CAPITAL ONE FINANCIAL CORPORATION

2016-06-24

Nyc, NY

Other

Credit card:

Complaint: I believe I 've been the victim of a timeshare fraud in XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX I entered into an agreement with XXXX XXXX and XXXX XXXX XXXX. They agreed to pay me {$15000.00} for my residence at XXXX XXXX, which I purchased in XXXX, if I paid them {$110000.00}. The transaction was headed by a gal name XXXX XXXX and XXXX XXXX. I have included all the pertinent contact information for both XXXX XXXX and XXXX XXXX, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from XXXX XXXX. The reason I believe it is fraud, is that the same thing happened to another person with whom I had a conversation, and the exact details of my experience were the same as theirs. They employed the services of an attorney and finally were able to retrieve their money. The promise of this deal is that if I give them the {$11000.00} they will pay me {$15000.00} for my XXXX XXXX property within 90 days. The bottom line is that they get their money but for various reasons I will never see mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Medford, OR

Closing/Cancelling account

Credit card:

Complaint: I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-24

AR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-24

Coral Springs, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Harrisburg, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-23

Cadwell, GA

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Green Valley, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Harmony, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Yonkers, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Bel Alton, MD

Payoff process

Credit card:

Complaint: I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

UT

Closing/Cancelling account

Credit card:

Complaint: About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Lewisville, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Capital One mailed me an acceleration letter stating that I fail to pay my note. I pay XXXX every month on the XXXX of every month because that is all I can afford to pay since my company check out checks. I called Capital One on XXXX XXXX explaining the situation and to see if I could get a lower note every month until I was able to pay the full XXXX a month. I explained that I was looking to either refinance my loan for a smaller amount or at least get a little time until my pay raise in XXXX 2016.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-23

UT

Closing/Cancelling account

Credit card:

Complaint: About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Swiftwater, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Boca Raton, FL

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-22

Kingsley, KY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Bohemia, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Lafayette Hl, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-22

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-22

Evanston, IL

Application processing delay

Credit card:

Complaint: Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Royal Palm Beach, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

TX

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Complaint: This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Oxford, GA

Other

Credit card:

Complaint: A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. I am asking that this account be removed as it is not my account. I never applied for it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Williamston, MI

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response