CAPITAL ONE FINANCIAL CORPORATION

2016-06-12

Flushing, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-12

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-12

Brown Mountain Beach, NC

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-12

Houston, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-06-12

Port Richey, FL

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-11

Phila, PA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-11

Colts Neck, NJ

Rewards

Credit card:

Complaint: I have new credit cards from CAPITAL One Bank, I was miles reward program which was converted in XXXX $ cash bonus if I spend XXXX $ during 3 months, I call several time to CPAITAL One award department and customer service told me that I was approved. I spend during 3 month around XXXX $ but never restive a XXXX cash bonus. Please help me with this issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-11

IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Galena, NV

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-10

Alton, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Tyrone, NM

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-10

IN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-10

KS

Payoff process

Credit card:

Complaint: I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Washington, DC

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I 've just learned that when a person uses Capital One online Billpay they are at risk of having their money stolen by Capital One. Here 's how : When you approve an online bill payment the amount is debited from your account the moment you click " send ''. Then a check is sent to the payee. However, if 90 days pass and that check has not been cashed or deposited Capital One never returns the money to the customer / PAYER 's account and never notifies the customer. They just keep the amount of the transaction. Forever. I 've just had this confirmed by a manager at Capital One. When I pressed him on Capital One therefore basically getting to keep my money he said " no its in limbo '' but that is not true. The amount still remains on Capital One 's books as an asset because the money has never been transfered to another financial institution as would happen when the check was deposited or cashed and the cashing or depositing institution requests the funds from Capital One. Not only is this practice fraudulent but when questioned on it Capital One counted on my ignorance of how banking works to lie to me about how they benefit from the policy. In addition, while Capital One will never return your undistributed funds, the PAYEE only has 90 days to cash or deposit the check. You would think that after that same 90 days the funds would go back to the Customer / PAYER, but this is not the case. Therefore, in essence, every time you send out a check with Capital One 's online billpay, an invisible 90 day timer starts, and when it 's up the PAYEE ca n't collect, the PAYER is never notified, and Capital One gets to keep the customer 's funds. I have been informed by Capital One 's representatives that if you call and ask them to give the money back, they will, after charging you a fee. But If the PAYEE never informs you that they either did n't receive or deposit/cash the check Capital One never informs you, so you do n't even know to call and ask for your money back. Then they get to keep it. I 'm sure the combination of this policy, the lack of any notification from Capital One, and how they benefit is just a coincidence. The basic form of this situation is : 1. I ask Capital One to perform a financial transaction for me ( Bill Pay ) 2. Capital one debits the amount of the transaction from my account. 3. The financial transaction does not complete within 90 days ( The Payee never receives or claims the funds ) 4. Capital one never notifies the customer that the transaction did not complete and never returns the funds. How can this policy and order of events, confirmed by Capital One, be described as anything other than fraud?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Wake Forest, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This is XXXX of XXXX debts reported on my credit report, This complaint is directed to Capital One Bank NA ( as shown on my credit report ) listed under a court docket, it is stated " satisfied ''. However, this judgment was not mine. I had contacted the courthouse in regards to this and tried to get it removed but was told only the creditor could remove it since they were the ones reporting the information. I do not understand how this is possible since I would think that a social security number would need to match the associated name with the account as well as the court docket. I had tried my best to dispute this claim and actually made several attempts to get this removed with the credit bureaus and nothing was done. I spent a good work week worth of hours trying to get this resolved, but there is only so much i can do since I am working XXXX hours a week. I was not contacted at all by the creditor. I was not contacted to confirm any information reported. No letter of notice was sent out and was not given any opportunity to resolve the issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

FL

Balance transfer

Credit card:

Complaint: I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: my bank is letting fraud checks through even after i made them aware and froze my account
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-09

Kansas City, MO

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Clio, MI

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Fairbanks, AK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Glenmont, OH

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-06-09

Dunnellon, FL

Making/receiving payments, sending money

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-09

Hanceville, AL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Mount Pleasant, SC

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response