CAPITAL ONE FINANCIAL CORPORATION

2016-08-02

Sebring, FL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-02

Brighton, CO

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Cathedral City, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

N San Juan, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Main Office, VA

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Shulerville, SC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Rosenhayn, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-02

Corinth, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Houston, TX

Closing/Cancelling account

Credit card:

Complaint: I applied for a secured credit card with Capital One. I was approved and I initiated a deposit much higher than requested for a larger line. During the deposit process, their system went down and when it came back up it did n't confirm that the deposit had gone through, so I started over and did the whole process again. This time it gave me confirmation and I thought all was fine. Well, come to find out after the fact, the first deposit went through so they had it twice. Should n't be a big deal, right? Wrong ... .I contacted them and told them of the issue and was told that once they have the funds they ca n't return them if I want the card. The said if I wanted the funds back I 'd either have to totally cancel the card or I could go to my bank and put a stop payment on XXXX of the deposits. So, that 's what I did ... I put a stop payment on XXXX of the deposits. Instead of correcting the situation it only made it worse. When I received the card, I called the number on the front to activate it and was immediately kicked over to the fraud department. They proceeded to tell me that there was now a problem with the card because of XXXX of the deposits being returned. I informed them that was what I was instructed to do. They said that someone in the backroom was handling it and they would send them an e-mail to call me. I never received a call so after a few days I called again and got the same story but asked to speak to a supervisor. He said there was nothing he could do that it was being investigated by the " magical '' back room '' and they would contact me. Again, no contact other than a letter stating my credit card line had been decreased in half because of a partial return of deposit which was correct. Since I received that letter I thought all was fine ... .wrong. I activated the card and tried to use it and was declined. I called Capital One and they informed me the account was closed. Huh ... what? so I asked to speak to a supervisor and after going round and round with her for 30 minutes was told they had sent my other deposit back and the account was closed. I told her I had n't received the funds back which she confirm with Capital One bank. I told her all I wanted was a credit card so transfer my information to a new account and take the deposit again. She told me that could only be decided by the " back room '' and they would have to call me. XXXX from the supposed " back room '' called back 3 days later and said there was nothing that can be done and if I wanted a new account that I could apply. That sent me into a rage ... I told her I did n't want another inquiry on my account and she said that 's the way they process .... ( IT 'S A SECURED CARD ) where 's the risk anyway? She proceeded to tell me this was not their mistake and that I caused the whole incident by stopping a payment on XXXX of the unauthorized deposit debits. What a XXXX that 's the instructions they have given me ... I asked to speak to someone over her and she refused stating she did n't have to give me anyone 's name to discuss this with. She kept telling me to be professional which only incited me more as she kept reading her script. So now, I have no credit card and I have yet to receive my XXXX deposit back which they mailed. Why would they mail it when I bank with them? They act like they 're not part of the same organization. These people are arrogant, condescending, and have no clue how to rectify a situation that was caused by them twice, once with their system going down and then the second time when they told me to put a stop payment on XXXX of them. If you 're looking for a secured credit card then avoid these folks.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

Murphy, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I will be filing criminal charges against CAPITAL ONE CREDIT CARD if they not comply. 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 XX/XX/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 XX/XX/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 catastrophic 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 XX/XX/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, the issues I first present are the only ones that should have mattered and CAPTIAL ONE
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

Dearborn, MI

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Seattle, WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was contacted via email by Capitol One at XXXX PDT on XXXX/XXXX/16 regarding potential fraudulent charges. In fact, they were in the amounts of {$900.00}, {$950.00}, and {$8.00}, which maxed out the limit of the master card. After filing the necessary information with Capitol One, they credited the account for the charges plus all associated fees. But, they refused to release the available credit pending the investigation up to 90 days. So basically, I 'm being punished for fraud and have XXXX available funds to the card for 90 days. Given that I have contacted the businesses involved, gotten the suspects physical description from a business and subsequently filed a police report, spoken to multiple police agencies where the fraud occurred, filed this report ; I do n't see why I 'm being punished for this fraud.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

GA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: In an attempt to resolve a customer service issue with Capital One Bank ( XXXX, VA ), I submitted a complaint to the XXXX, which is now closed. In their response to the XXXX, they submitted personal information in the form of my account application which included my name, DOB, SSN, and address. This information was unnecessary to disclose and should have been redacted. When I expressed concern to Capital One about the mishandling of my information, they told me I had authorized release of such information and that they were compliant with federal law. I believe they have violated my protection by law and wish to express that complaint to a government entity so that others are not impacted by such oversights in the future. I am particularly angry because I experienced identity theft at the same time as they mishandled my information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Lewisville, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

PA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Washington, DC

Closing/Cancelling account

Credit card:

Complaint: I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Saint Clair, MO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Berkeley Lake, GA

Unexpected/Other fees

Other financial service: Debt settlement

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Great Bend, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Ritter, SC

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Berkeley Lake, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

San Diego, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Doral, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response