CAPITAL ONE FINANCIAL CORPORATION

2016-05-24

Simi Valley, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

TX

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Leeton, UT

Payoff process

Credit card:

Complaint: Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. HC
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-24

Mabank, TX

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I started a loan application with Capital One on XXXX16. Turned in all required and requested paperwork within the first 5 days. Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. I 'm going to lose this opportunity to purchase this property due to Capital One neglect. The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Hamburg, MN

Credit line increase/decrease

Credit card:

Complaint: I have been a customer of Capital One for a few years now and have XXXX credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. XXXX was receiving a message of denial stating that my payments were XXXX small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my other card has been receiving the same denial message for 15 months now. This message implies that an evaluation is being performed on the account and that at some point there will either be an increase or a reason for denial based on this evaluation. The fact that these messages started showing up after I increased the payment amount are not a coincidence. I feel that Capital One does not want to provide a legitimate reason for denial and do not have a concrete reason. The evaluation period seems to have no end. So, I contacted their customer service and their customer service was no help. All they were able to do is state that currently they are reviewing the credit limit increase policy. However, the letter does not state that they are reviewing policy ... it states that they are reviewing my account activity. So, either the letter itself is not factual or the customer service representative lied to me. I simply wanted to know when the evaluation period would end or if they could provide me with a concrete reason. I believe this is a violation of regulation B and the FCRA as I do not feel like they are providing me with sufficient reasoning for the denial of credit. I will be attaching a copy of the most recent letter I received - although they are all the same. Additionally, I am attaching the conversation I had with the customer service from Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Cheshire, OR

Credit determination

Credit card:

Complaint: In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-24

Chicago, IL

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Lancaster, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Rosenberg, TX

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-23

Severna Park, MD

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Mc Farland, WI

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Aubrey, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-23

MI

Billing disputes

Credit card:

Complaint: A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-23

Jersey City, NJ

Payoff process

Credit card:

Complaint: I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-23

So Effingham, NH

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-22

PA

Closing/Cancelling account

Credit card:

Complaint: I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Gloucester City, NJ

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. Capital one has been reporting to all XXXX credit bureaus the history of my payments. I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Chinook, MT

Credit line increase/decrease

Credit card:

Complaint: I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Agua Dulce, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-22

Pryse, KY

Other

Credit card:

Complaint: I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-21

Piscataway, NJ

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-21

Roseburg, OR

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-21

Centerton, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-21

Marina Del Rey, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response