CAPITAL ONE FINANCIAL CORPORATION

2016-08-15

Bedford, TX

Delinquent account

Credit card:

Complaint: I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Las Vegas, NV

Billing disputes

Credit card:

Complaint: Capital one promised to call and never did they no they are committing a mega crime, I was XXXX asap or i am filing criminal charges. It has been a week and I have not received payment of {$2000.00} and all XXXX card remain in collections. This will not only not go away until amount paid in full by XXXX XXXX, XXXX, but my four years of extreme loss due to CAPITAL ONE behavior has also cost me countless hours, and my time is worth something to me I will start adding {$100.00} a day late fees as of XXXX XXXX, XXXX. I have been patient for you to do the right thing long enough, this endless stalling, half baked excuses and backwoods theatrics are all I can take. I am a consumer that life is on mend due to XXXX incidents in which CAPITAL ONE played a large part in creating more issues on top. I am documenting everything as I try to move forward and below you will see a list of things including MEDIA PRESS RELEASES to inform other CAPITAL ONE users and consumers, SENATOR office and the like, showing a copy of this letter and my proof, as well as hold you personally responsible for this unlawful and unjust behavior. FDIC and OCC was in receipt of the same XXXX page letter as you and after their review they submitted CAPITAL ONE also to CONSUMERFINANCE.GOV. I have spent a better part of FOUR years trying to resolve these issues, and there are more than XXXX issues. I have also been told that CAPITAL ONE has had more complaints than any other CREDIT CARD company and a lot of them were made right around same time I stopped using the cards in XXXX and you also had over XXXX class action lawsuits similar in nature. Please bare that in mind as you remember that I have tried working with CAPITAL ONE and not only are my issues similar as ones reported, but I have more of the average. Let me also remind you, CAPITAL ONE was given IDENTITY THEFT papers. That I also made regular payments on time, and often. And, that I called and personally canceled the cards and then sent in a last payment. Which I did not have to do with FTC {$50.00} liability per card used. I am listing the issues below, all of which I have proof and our witnesses for, and CAPITAL ONE has had its time to take care of this the amount of my loss, is inconceivable to what XXXX reported SECURED cards ontio of being beaten repeatedly by gangsters then identity theft and robbed of all possessions. If I do not get CAPITAL ONE immediate cooperation with {$2000.00} payment and XXXX cards out of collections, I will have to take drastic measures. I will be submitting this letter to ever ATTORNEY GENERAL OFFICE, ever financial website, every government agency, the FDIC and OCC will get a copy on top of their records as well as CONSUMERFINANCE.GOV where I will be reporting in several different areas as well as XXXX XXXX, and this will go to the law firms who recently had a class action lawsuit with CAPITAL ONE as well as any other law firm handles these matters. I wanted to work with you guys but it 's been several years and I know you are just doing your job, but as you see below, EVERYTHING, I REPEAT, everything below is exactly what happened, and CAPITAL ONE has not even admitted to one of these issues, rather try to find as many issues you think you can with me, to avoid all the irregular activity CAPTIAL ONE was doing. I am not looking for a rebuttal, just the {$2000.00} settlement and XXXX cards out of collections, unless I find out that XXXX XXXX did make a payment to you guys in which I know in next day or so and that be added to {$2000.00}. All these issues I have sent to CAPITAL ONE in past and have been verified as solid consumer issues in which CAPITAL ONE IS RESPONSIBLE, if CAPITAL ONE is gon na go through this list in hopes to find one that seems like it 's a grey area for you to use to try to wiggle out of this,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-15

New Britain, CT

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: This person called my father on several occasions ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) and left him messages about me. I did not give his number to this person. I have not received any phone calls to my phone at all.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Chicago, IL

Billing disputes

Credit card:

Complaint: My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

Jersey City, NJ

Closing/Cancelling account

Credit card:

Complaint: I had a credit Card with Capital One making payments on time. The autorized user charged the card for a vehicle rental that was extended beyond the time. The bill ran up to {$1500.00} that was not avail on the card. The Capital One still approved the charge after I informed them that the charge was being paid in Bankruptcy. I made several request to deny the charge and reverse the charge. I submitted proof that the charge was being paid through bankruptcy and they ignored my letters and responded that my request was over 90 days which is incorrect. This charge remains on my account causing negative actions on my report. I was advised by the bankruptcy court that they should reverse the charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

