CAPITAL ONE FINANCIAL CORPORATION

2016-08-10

Redondo Beach, CA

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

2016-08-10

City Industry, CA

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-10

Marietta, GA

Billing disputes

Credit card:

Complaint: I am disputing a 30 day late on my XXXX credit report. I have a issue with XXXX late payment in XXXX which was a little bit after I moved from XXXX XXXX XXXX XXXX Ga XXXX to XXXX GA XXXX and also thought this was setup on automatic payments do to previous manual payments and asking to be setup on auto billing. I was unaware of any notices sent to my previous address saying that my payment was going to be late or any need of a payment due. Please remove this late payment off all credit bureaus. I really appreciate your assistance
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-10

FL

Advertising and marketing

Credit card:

Complaint: I applied for a card with Capital One in XXXX 2016, and was approved for the Platinum ( with a {$300.00} limit ), a card other than the XXXX I thought I was applying for ( the XXXX ). I was informed by email that I had been enrolled in the Credit Builder program ( an email I am no longer able to find ), the description of which states that the card does not report to the credit bureaus for the first five months, and I decided to make the best of things and keep the card, since it would have no impact for those months. The first statement did not report, but the second statement did, and due to heavy usage of the card that month, my credit scores dropped like a rock. It was at this point that I first contacted the company, on XXXX XXXX, and it took the wonderful customer service representative over an hour, and multiple times of putting me on hold, to discover that I had been moved into the Credit Steps program instead ( and, according to the representatives I spoke to today, I was placed in Credit Steps immediately and was never in Credit Builder ). The representative and I came to the conclusion that the best thing to do was to close the card, and dispute the existence of the account with the credit reporting bureaus, as a fraudulent account, due to the glitches encountered with respect to the account/program not being as expected or advertised. I was told it could take up to 60 days for the bureaus to update the information, and when they had not done so, I called Capital One back on XXXX XXXX and was then told it could be XXXX days. On XXXX XXXX, after 90 days had passed, and it was still on my reports, I called up XXXX and XXXX directly, and they were able to remove it with no hassle. XXXX refused to remove it, saying that Capital One was still reporting it to them, and that it would be back next month even if they removed it, but that they would send them an electronic letter requesting authorization to remove it. I received an email from XXXX and a letter in the mail from Capital One telling me that it was not removed, and that the account information was accurate. Since then, I have checked my credit reports, and despite XXXX and XXXX having agreed to remove the account, and removing it, it is back on both of those reports ; Capital One filed the disputes on my behalf, but continues to send the credit reporting bureaus information that contradicts those very disputes. I spoke with a Capital One online chat customer service representative this morning ( XXXX XXXX ), as I had finally given up on ever getting the account removed from my reports, and decided the best thing to do was to have it be product changed into the product that I expected that I was applying for in the first place. After going through the entire story with the representative, she told me that she could not reopen the account, because I had requested it closed, and that unfortunately she could not help me. I was told that all I could do was apply for a new card, and with Capital One querying all three credit bureaus, and refusing to remove my old account, I am certainly not going to do that ; they 've caused me enough damage. I was denied by XXXX for a card in XXXX for having XXXX too many recently opened cards ; they explicitly told me that if I had not had the Capital One card appearing on my report, that they would have approved me. Finally, before contacting the CFPB, I called Capital One 's executive customer service number just now, and was told that they can not do anything either. Furthermore, I was told that I could not have received an email telling me that I was enrolled in Builder, as Builder is something that customers are invited to apply for, not something that happens automatically upon card approval.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Albuquerque, NM

Unsolicited issuance of credit card

Credit card:

Complaint: I went bankrupt XXXX years ago. mostly credit cards debt one of which was Capitol One. after a year, I was getting offers from other credit some for {$300.00}, others were for {$1000.00} and one was {$2000.00}. what surprise me was an offer for {$10000.00} from Capitol One. I was going to sell my home but the deal fell through. My home is now in foreclosure. I foolishly borrowed {$8000.00} from Capitol One before forclosure. WHY DID THEY OFFER ME {$10000.00} CREDIT IN THE FIRST. DO I HAVE ANY RECOURSE???? THANKS FOR READING THIS
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Bay Point, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Wallington, NJ

Credit line increase/decrease

Credit card:

