Credit line increase/decrease

Credit card:

Complaint: I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other XXXX companies increased from {$800.00} to {$6000.00}. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is {$25.00} and I was paying {$60.00}. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my account was paid off and they still did not do it, so it is not because I have a balance on it right now.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Garrett Park, MD

Closing/Cancelling account

Credit card:

Complaint: Capital One recently canceled my credit card without providing me with an explanation. Capital one called me two weeks ago and said there was suspected fraud related to my card and I needed to upload personal documents online in order to verify my identity. The documents requested were : a copy of my passport, the front and back of my social security card, and a bank statement. I provided the documents through their online portal and received a call the next day notifying me that I should call them. When I called them I was told that my account was permanently suspended because of fraud related activity. I asked them for an explanation, but was told they can not provide XXXX. I asked why a fraud investigation was being conducted in the first place and I was told they can not tell me. Prior to receiving the initial call there was no suspicious activity on my account. I 've held a card with Capital One since 2007. In the end the only answer they gave me was " I 'm sorry Sir your card is permenantly suspended, you may apply for a new card. '' My concern is two-fold. First, I deserve an explanation for why my account is being canceled. I 've never had a late payment the entire time I 've held the card. Second, if Capital One did indeed find fraud related to my account I would like to know so that I can take action to ensure my other accounts are no compromised. What can I do to obtain information as to why my account was canceled?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-16

Accokeek, MD

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-16

NC

Unsolicited issuance of credit card

Credit card:

Complaint: Capital One-I had an account with them years ago. I paid it off and asked them to close the account. They instead sent me a new one with an annual fee charge. I asked them remove that and close the account. They said they did-I had already cut up the card. Much later, I received a bill and it had XXXX charges on it. I did n't make those charges. I have sent them a registered letter and spoke to a few people. I get calls daily-I do n't answer them. I tried calling the fraud department and all they do is send me to collections.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-16

Fitchburg, WI

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-15

Interchange Square, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

La Place, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Dallas, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-15

Colver, PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Interchange Square, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Tierra Buena, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Bostonia, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Dayton, OH

Transaction issue

Credit card:

Complaint: Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Dubberly, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response