CAPITAL ONE FINANCIAL CORPORATION

2016-07-19

East Brooklyn, CT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In looking over the documents you sent, not only did you skip over the main issue all together, but I can assure you, your research, which I appreciate, is not accurate. # 1, I do have proof that there was a card in the name of XXXX sent to my house on my account, I had a witness present. # 2 As well, I did not have a card with CAPITAL ONE that was not secure, card ending XXXX was indeed a secured card. We did not have any cards at the time that were not secured. # 3. On every account, I made my payments on time. And just to make mention of XXXX card, on card XXXX, the amount of deposit was XXXX for a XXXX credit. You were in possession of the XXXX security deposit and I made XXXX payment. The cards are not unlimited cards in that we went well over the XXXX balance. So If I had a XXXX deposit, and I made a payment of XXXX, Assuming that I did use the whole balance on the card, then the card balance would have only been {$170.00} in which the XXXX deposit should have taken care of that in which you would have owed me money. The issue, is all the cards, I see that I made a payment after, and each card had a secured deposit of well over half of the value of the card, and I must assure you that we did not have a XXXX card that was unsecured. # 4. I spoke to a FRAUD person on the phone, and I canceled the cards due to identity theft issues, not only was there a witness, in XXXX 2012, we had witnesses tell us that our CAPITAL ONE credit cards were being used by someone who had stolen the cards. A police report was made and you were notified. I have over hundred emails and faxes and several companies had tried to get a hold of you. # 5 Furthermore, on XXXX XXXX, 2012, we had our whole entire apartment robbed, and we were also beaten on the property, as well as our personal records, and such were taken as well as several of our CAPITAL ONE CARDS. So when we filled out the police reports we not only put the cards in the report, we faxed CAPITAL ONE a copy of this XX/XX/XXXX, and we had already closed the accounts, as I said, we talked to the FRAUD DEPARTMENT as I said. So, all the letters sent after the accounts were closed I am not sure I understand, we put down {$600.00} on the {$750.00} card ending XXXX, if you look at the date, it was XX/XX/XXXX, it was first card I got, it makes common sense that it would have been a secured card too as I did not qualify for any other card from CAPITAL ONE at the time. Card ending XXXX XXXX deposit, XXXX limit, and and I paid {$330.00} after closing card. So, XXXX plus XXXX is {$750.00} and the secured cards do n't go over the amount the card has limit for. So, {$930.00} you were in possession of for the {$750.00} card on close. And that is even if the bill was at {$750.00} at close I already explained card ending in XXXX, and the other XXXX follow. I made payments all the way through, I paid balances of a couple times a months on each card. And I made a payment a day or so after closing accounts in good faith bringing the account balances back, even though the cards were in others possessions and used without our consent, I still made the effort to CAPITAL ONE. On all XXXX cards, I put {$1900.00} secured deposit, and all together the cards only equaled a value of {$2500.00}. so, if at best, I was to have owed anything it would have been {$600.00}. But, as I looked at the statements, I noticed something peculiar, CAPITAL ONE re applied well over $! 000 's of dollars in purchase adjustments after the accounts were closed and I made my last payment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-19

Hon, HI

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Flushing, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Anaheim, CA

Other

Credit card:

Complaint: I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Louisville, KY

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-18

E Rockland Key, FL

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-18

Churchville, PA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Orange Park, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

San Francisco, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-17

Hamburg, MN

Delinquent account

Credit card:

Complaint: I would Like to File a complaint on Capital one bank inference to reporting negative info to the major credit reporting agencies. I have sent them proof of payments and they still claim that my payments were late. Capital One is in violation on the FCRA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-17

Tarzana, CA

Billing statement

Credit card:

Complaint: I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-16

Flower Mound, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-16

Portland, OR

Customer service / Customer relations

Credit card:

Complaint: Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

Daly City, CA

Advertising and marketing

Credit card:

Complaint: The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-15

N Las Vegas, NV

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-15

Jacksonville, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

VA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We ( my husband and I ) refinanced our mortgage loan with CapitalOne. We closed on XX/XX/XXXX. Capitalone did not pay off our prior mortgage until XX/XX/XXXX-7 days later. We thus paid interest on both loans for a week. When I called our CapitalOne POC to discuss this, he said he had heard something about there being a glitch and delay in paying off some prior mortgages, that he would look into it, and if there was a late payoff as I described, he would reimburse us the extra interest we had paid. I then never heard back and never received a reimbursement check, despite leaving many phone messages asking for a status report and call back.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-15

Cheverly, MD

Overlimit fee

Credit card:

Complaint: In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Mesa, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Detroit, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Riverdale, GA

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-14

Fort Walton Beach, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Christiana, DE

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-14

Anderson, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response