Complaint: Capital One keeps denying me for a Credit Line Increase for a credit card i have had with them for several years. The reason behind it according to them is " We were unable to obtain your most recent monthly payment data from credit reporting agency '' I decided to check with the XXXX credit reporting agencies and all XXXX are reporting with no issues. I have never missed a payment with Capital One and my balance is less than {$500.00} on a {$2000.00} limit. I keep getting offers to open a new card with them on the mail but somehow they insist they can not get access to my payment data when I applied for a credit limit increase. I search online and it appears this is a game Capital One is playing with several customers to basically force them to open new credit accounts.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Garden City, GA

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

2016-08-09

Midland, MI

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Prosper, TX

Closing/Cancelling account

Credit card:

Complaint: Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Bay Hills, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Prescott Valley, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

East Carolina Univ, NC

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-09

East Troy, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Baychester, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Co Spgs, CO

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Oxford, GA

Billing disputes

Credit card:

Complaint: In a nut shell, I have made XXXX purchases with same merchant and had returned the product from XXXX transaction. When I got the bill, I did not recognize XXXX transaction ( {$67.00} ) and put a disputed it, Few days later I remember as a legitimate charge. I called the bank and told them to release the money. Since I had made a return with the same merchant, the merchant had issued a credit for that transaction. The actual disputed transaction has no relation to this credit. Since I disputed the transaction through the credit card, the credit card issued a credit, but when investigated, the credit card company ran into a credit that has nothing to do with the disputed transaction. This transaction has different times and reference number etc, the merchant took the position that since the merchant has issued a credit, even though a different amount, product, time, reference etc, the credit card company rebill be the credit as a charge on my account for {$67.00}. The credit card has not released the money to the merchant nor to the consumer but put it in their pocket where it does not belong. The money must be returned to merchant and given proof to consumer to follow up with merchant or return to the consumer. thanks I have called a few times but all invain.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Chestnut Rdg, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Lakeland, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Eastchester, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I closed my account with Capital One on XXXX XXXX, 2016 due to fraud activity and overall dissatisfaction with banking services. Since that date, the account was reopened without my knowledge, and several amounts of money were able to be withdrawn ( student loans, phone bill, cable and internet bill, store credit cards ) without my knowledge. I already made all of these payments with my new bank account causing double payments, and these transactions were putting my account in a negative balance when it was supposed to be closed. I have had to endure late payment fees, returned payment fees, and daily phone calls to companies, taking away from my personal and work time. I also spent 2 hours in a branch to be told that a bank manager had " no idea how to return money to a closed account. '' This was followed by a representative on the phone asking for her manager, and the manager also telling me, " I 'm not sure if I can put funds back in a closed account but I can research it for you. '' I was also charged a minimum balance fee for a closed account and am being told I can not get a refund of my own money because the account is closed and managers are not sure how to put the money back. My biggest issue currently is that I paid XXXX XXXX where the payment was unsuccessful and I was supposed to be notified by Capital One that the funds were released back to the bank so I could use the money to repay the violations. However, I received no notification and am now being charged a late fee of {$10.00} per ticket as well as a {$3.00} service fee for both transactions. I now have to dispute these charges totaling {$26.00} with a judge, when this could have all been avoided if the bank had better communication and did not allow my account to be reopened without my knowledge. I ultimately closed this account twice, because of how easy it is for unauthorized transactions to take place on a Capital One checking account and how lightly it is taken by the bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-09

Brooklyn, NY

Billing disputes

Credit card:

Complaint: The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Atl, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Fort Lauderdale, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Cold Spring, MA

Customer service / Customer relations

Credit card:

Complaint: I contacted Capital One customer service to find out why my balance never goes down when I make every payment on time and hardly ever use the card. The man that I was speaking with was fairly pleasant through the conversation. I was not understanding what he was telling me. He said he would transfer me to someone else. As he was transferring me to another person he began cursing in English and XXXX ( XXXX ), and said something about XXXX my mother. I was so shocked I did not say a word. Once I was transferred I asked if the previous conversation was recorded and explained what happened. He said it was recorded and that they would look into it. The second representative credited me my interest for the last month for my inconvenience. I do n't feel that this is enough compensation. I did nothing to deserve being spoke to in that manner.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response