CAPITAL ONE FINANCIAL CORPORATION

2016-07-08

Farmville, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

IL

Problems caused by my funds being low

Bank account or service: Savings account

Complaint: Capital One direct banking is causing me to be late on my bills, I mailed XXXX money orders totaling {$340.00} on XXXX/XXXX/16 and XXXX/XXXX/16 which I faxed over as proof to a supervisor. The website does not specify that they do not accept money orders, I did not receive back until two weeks later with a letter dated XXXX/XXXX/16 stating they do not accept money orders now I am late on several bills because I did not have the funds to replace the money orders, the manager claimed they do not accept money orders because they could be fraudulent but I actually signed my money orders and I had to put my contact information on it so this is not true. Then another manager advised me based on the type of account that I had, they ca n't accept money orders. It seems to me that no one knows what they are talking about and I also just found by supervisor on Wednesday that my account could be shut down due to government regulations because I am using this as a checking account instead of a savings account which I advised them my current checking account is overdrawn by {$450.00} due to fraud and that account is frozen. No one ever told me that until Wednesday, I feel that Capital One withheld information. I have several late fees that I have to pay plus now I am dealing with several credit reporting. I have been a customer of Capital one for 10 years, I also have a credit card with them. I also had to pay a {$28.00} wire fee and I had to take off work to do it because my bank will only do transfers from XXXX Monday through Friday, and a certified check would have been cheaper but Capital One advised me it can take up 3 days for the money to post. Most banks do not do bank wires for balances less than {$10000.00} but my bank granted me an exception. I was also advised on Wednesday that I could transfer to a XXXX checking account but I was never given that option before. This is has cost me financially I now have to try to play catch up because several of my payments were returned and now some creditors are making me do money orders with them. This is bad customer service. I also have a Capital One credit card that has put XXXX credit marks on my credit and it is past due, I need both of them removed because this was not my fault. I can fax Capital One a copy of the negative bank balance plus the wire fees, I have not been credited for all the bank return fees like I was advised that I would be.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

MN

Customer service / Customer relations

Credit card:

Complaint: I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. I asked repeatedly for an explanation why? no answer. I feel I should get a reason.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-08

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-08

FL

Other

Credit card:

Complaint: I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Indianapolis, IN

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Macon, GA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Newark, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Yelm, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-07

Castle Pines, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Houston, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

East Troy, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-07

Stamford, CT

Delinquent account

Credit card:

Complaint: The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-07

AZ

Transaction issue

Credit card:

Complaint: I was invited by my friend to attended 3 day business seminar in XXXX Arizona hosted by XXXX. The program was to boost companies to another level and ideally was to boost XXXX company to another level. We were promised in the seminar that various training would be conducted and the whole package costed a lot. I charged my Capital One credit card with an amount of {$7300.00} and that was in XXXX 2015. After the three day seminar I waited for a week to receive a call from XXXX XXXX and none was received. I signed up into the client account and inquired when the training would begin. Training started with a lady called XXXX, I questioned the training as it was a group training done via the phone and my employees including I started to question what training we were receiving as all was coming in the training had nothing to do with what was promised during the seminar. I wrote back with a complaint and told the training couch XXXX that I was going to end the training immediate and file a dispute with my credit card company as the product provided was not what I attended the business seminar for. I have several e-mail correspendence with XXXX XXXX client service couch XXXX and their customer service for complaints to the last day I pulled out of their program. I wrote to Capital One, including XXXX other banks, XXXX XXXX XXXX, XXXX and XXXX Bank where I had also charged these credit cards with XXXX XXXX program training package. I received my money back with the other banks and waited on Capital One for. All documentation was sent to Capital One within a timely manner. I waiting for their response and after waiting for so long, I called their office to see the status of my claim. Was told it was still in process, I asked why a temporary credit was not put back on my card as other credit cards companies credited my card as a temporary credit while claim was in process. Capital One did not credit me with anything, all was told was that claim was still in the process, I asked if there was any documentation to receive and sign and they advised, documentation was on the way. Seems documentation was only mailed after my call to remind them. I received a form that needed me to explain why I was filing a dispute, I completed all the information and mailed it back to Capital One with a long covering letter. I waiting for their response, none came for weeks and no temporary credit was put back on my card. I then called again as a follow up and to my surprise, I was transferred to another department and was told that the claim was closed. I asked why the claim was closed and was told because no documents were received and they had tried to call me but my phone was disconnected. I could not believe it, I told them they there is no way my phone could be disconnected, Capital One had my house phone as XXXX XXXX XXXX and my cell phone which is XXXX XXXX. I asked " Tell me which number you called ''?. They repeated my cell phone with a wrong last digit. My cell is XXXX XXXX and the person gave me a number with the last XXXX digit XXXX. The person 's name was XXXX, I told him that is not my cell phone and reason it says phone was disconnected. We argued a lot and all I was told was that the claim was closed and I have to continue making payments on my credit card. I told that XXXX that I was not going to make any payments on my credit card as they misplaced my claim documents. I tried to look for an attorney but can not afford XXXX since I run a XXXX that has no funding. Am struggling. I was referred to your organization by someone called XXXX XXXX from XXXX XXXX XXXX and I thank him. I await your response, and enclosed is a letter to Capital One after talking to their XXXX on the phone. I have other supporting documents if needed. Capital One account ending XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Arco, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Arlington, VA

Billing disputes

Credit card:

Complaint: 1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. a. CapOne ignored the papers and receipts sent previously. b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. d. I 've sent the baclground information to them five or six different times to date. 9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 11. Now the collector is taking me to court and incurred legal fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Cheverly, MD

Other

Credit card:

Complaint: Capital One is FRAUD! I have contacted them in the XXXX, MD Branch & Written letters! I had theft on all my capital one credit cards- Business & Personal were taken and used XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX exp XXXX now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account that was current and then reported that as well. I want them to remove the false reporting and fix the situation and help me! They charged XXXX in fees on a checking account that was compromised too, we need to further investigate them I bet others are taken advantage of too!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Saint Paul, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-07

Colts Neck, NJ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. The account numbers are XXXX and XXXX. There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

San Jose, CA

Transaction issue

Credit card:

Complaint: I purchased a XXXX from an XXXX seller and it was not as advertised. The product was damaged. I contacted XXXX support and they asked me to return the item back to seller and I provided both seller and XXXX with a tracking number. The tracking number for the item I shipped back is XXXX XXXX. XXXX told me they could not refund me the amount owed. The product is {$1000.00} and I paid an additional {$89.00} to ship the item back to seller. I called Capitol One and asked them to dispute the charge of {$1000.00} after I gave them the appropriate documents by email and also submitted to them the tracking number for my return. Capitol One told me I had to wait 10 business days to receive a refund. I contacted them again after 10 business days and Capitol One told me to wait another 10 business days. I feel like I will not be getting my refund of {$1000.00} especially when the tracking number proves I returned the item back to seller on XXXX XXXX, 2016 and I am still not issued a refund. Capitol One is also charging me interest charges for the amount I am disputing as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

CO

Closing/Cancelling account

Credit card:

Complaint: Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-07-07

Niantic, CT

Transaction issue

Credit card:

Complaint: The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Glendale Heights, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Waldorf, MD

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Fort Collins, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response