CAPITAL ONE FINANCIAL CORPORATION

2016-08-04

Warren, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Rochester, NY

Late fee

Credit card:

Complaint: Capital One case # XXXX Agent : " XXXX '' Rep ID XXXX XXXX During my honeymoon ( XX/XX/XXXX-XX/XX/XXXX ) I was traveling outside the country ( XXXX ) and did not have the ability to submit my credit card payment on time ( Due XX/XX/XXXX ). I called once back in the USA to make payment, and to ask about the late fee being waved. I was placed on hold while the rep verified she could waive my late fee. I was told my late fee would be waved. I informed the rep that was great news, but that I would also like to INCREASE my payment from the minimum amount due to {$200.00}. The rep told me she would have to confirm with her supervisor that had I INCREASED the amount due, that she could still waive my late fee. I said OK I will wait for you to ask again, but before she placed me on hold she began to read me the authorization RSNIP to complete my payment of {$200.00}. I told her " No, I do not authorize you to process my payment until you confirm my late fee will be waved ''. The rep told me SHE HAD NO CHOICE BUT TO PROCESS MY PAYMENT BEFORE CONFIRMING THE LATE FEE WILL STILL BE WAVED. This was a clear act of discrimination based on me increasing the amount I wanted to pay. This allowed the rep to take my payment, and then place me on hold only to come back and say " we can no longer waive your late fee ''. This deceptive practice is being taught to new call center representatives at Capital One. When I spoke with her supervisor, her supervisor and I exchanged a conversation in which I told him I work in compliance at a bank and in no way what I just heard was legal or ethical. He tried to end the call and confirmed with me while I was on the phone that my payment will be processed. He never processed my payment, and not only was I still left with a late fee, my late payment was not processed. I had to try and use my card again to find out that no one processed my payment when I spoke on the phone with them for multiple hours trying to get them to take my money ( the entire basis of their organization ). I became incredibly frustrated at the deliberate attempts to affect my credit by not taking my payment ( This is all on a recorded line, they opened a case, referenced above, and agreed with me that their reps did not act accordingly ). I would like a case opened as the 2nd call I placed I was told they could not take my payment while the recorded calls were being investigated. It took a THIRD call for someone to tell me I was able to " catch up '' with the late payment ( that I had already authorized to take back in XX/XX/XXXX, but was not processed on their end ) to avoid a continual late fee. Once the case was closed, a representative called me back to confirm their rep did not follow protocol and that the only thing they could do to honor me was waive the late fee and reduce my minimum payments. I said to the guy " Are you nuts? Why would I let you lower my fee so that I would just pay MORE interest over a longer period of time? '' When my whole basis of the call was to INCREASE my mim. payment. The {$200.00} auto-pay was finally set up, but the late fee STILL IS NOT WAIVED. I can be contacted at XXXX for any related follow up necessary regarding these issues. I want to know fines involved for their blatant discrimination. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Oxford, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Austin, TX

Delinquent account

Credit card:

Complaint: In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-03

Calabasas, CA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Bullhead City, AZ

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-03

San Diego, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-03

Bohemia, NY

Customer service / Customer relations

Credit card:

Complaint: Capital one is reporting a 30 days late payment from 2 years ago on my credit reports. This is incorrect as I never had a 30 day late payment. It is also showing in the potentially negative on my reports but showing paid as agreed. This account should be showing in accounts that are saitsfactory. Having this incorrect information reporting on my reports is causing me difficutly in obtaining substantial credit as it is reflecting negatively on my credit score. I have contacted capital one several times in requesting that this information be corrected and updated. I was told that it would be corrected that was month 's ago. I just checked my credit reports and it is still not corrected. I am submitting this complaint because I do n't seem to be getting anywhere with capital one. I have never been late in paying this credit card especially more than 30 days and it is from 2 years ago.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-03

Coon Rapids, MN

Billing disputes

Credit card:

Complaint: Purchased merchandise on XXXX from XXXX in the amount of {$750.00}. Merchandise came damaged. I contacted XXXX on XXXX and XXXX ( to remind them ) and reported the damage and asked to be refunded. XXXX did not pick up the merchandise. I disputed the charge with Capital One on XXXX XXXX, XXXX. Capital One reversed the charge on XXXX XXXX, XXXX. The merchant sent a print out of the order showing the order number, purchase date, items and quantities purchased. They further sent a print off from XXXX showing the damaged merchandise delivered. And finally they sent a credit card transaction log showing the details of the charge being authorized and approved. The merchant provided no rebuttal or repsonse to why they did not pick up the damaged merchandise or if they even attempted to pick up the damaged merchandise. Nor did the merchant refute that I had contacted them stating the merchandise was damaged. On XXXX XXXX, XXXX Capital One writes me and stated that the merchant provided the above documentation thus they were rebilling my account {$750.00}. Capital One has violated Federal Law and owes me a penalty of {$1000.00}. My complaint pertains to the handling of my dispute under the XXXX, Truth in Lending, Regulation Z and applicable case law. The facts in this case are rather simple. I ordered merchandise. The merchandise came damaged. I contacted the merchant rejecting the merchandise by stating it is damaged and requesting the merchant to pick it up. The merchant agreed to pick it up and credit but did not. This same scenerio has been reviewed in the courts as far back as XXXX. Capital One knows this but is not following established law. In this case Capital One ignored the law and made me go beyond what was required by physcially sending back the merchandise. All while Capital One rebilled my account and demanded payment. A clear violation of Federal Law. See XXXX v. The XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Missouri Supreme Court applying Truth in Lending, Fair Credit Billing Acts and Regulation Z. XXXX XXXX argued that XXXX did not properly reject the ceiling fan because he did not return it. The court disagreed saying : " a buyer that rescinds the contract and holds the merchandise as bailee for the seller is not liable for the sale price. UCC Section 400.2-602 ( XXXX ) ; XXXX XXXX, XXXX XXXX XXXX XXXX at XXXX. A buyer has no further obligations with regard to goods it has rejected. XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX citing section 400.2-602 ( 2 ) ). The seller bears the cost of return delivery. '' This case is applying the Uniform Commercial Code of which is the same in all states. In my case I clearly told Capital One that I had rejected the damaged merchandise and that the seller was free to pick it up. At the time that I informed the merchant that the merchandise was damaged and I wanted it picked up I had no further obligation. The merchant did not respond my saying they attempted to pick up the merchandise or that I refused to allow them to pick up the merchandise. With this, Capital One placed the charge back on my account and demanded payment. This is a clear violation of law. Capital One owes me a penalty of {$1000.00}. XXXX XXXX v XXXX Bank XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-03