Rocky Ridge, MD

Late fee

Credit card:

Complaint: In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-14

Moapa, NV

Billing disputes

Credit card:

Complaint: I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-14

Fort Worth, TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: On XXXX XXXX XXXX XXXX sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Brooklyn Heights, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Conyers, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Castle Point, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Nyc, NY

Other

Credit card:

Complaint: In XXXX 2015 I applied for a Capital One card online and a hard inquiry was done on XXXX XXXX. I was told that I would receive a letter in the mail in a few days with their decision. From the end of XXXX through the end of XXXX I never heard back from Capital One in regards to my application. I called them on XXXX XXXX 2015 and explained to the specialist over the phone that I had never received any letters from them. It turns out that they were sending the letters to my residential address ( where I currently can not receive mail, instead of my mailing address, a XXXX XXXX that was provided, saying they need proof of income. The specialist told me that my deadline to submit proof of income was XXXX XXXX 2015 and provided with me with a fax number to send my documents to. I emailed my employer about the proof of income and I was given the income letter on XXXX XXXX. That same day I went to a XXXX copy center to fax the information. I followed up with Capital One that night and over the next few days and was told they received my documents via fax and that I was approved for the card. We found out that one of the specialists did n't change the mailing address. I always provide my mailing address over the phone if I 'm unable to enter the information online. I did n't receive my approval email until XXXX XXXX 2015 and I did n't get my card for a while after that. The issue is that after I faxed my proof of income, Capital One did a hard inquiry on XXXX XXXX 2015 for the same application from back in XXXX. I NEVER sent another application in XXXX. Since XXXX 2015 I been fighting Capital One, contacting them numerous times by mail and phone, explaining what happened and how my credit was affected twice for the same card. I requested for the hard inquiry on XXXX XXXX 2015 to be removed as the hard inquiry on XXXX XXXX 2015 was truly used for my credit card approval. Capital One has refused to do a proper investigation and provide details and results of that investigation. They continue to refuse and ignore my request. This is the only way I can get in touch : I write a letter providing proof, they sent you an automatic letter about opting out of inquiries that has nothing to do with your case and does n't even state they 've received your dispute, and that 's it. I have to call THEM, request a supervisor, ask a supervisor to escalate the issue, and if they actually did it, then you wait for that department to call. They call you ONCE, if you 're are n't there, they leave a general voicemail and claim they have reached out several times.They simply leave a " note '' on my account saying the inquiries are valid and that 's it! In my last two detailed dispute letters I sent to Capital One, I sent them extensive proof supporting my position. Since we used my domestic partner 's XXXX card to pay for the fax, I contacted my domestic partner 's bank and our cell phone carrier to help me with this. I have two call logs showing several calls between Capital One and myself. You can see on the call details log for my number showing I spoke with Capital One on XXXX XXXX 2015 at XXXX. That was the same night I emailed my manager at XXXX asking her to give me the proof of income letter. You can then see several follow up calls to Capital One made from my phone and also using my partner 's phone. Lastly, on the bank statement you can see the XXXX purchase of when we went to fax the income letter to Capital One on XXXX XXXX 2015. We paid {$4.00} to have those documents faxed. They refuse to remove the inquiry and claim they have done a proper investigation without providing me any details or results. I spoke with a supervisor today who refused to escalate the issue. I need access to my recorded phone conversation on XXXX XXXX 2015 at XXXX. Then you can hear the specialist telling me the deadline date.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-13

Leeton, UT

Billing disputes

Credit card:

Complaint: I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Elsmere, DE

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-12

Gastonia, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Queens, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-12

