CAPITAL ONE FINANCIAL CORPORATION

2016-05-21

San Jacinto, CA

Advertising and marketing

Credit card:

Complaint: I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Warrenton, VA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Pittsburgh, PA

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-20

Bloomington, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone either applied at capital 1 in my name or capital 1 ran my credit themselves, I DID N'T AUTHORIZE IT.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Houston, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have several accounts with Capital One Bank, so on XXXX/XXXX/16 I went to a Branch location to send an International wire transfer for {$27000.00}. I provided a printed sheet with all the necessary information clearly listed, & the employee filled out the Capital One wire transfer request form. He told the wire would take " up to XXXX business days '', even though every other financial insitution I have used, usually process such wires in only XXXX3 days. I was charged a {$40.00} fee for the transaction. I began contacting the receipient bank on XXXX & continued daily through XXXX, 14 days after initiating the wire transfer, to confirm arrival of the funds, but was told no funds had ever arrived. On XXXX I called the bank & spoke with the Branch Manager, who said he would check & get back to me, which he did not do. I finally went to the Branch on XXXX, & was told that the employee who had handled the original transfer on XXXX, had " failed '' to complete the transaction properly so nothing had been done for 15 days. Capital One simply ignored the fact that a {$27000.00} transfer had even been inititated, let alone remain uncompleted for 15 days, & felt no need to contact the customer. Apparently there are ZERO internal audit controls at Capital One, & their employees are so very poorly trained that they are basically clueless about any function other than accpeting basic deposits. The Branch Manager apologized for the lack of professionalism of the employee who had bungled the original transfer, & asked me to let him " personally '' handle the issue, & he would refund the {$40.00} charge since it was a bank error. I agreed. The Manager was then provided the EXACT SAME information sheet as the XXXX employee, & he filled out a XXXX Capital One wire request form, & again told me it would take " up to10 days ''. The {$27000.00} was then deducted from my account on XXXX. I began checking daily with the recipient bank on XXXX XXXX, but the funds had still not arrived by XXXX XXXX, so I contacted the Branch Manager, who was " absolutely & totally CLUELESS '' about what to do. He kept asking me to " simply wait '' & to " keep checking with the recipient bank ''. When no funds had arrived by XXXX XXXX, I contacted the Branch Manager & told him to return the {$27000.00} to my account, & I would have another bank handled the transaction. In response to my request for a refund, I was told NO refund would be forthcoming " until AFTER the bank initiated a search '', which could, AGAIN, " take up to 10 business days. Over the next 7 days we made REPEATED contacts to the Capital One Branch Manager, but were consistently told to " wait '' while they continued their tracking search. On XXXX XXXX I went online to " again '' check my account & noted that " miraculously '' a deposit of {$26.00}, XXXX had been posted as a deposit to my account on XXXX - 7 days earlier. Capital One apparently, unethically, if not illegally, back-dated a deposit date, because we have email messages from the Branch Manager on XXXX, XXXX & XXXX stating they were still " investigating '' the transaction. I contacted the Branch Manager on XXXX & demanded that the {$660.00} be returned to my account, & he responded that the difference was for a " bank fee '' by the " recipient bank '' due to incorrect information. A complete & total fabrication & lie. The recipient bank NEVER received the funds.And 100 % of the necessary information was provided to Capital One not once, but twice. In addition, I learned that Capital One uses XXXX for their International Transfers. I took the EXACT SAME information sheet to Capital One on XXXX & the funds were received by the recipient bank on XXXX. I am due {$660.00} from Capital One, for a transaction that was NEVER completed, which their Branch Manager has categorically lied about. Dishonest employees should NOT be allowed to remain with an FDIC insured financial institution.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

CA

Billing disputes

Credit card:

Complaint: I rented a car from XXXX in XXXX XXXX at an agreed upon price, picked it up at XXXX XXXX XXXX in CT, and returned it to XXXX XXXX XXXX in XXXX.When I got home I realized I had been overcharged for the rental. Payment was with my Capital One Visa card. I requested a refund from XXXX, and on XXXX XXXX, I received an email from XXXX indicating that " a refund has been applied, please allow sufficient time [ sic ]. '' A credit never appeared on my Visa account, so after further inquiry of XXXX I received an email dated XXXX XXXX, XXXX, informing me that " a credit has been applied and too please allow sufficient time for the {$340.00} to apply to the visa card on file. '' It has been almost XXXX months since I rented the car, and my Visa account has yet been credited with the refund promised by XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-19

Helena, MT

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-05-19

Danbury, NH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Alton, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Royal Palm Beach, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-19

Cedar City, UT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Flushing, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-19

Kalamazoo, MI

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

San Diego, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

South Florida, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-19

NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Asheville, NC

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-05-19

Wonder Lake, IL

Forbearance / Workout plans

Credit card:

Complaint: While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 2. What collection agencies have been assigned to the account. 3. Proof the debt is still owed, including information from the assigned debt collectors. If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Jersey City, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-19

Irving, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Magnolia, TX

APR or interest rate

Credit card:

Complaint: I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-19

Brunswick, GA

Other

Credit card:

Complaint: MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Mcdonough, GA

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

N Natick, MA

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