CAPITAL ONE FINANCIAL CORPORATION

2016-06-27

Newark, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Houston, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Barrett Parkway, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Abbott, MS

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Oak Lane, PA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Bremen, GA

Credit line increase/decrease

Credit card:

Complaint: I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-26

FL

Advertising and marketing

Credit card:

Complaint: An unauthorized credit inquiry was made on all XXXX reporting agencies by capital one. I continue to get solicitation from this company even after I requested that they stop
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-26

Bloomington, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been receiving harassing, threatening and XXXX threats telephone calls from Capital One Bank representatives in regards to a credit card account and debt of {$320.00} I do not owe. The account or debt do not belong to me. I have never applied for a Capital One Bank credit card. I am a victim of identity theft.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Coon Rapids, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-25

Lewisville, TX

Unsolicited issuance of credit card

Credit card:

Complaint: My husband and I had an Identity Theft problem which effected several areas, someone had taken payday loans out of our local bank, this was resolved by the bank internally, and the bank drew back over {$5000.00} from the payday loan companies to replace the money they had taken. Several credit card companies also harrassed us for some time, we reported the problem to the Federal Trade Commission, the A.G. office, and we filed Identity theft forms with several agencies. XXXX XXXX has now filed a lawsuit on a credir card company, Capital One who wrote off the claim, and sold collection rights XXXX XXXX XXXX. The XXXX XXXX from Capital One was issued in XX/XX/XXXX, that is the card that we are being sued for an amount of about {$1800.00}. Capital One issued a Capital One credit card to my wife in XX/XX/XXXX, why would the same credit card company issue another card when the other card, different number issued again in XX/XX/XXXX. We asked XXXX XXXX to produce a signed application document with Capital One to prove that my wife never signed for the credit card we are being sued for, they never provided this or a complete paper trail we asked for, what else can we do? XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

Grand View, ID

Other

Credit card:

Complaint: I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

N Valley Stream, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-25

NV

Closing/Cancelling account

Credit card:

Complaint: My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

Chattanooga, TN

Billing disputes

Credit card:

Complaint: Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-25

IL

Application processing delay

Credit card:

Complaint: Capital One takes centuries to approve a new credit card. The agony does n't end there-almost a month since i was informed about my card being mailed to me and nobody has a clue where the credit card is.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-24

Providence, RI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Castle Point, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Centreville, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-24

Other transaction issues

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

NY

Closing/Cancelling account

Credit card:

Complaint: After eleven years in business, my partner and I were forced to close our company on XXXX/XXXX/16 due to insurmountable financial difficulties as a result of the economic downturn over the past several years. Since the company was an XXXX, I was responsible for all credit cards where my name appeared on the card along with the company name. Both my partner and I each had several credit cards to deal with. Since the company had no assets whatsoever, I contacted each of the credit card companies and all were resolved except XXXX, Capital One which I first contacted on XXXX/XXXX/16 in an attempt to secure Debt Forgiveness in the form of a settlement so that I could begin to move on and deal with additional company issues. I was told on that date that XXXX XXXX could not offer a settlement " at this time '' because the account was not overdue long enough. I then called back on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Over the course of these calls, I spoke to approximately XXXX different reps / supervisors and more than once I spoke to the same person twice. I was told on XXXX that in order for my request to be considered I should write a letter and fax or mail it to the General Correspondence Department at Cap 1 explaining my circumstances which I did and I faxed it to that department on XXXX. Two days later I received a letter from Cap 1 saying that they were " unable to fulfill my request through written correspondence '' and that I should contact them at the XXXX # listed below. When I called, the merry go round started all over again. I have spent approximately XXXX15 hours in total on the telephone with various reps and account supervisors with no resolution in sight. Not one of these reps / supervisors ( I was told ) was authorized to negotiate a settlement nor could they transfer me to anyone who could nor could they give me a reason as to why my request could not be resolved except to say a settlement was not on offer " at this time ''. In essence, they have been stalling while my interest rate has increased by 13 % causing the total of my bill to increase significantly as well. Maybe this is their strategy. Despite the fact that I am retired, collecting Social Security ( not even the maximum ) and without a pension, Cap 1 refuses to negotiate with me in good faith. This is in complete contrast to what they claim on their website regarding Debt Settlement. It appears that Cap 1 is misrepresenting their policies and is engaging in unfair business practices. Insofar as all our other creditors have met us half way, I never expected my dealings with Capital One to be so difficult and stressful. The manner in which they do business with their customers who fall on hard times is appalling and abusive. All of their reps seem to be reading from a script / talking points, unable to offer any help whatsoever. They all say the same thing, " no offer is available at this time ''. So, " at this time '', I am exactly where I was when I started except that I am now further in debt to Capital One.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-24

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I submitted a short sale package along with an offer to Capital One Bank on XXXX XXXX, 2016. A review to participate in a short sale was completed on XXXX XXXX, 2016. As of that date, the file is in the process of being assigned to a negotiator and nothing has happened in reference to an actual review of the offer. It has been 15 business days of inactivity and we can lose the prospective buyer because of their inaction.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Tarpon Spgs, FL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-24

N Hollywood, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Southern Pnes, NC

Delinquent account

Credit card:

Complaint: Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response