Matthews, NC

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

DE

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX I tried to log into my Capital One Credit Card Online Banking, I could n't because the system told me it was blocked. When I called the customer service department, one representative told me : My account has been closed because was market as fraud from the XXXX credit bureau, upon a dispute that I 've filled up for a late payment that still was showing up in my credit report since XXXX 2015, after a year ago when I was making all my payments on time. They told me I have to call them ( XXXX ) so they can send them ( Capital one ) a letter so they can open my account once again. I called XXXX and they told me I have to call Capital One once again because they have nothing to do with that. I have to get in contact with XXXX operators and XXXX managers at Capital One, XXXX operators and XXXX managers at XXXX, plus the uncomfortable waiting time ( Approximated 10 minutes for each person ) And NO ONE, NOBODY could give me a reasonable answer of WHY they 've closed my account? From : You have to contact the credit bureau, we ca n't give you an answer, you have to contact them and then we 'll see if we can re-open it, sir I have told you 4 times I CAN NOT GIVE YOU AN ANSWER to the phone hanging up at Capital One twice. I had such an awful night, without mention that that night I need it to send some money to my mother in XXXX XXXX and the only way I could do it was with my credit card. In top of everything, without any explanation they shut down my credit score to XXXX, when I was paying my credit card on time since XX/XX/2015 to fix my credit score. So, because I could n't have an answer, a letter, a message, or a simple justification from Capital One, nor from XXXX I only can ask to my self something .... Did they closed my account because I was paying on time and they was n't making any money out of me? Did they closed my account because I was paying some collection bills to fix my credit with the same credit card I was as well paying on time, every 15 days? I wish someone could give me an answer, because at the end of the day, the results of building and fixing my credit score, turns into a nightmare for me and I totally get the opposite results, because now I do n't have credit and I have to start all over again thanks to Capital One and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Boynton Beach, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

MD

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. How can your complaint be satisfactorily addressed? The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Austin, TX

Customer service / Customer relations

Credit card:

Complaint: I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-12

Denver, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Gallatin, TN

Unsolicited issuance of credit card

Credit card:

Complaint: On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Columbia, SC

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Oxford, GA

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, XXXX, my husband and I called Capital One to close our credit card. We paid the outstanding balance of {$99.00} by debit card and closed the account. Now six months later, we applied for a new mortgage and after 3 days and many hours of calling Capital One found out that the payment in XX/XX/XXXX did not go through because they had mistakenly tried to take it out of an old XXXX XXXX XXXX account that they had on file which was closed in XXXX. It was our XXXX XXXX account, where all of the most recent payments had been made from that they should have taken the payment from. Without ever receiving any notification by email, letter or phone call, that the payment did not go through or that there was still an outstanding balance, we were informed by our mortgage company that suddenly in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Capital One started reporting our status as late. Even though they have record in their own files that it was closed in XX/XX/XXXX and that payment had been attempted. They then agreed to listen to the phone call to determine how the mistake had been made by the agent. After " supposedly '' listening to the call they informed us that they decided that they would not remove the lates and refused to give us any details of the phone call or the reasons why. We could not have possibly verbally given them the account # for the XXXX account because we had not used that account for over 4 years. I say " supposedly '' because they were unable to give us any details of the phone call and why they made that decision. This was clearly a mistake by the agent over the phone and we feel that it is unethical for them to ruin our credit report and prevent us from buying our dream home because of their error. Our payment history was perfect up until we closed this account and we still have a different Capital One Venture card which also has perfect payment history. In fact, on the same day, we closed a XXXX Capital One card which was also showing up as late XX/XX/XXXX, which upon further review in the last few days, they realized that it had not been late, was paid on time and then closed, so they agreed to remove that incorrect late status within 24 hours. The last agent I spoke with, was rude and cold and just kept repeating the same thing, that even though he did not know " why '', they " have concluded that is was not their fault and that they would not be removing the lates. '' To be treated so badly by a company that we have paid thousands of dollars to over the years is outrageous. Regardless of whether or not they admit their mistake and take responsibility for it, all agree that there was a mistake and confusion of some kind in regard to payment attempted in XX/XX/XXXX and shows " closed ''. This agent said he was the " top guy '' and this his boss did not speak to customers. And basically had an attitude of disrespect and blatantly did not care about the situation and the fact that his company, through no fault of our own, has negatively impacted our financial situation and has kept us from being able to finance and buy our dream home. This is unjust that they should have so much power over our financial future. This hardship that they have caused is devastating and will affect our lives negatively for years to come. It seems to me that they should have some legal obligation to contact a person who tried to make a payment and close account before they begin to report to the credit bureau. He stated that I " should '' have received statements by email, which I did not. If they were willing to remove the other error, regardless of who takes the blame for this nightmare, I do not understand why they refuse to remove the errors that are destroying our credit report. We feel that we are being penalized and punished for choosing to close our credit card. We ask that they reconsider and treat us respectively as the long time customers that we are.
Company Response: Closed with explanation

Disputed: No Timely Response