CAPITAL ONE FINANCIAL CORPORATION

2016-06-09

South Florida, FL

Billing statement

Credit card:

Complaint: For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-09

Lubbock, 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

2016-06-09

Evesboro, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-09

Dallas, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Someone is delaying my deposits and also freezing my bank cards
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Murray, UT

Other

Credit card:

Complaint: i am writing to you about a dispute i filed with my capital one card.i paid a company XXXX on XXXX XXXX the company name is XXXX.i was issued a credit on XXXX XXXX iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what XXXX sent in.i tried on several occasions to talk to capital one but it seems nobody would listen.this company also promised me a grant which i also found out was fraud.i am the victim and the customer but capital still lets them operate with a merchant account to commit fraud.why do they not have to prove what they did for such a ridiculous amount.i do not feel capital one even did an ounce of investigating.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Wonder Lake, IL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: On XXXX Capital One accounts with XXXX and XXXX I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

San Francisco, CA

Billing disputes

Credit card:

Complaint: I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Bayonne, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Philadelphia, PA

Other fee

Credit card:

Complaint: I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-08

Las Vegas, NV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-08

Portsmouth, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Buena Park, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Bartlett, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-08

Heathrow, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Eden Prairie, MN

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

South Florida, FL

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

N Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

ND

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as " debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan, which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income, how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance, and Capital One is writing it off, how is it legal for Capital One to still say we owe it?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Juniper Hills, CA

Late fee

Credit card:

Complaint: Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Glendale, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Longview, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-06-08

Houston, TX

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-07

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-07

Milton, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-07

Metairie, LA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response