CAPITAL ONE FINANCIAL CORPORATION

2016-08-01

Stkn, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

China Lake, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Amherst, OH

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Talleyville, DE

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Bloomington, MN

Advertising and marketing

Credit card:

Complaint: I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Wann, OK

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

FL

Unsolicited issuance of credit card

Credit card:

Complaint: Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. This letter could have started fraud and identity theft.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Oxford, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Orchard Mines, IL

Credit card protection / Debt protection

Credit card:

Complaint: I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-01

Laveen, AZ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Azwell, WA

Customer service / Customer relations

Credit card:

Complaint: a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-01

Colts Neck, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.
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

2016-07-31

Russell, IA

Billing disputes

Credit card:

Complaint: My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-31

TX

Advertising and marketing

Credit card:

Complaint: Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-31

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-31

San Francisco, CA

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Dallas, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Ross Corners, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Seneca, SC

Taking/threatening an illegal action

Debt collection: Medical

Threatened to sue on too old debt
Complaint: Female called, verified my name and last XXXX SSN, sd this is about pending lawsuit from Capital One XXXX XXXX for XXXX procedure that I stopped paying in XXXX. Caller ID indicated she was in South Carolina, but I now believe it was SPOOFED ID. XXXX XXXX XXXX appears to be in XXXX, XXXX She advised if I did not make some arrangements today, Cap One would proceed with lawsuit. Asked if she knew the XXXX Statute of Limitations. She did n't even know what the term meant. Educated her it is THREE YEARS and that the SOL is expired. She stated they would go ahead and file and then XXXX. The use of CID SPOOFING is also illegal in attempt to collect a debt.The CID read : XXXX, XXXX XXXX. I initiated a trace, but XXXX XXXX can not release info to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Moreno Valley, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Bryan, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Arleta, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-29

Riverview, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response