CAPITAL ONE FINANCIAL CORPORATION

2016-05-09

San Ramon, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-08

Brooklyn, NY

Billing disputes

Credit card:

Complaint: Currently I am a Capital One Quick Silver Credit Card holder. withdrew {$160.00} in cash On XXXX XXXX, 2016 I made a cash withdrawal for {$160.00}. The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-08

Syringa, VA

Other

Credit card:

Complaint: My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called XXXX to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both XXXX and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-07

Manhattan, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-05-07

Manhattan, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-05-07

Ft Belvoir, VA

Billing disputes

Credit card:

Complaint: I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-07

Cooper, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-07

Detroit, MI

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: Today, I received U. S. Mail an XXXX credit disclosure, Confirmation # XXXX ; in which Capital One Bank under the context of being a " creditor '' XXXX XXXX 2016, has now circumvented the three Opt-out letters I wrote. I wrote all XXXX major credit reporting agencies - including XXXX U. S. Mail - as per the bottom of their enclosure in the " pre-approved credit card '' offers I complained to CFPB about. There is a blatant case of fraud here in impersonating a current creditor/debtor relationship to sneak into my credit report when no business relationship exists. I have never applied for any of the approximately XXXX bogus offers of credit. I have opted out before this was put on my credit report - in black and white on page XXXX of XXXX for CFPB review. It is wrong. It is blatant. It is illegal. XXXX clearly distinguishes this recent credit inquiry from others that are promotional in nature and which I have since opted-out upon. FCRA requires a legitimate business reason for such activity. I have tried to stop Capital One Bank, U. S.A., N.A., Accounts Receivable, XXXX, Virginia XXXX to cease and disist all communication with me and all third parties to no avail.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-07

Chesterbrook, PA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-07

Clinton Township, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-06

Shreveport, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Los Angeles, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-06

Rochester, NY

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-05-06

Wallington, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Tacoma, WA

Credit determination

Credit card:

Complaint: I signed up for a CapitalOne card in XXXX, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in XXXX, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account due to a mistake by the credit card company. I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Ny City, NY

Balance transfer

Credit card:

Complaint: I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-05-06

IN

Advertising and marketing

Credit card:

Complaint: Capital one is harassing by sending spam paper mail communications. The opt out process is unclear and difficult. Capitol one is violating my personal privacy. Capital one is sending unsolicited harassing communications that create a threat to personal privacy. XXXX is not at the address.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Jersey City, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Capital One has been charging {$8.00} monthly fee without notice. When I opened the account I was told the account was a free checking with a monthly charge. I contact Capital One about the error and I was told " sorry '' but not refunds! I started back working part time and still receive unemployment this is a financial hardship I can not afford.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Phila, PA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Warrenton, VA

Customer service / Customer relations

Credit card:

Complaint: Was notified in a letter dated XXXX XXXX by capital one visa my " card information may have been stolen due to a data breach at a business where I recently shopped. '' Called capital one customer service on XXXX XXXX to simply get the name of the business. Was refused the information and told I needed to contact visa customer service. When I did, they refused the information and was told i needed to conact capital one. When I spoke with a supervisor at capital one customer service was told it was policy not to give out that information. I believe I have a right to know which business in which I shop had the data breach, and obviously capital one visa knows the business name and refuses to inform me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-06

Bloomington, MN

Closing/Cancelling account

Credit card:

Complaint: Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

East Freehold, NJ

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Cloverly, MD

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-05

Wdbg, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Helena, MT

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