CAPITAL ONE FINANCIAL CORPORATION

2016-06-14

Fontana, CA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-06-14

Warren, MI

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-14

Hon, HI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-14

Russell, IA

Other

Credit card:

Complaint: I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-14

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I had a capital one credit card but I have paid and closed the account. It is showing in my credit report the facts.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-14

Miami, FL

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-06-14

Cheshire, OR

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Mc Kinney, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

San Antonio, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Pinellas Park, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Affton, MO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-13

Woodland, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Saginaw, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

San Francisco, CA

Balance transfer

Credit card:

Complaint: I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Cocoa, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Lomita, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

South Florida, FL

Improper use of my credit report

Credit reporting:

Received marketing offer after opted out
Complaint: Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? Thanks so much for your help in getting this hard inquiry removed from my credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-13

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

AL

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Caused a derogatory statement to go on my credit report, and me finding out through my job.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Philadelphia, PA

APR or interest rate

Credit card:

Complaint: I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

SC

Customer service / Customer relations

Credit card:

Complaint: Capital One continues to report business account and further states that I am personally liable for charges. No information supplied by Capital One to substantiate account ownership
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-13

OK

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-13

WI

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.
Company Response: Closed with explanation

Disputed: No Timely Response