CAPITAL ONE FINANCIAL CORPORATION

2016-05-18

Kendall, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Calumet Park, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

N Natick, MA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Columbia, SC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Amalga, UT

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-18

Bow Mar, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Jamaica, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-18

Russell, IA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Norwalk, CA

Billing disputes

Credit card:

Complaint: Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. The reason is that merchant is failed to performance service described according to master card charge back code XXXX. I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. I would like to reopen the dispute and get the money back from the XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Ogden, UT

Unsolicited issuance of credit card

Credit card:

Complaint: On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Collegeville, PA

Billing disputes

Credit card:

Complaint: On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Vernon, WI

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

New Britain, CT

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Geneva, IL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Middletown, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Gloucester City, NJ

Closing/Cancelling account

Credit card:

Complaint: I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know, but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed, no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

S Salt Lake, UT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Bueche, LA

Other

Credit card:

Complaint: The following inquires are on my credit report and I did NOT give approval or permission to run my credit. I 've sent letter to the creditors and the Bureaus and have not heard back from them. These inquires needs to be REMOVED. XXXX XXXX, 2015 XXXX XXXX, 2015 Bank Creditor Contact Details CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please help me in getting these items deleted. I 've tried all I can.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Cheverly, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-17

Eastchester, NY

Delinquent account

Credit card:

Complaint: On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. I 've never missed a late payment with any of my credit cards. This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-17

Irvine, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-17

Chicago, IL

Transaction issue

Credit card:

Complaint: I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Bloomfield, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-16

Dallas, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response