CAPITAL ONE FINANCIAL CORPORATION

2016-07-14

Ottawa Hills, OH

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Atlantic Beach, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Fontana, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Katonah, NY

Billing disputes

Credit card:

Complaint: I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Penn Yan, NY

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Soquel, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Urgent! 1. The BANK FORECLOSURE SALE is scheduled for XXXX XXXX, 2016, in three weeks! 2. The bank is not cooperating with me. 3. The bank is sabotaging mortgage modification by delaying and requiring more irrelevant documents. 4. That 's the only roof for my XXXX kids and me. 5. The bank is causing me severe hardship. 6. The bank is forcing me to file bankruptcy. 7. My ex-husband is the borrower on the mortgage and I am the co-borrower. 8. I am employed and can afford monthly mortgage if it is modified. 9. I definitely qualify for Obama mortgage modification program. I am still in the process of divorce, a XXXX single mom, with XXXX minor children, need your help to save the roof for my kids and me. My ex-husband and I have been the owners of the house for almost 20 years. 3 years ago he left the house without any child/spousal support and any help to pay mortgage. The house was put in foreclosure with the BANK FORECLOSURE SALE scheduled XXXX XXXX, 2016 regardless the fact that I found a good paying job, working from home due to my XXXX, and was successfully paying mortgage for many months. A couple of months ago the bank told me that foreclosure could be postponed if I apply for mortgage modification but they keep on asking for more documents. I did apply and by now I have submitted close to XXXX documents. In addition, now the bank is asking for my ex-husband 's tax return and income and expense, which he refused to submit. He is unemployed currently and has nothing to do with my mortgage modification application. I am financially sound and I am the one to apply for mortgage modification.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Discovery Bay, CA

Customer service / Customer relations

Credit card:

Complaint: We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Sylvester, GA

Other

Credit card:

Complaint: I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

PA

Closing/Cancelling account

Credit card:

Complaint: I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-14

Chandler, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Bullhead City, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-13

Cloud Lake, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Phoenix, AZ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-07-13

Conyers, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-13

Charlotte, NC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Yorktown, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Ft Lauderdale, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XX/XX/2016 my husband was involved in a red-light accident, through no fault of his own, in which the vehicle was totaled. This vehicle was leased with Capital One Auto Loan division. The insurance company paid fair market value to Capital One, leaving us with a {$2500.00} balance. We did not receive any information from Capital One and found that our online account had been closed. We contacted the bank and found that we have about 120 days to pay the remaining balance. I explained to the agent that this was not possible as this would raise our monthly payment to over $ XXXX/month, double the amount than our normal monthly payment, and that this would be a financial hardship for us. I asked for an extension, and was told that none is available and that once the time-frame runs out, the account would be reported to the credit bureau as a charge off. This is completely unfair. My husband was at a red light, and a teenager texting and driving slammed into our vehicle. My husband has sustained serious injuries and is frequently out of work due to the injuries. We have a young child in day care, and have our normal monthly bills to still take care of. I asked for a XXXX to call me back to see what could be done, and I have not been called back as of yet.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Lewisville, TX

Billing disputes

Credit card:

Complaint: When I first applied for my Capital One card, I was told that if I 'd made timely payments on it for 6 months, I would be eligible for a credit limit increase. After making 6 months of timely payments, I saw no increase. I was XXXX for training with the XXXX XXXX soon thereafter, and missed a payment deadline ( as I had no access to a cell phone or internet device ). I contacted a member of my XXXX XXXX XXXX ( financial assistance ), who relayed my concerns to Capital One. It was my assumption that Capital One would understand my circumstances ( that my inability to pay was due to no fault of my own ), and reflect this information on my credit score, after I had paid my balance. Upon paying my balance, my credit score reflects XXXX late payment in XXXX, similar to as if I had simply not cared about paying for my credit card statement. My credit score suffered. In early XXXX, I authorized an auto-bill pay on this Capital One card. I was in the process of receiving a new debit card from XXXX XXXX when my payment was due for Capital One. My payment was declined and bounced back to Capital One, who never informed me that my payment had bounced. When I saw twice my credit limit being charged for next month 's bill, I sought to dispute the transaction. Only after ( two or three months later ) I had gone to the physical branch, did they tell me my payment had not cleared and that I was being assessed two months worth of credit card debt. I then paid, but after my credit score dropped significantly.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Beyersville, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Debt was already paid. Have n't heard anything back from collection company therefore concerned for my personal information and wrongful reporting.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-13

Wallington, NJ

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

OR

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Every week for the past 3 weeks, Capital One has called me on my mobile phone asking to speak to my ex-boyfriend ( who I am no longer in contact with ) regarding a " business matter ''. The first time they called ( XXXX/XXXX/16 ), I explained that I did n't know how to contact him and I asked them to remove my number from their list. They said they got my mobile number from an online database, and they would remove me. The second week ( XXXX/XXXX/16 XXXX, I talked to a different rep from Capital One named XXXX. Again, I told them to remove me from their list and asked why I had n't been removed yet. She said she was a new person assigned to his case and did n't know I had asked to be removed. I told them it was illegal for them to call me more than once after I asked them to stop calling me. They assured me I would be removed from their list and they would n't call again. Today, XXXX, I received yet another call from Capital One looking for my ex-boyfriend, this time from XXXX. I explained that this was the third time I was being contacted, and that it was illegal for them to continue to contact me. The rep said she was just assigned to his case and did n't see any notes about me asking to be removed from the list. I asked to speak to her manager. I spoke to XXXX and explained the situation. She also did not see any notes about me asking to be removed from their database. I told her they were in violation of the Debt Collection Practices Act and that I would be reporting Capital one to the Consumer Financial Protection Bureau. She said she would remove me from the list. I got a direct phone number to the supervisor 's line to use if I received any more calls.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-13

Miami, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

ME

Delinquent account

Credit card:

Complaint: As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?
Company Response: Closed with explanation

Disputed: No Timely Response