Jupiter, FL

Delinquent account

Credit card:

Complaint: WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Chicago, IL

Billing statement

Credit card:

Complaint: after a wrongful eviction that interfered with my employment XXXX XXXX, XXXX, etc. lawsuit I was living in a third rate hotel as I worked as a pro se litigant. I took out a Capital One credit card because they approached me with a mail. I had a pre-authorization for credit. Little did I know that within a few months the terms and conditions would change. I was offered the opportunity to opt-out. I did, but it was never recognized. The time period was about XX/XX/XXXX-XX/XX/XXXX. The account number is MasterCard Platinum XXXX. I had an overcharge of {$0.00} while on Social Security Benefits and I was about XXXX XXXX XXXX, unemployed albeit for acting as a non-attorney in the Federal Court, XXXX vs. State of California, et al, XXXX, published at XXXX vs. XXXX XXXX XXXX XXXX, et al, XXXX XXXX XXXX. XXXX, foot note XXXX. I tried to make sense out of the overcharge saying I was protection under regulation Z, Truth in Lending Act, finance charges were illegal. But the credit was sold, and the debt buyer has n't let me off the hook. This is illegal under the FCPA, etc. Dodd Frank Act. On XXXX XXXX, XXXX XXXX, 2010, I have a statement for {$1300.00} which has grown since accruing finance charges. Please permanently remove this credit reporting and balance once and for all and compensate me for the violation three times what they say I owe, restore my credit in full, under the full faith and credit clause of the U.S. Constitution, and pay me attorney fees, and post-interest, any judicial reward I am entitled to for the humiliation of a weaponized shame in credit agency reports with XXXX, XXXX, and XXXX XXXX. Also realize I am now XXXX years old, still waiting for a final review in my XXXX, and XXXX litigations because the wrong agency sent out the right to sue letter and determination for a state employee ( EEOC instead of DOJ ). I am still under severe poverty of only Social Security Benefits and Food Stamps. They claim the APR is 21.150 %. I never agreed to the debt buyer. They have no proof of indebtedness on an old debt sold and resold over the time period.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-03

Gr, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: When I signed up for this credit card I was told and reassured several times about certain " service protection plans '' I paid for monthly would cover me in the event of any accidents or unexpected short comings. Job-loss and unemployment protection was XXXX of them, I paid my bill monthly and kept it current. Then my employer unfortunately had to closed down and I was left unemployed. Still continuing to pay with what I had to give, I was under the impression by what the company representatives previously told me, that my protection plans I was paying for since day XXXX would kick in for me. I apparently was wrong, not only did they use misleading tactics to get me to pay for a service that was more money out of my pocket but it did absolutely NOTHING that they had previously told me that it would do, or cover! This is beyond unethical and morally corrupt as a major company to be misguiding its customers for profit like they did me. At the end of the day I could not afford to keep up and instead of taking care of the issue like the " service protection plan '' promised they sent me to several debt collectors until ultimately being sued for it, having to pay several other fees in addition to the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-03

KY

Unauthorized transactions/trans. issues

Prepaid card: Gift or merchant card

Complaint: In XXXX, I made a large purchase at Kohls.com that was subsequently cancelled by the retailer. While the order was successfully cancelled, the gift card that I used was not refunded and was drained in full to the tune of {$250.00}. In my initial conversation with them on XXXX/XXXX/16, I was told the gift card was being refunded and the funds would be available the next day. This was a conversation with a gentleman named XXXX in the order review department. One week later, the funds were still not available. I called back to the same department and spoke with a woman named XXXX and I was told that the gift card was accidentally XXXX out and that another one would be issued to me and mailed within 30 days. While I did complain about the length of time, they said this was their policy. I waited more than the 30 days and again called to inquire about my gift card ( XXXX/XXXX/16 ). At this time, I was told there were no notes on the account and that nothing had happened with the card since the last time I called. The supervisor apologized and said a card was going to be mailed out. I again waited another 30 days with no card. On XXXX/XXXX/16, I called the same department and spoke with a gentleman by the name of XXXX. He said that the card had still not been sent and he was very sorry. He said that he would personally ensure that it was handled and would call me to follow up on the process. He also assured me that I would receive the refunded gift card in XXXX business days. Today is XXXX/XXXX/2016 and not only did I not receive a call back from him or update on the process, but the card has still not been received. This is fraudulent business practices and I am beyond angry with this process. Kohl 's has had the {$250.00} from my gift card since XXXX, over 4 months.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

South Florida, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Canton, OH

Payoff process

Credit card:

Complaint: My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Brooksville, FL

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Valrico, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

N Bethesda, MD

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-02

New Britain, CT

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-02

Bel Alton, MD

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Dolton, IL

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

2016-08-02

Northdale, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Bellevue, WA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response