CAPITAL ONE FINANCIAL CORPORATION

2016-05-30

Silver Spring, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-30

Sangerville, ME

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-30

Spring Hill, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-30

NJ

Late fee

Credit card:

Complaint: I have a Department Store Credit Card. The " due date '' on my card is the XXXX of the month. I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. The statement closed on XX/XX/XXXX, 2 days later. On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. But, I was still charged an interest on the Late Fee. I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-29

Katonah, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-29

NC

APR or interest rate

Credit card:

Complaint: I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-29

Mount Holly, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am behind in my car payment. I received a call from the company today. The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. I called the number they provided but no one is there to take my call. They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-29

IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-29

TX

Other transaction issues

Money transfers: International money transfer

Complaint: On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-29

Clarksville, MO

Other

Credit card:

Complaint: I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-28

Piscataway, NJ

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-28

Glendora, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-28

Hollywood, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-28

Baldwinsville, NY

Billing disputes

Credit card:

Complaint: Capital one could n't find a record of the card in question
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-28

MA

Other

Credit card:

Complaint: Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). So, consumer beware. ( What 's NOT in my wallet? )
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-28

Stevenson, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I called on XXXX XXXX, 2016 I called Capital One Bank to place a stop payment, they put the stop payment in and charged me a {$35.00} stop payment fee for XXXX XXXX in the amount of {$140.00}. When I check my account on XXXX XXXX, 2016 I saw that the transaction was pending in my account, I spoke with a manager by the name of XXXX who assured me that the transaction will reject at processing and my funds will be available in the morning. When I checked my account on XXXX XXXX, 2016 the transaction posted to the account and I was charged a {$35.00} overdraft fee. I called and spoke with a manager and she told me that the transaction had to post and that the funds will be available Tuesday because of the holiday. I explained to her that I was told something different. I hung the phone up called back and spoke with a manager by the name of XXXX who told me that the transaction should have stopped and I have to speak with someone in claims to file a claim. She then transferred me to claims and I spoke with XXXX who told me that it would take 10 business days for the money to go back in my account after they complete their investigation. I explained to her that, that was unacceptable I had no money and I should not be inconvenienced because Capital one made an error, I then spoke with her Supervisor who in turn said that I would have to wait 10 business days. I then asked for the number to the office and he got me back over to XXXX who said that she took down my information but it was nothing they could do about getting my funds back sooner. This is the second time that this has happened with Capital one Bank, it 's the holiday weekend and I have no money due to there negligence and they wo n't do nothing to correct their mistake. The customer has suffer and be penalized for Capital One Bank 's error
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-28

Winton, CA

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-27

Palos Park, IL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Denham Spgs, LA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Rawsonville, MI

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-27

Bristol, RI

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Manhattan, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Addisleigh Park, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-27

FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: 3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Churchville, PA

Transaction issue

Credit card:

Complaint: Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.
Company Response: Closed with explanation

Disputed: No Timely Response