CAPITAL ONE FINANCIAL CORPORATION

2016-05-05

Flint, MI

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

Pinellas Park, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

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

2016-05-05

Fayetteville, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-05

Nyc, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-05

Silver Spring, MD

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Merrick, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Eldorado, WI

APR or interest rate

Credit card:

Complaint: I got a credit card from Capital One, then due a variety of unexpected events I ended up with a higher balance than I intended. I understood when I got the card that I would have 0 % interest until XX/XX/2016, after that I would start paying interest on any balance after that time. Because of this I began pursuing other methods of paying my balance in a more manageable fashion than dealing with the oncoming high interest rates of this card. I then received an offer from Capital One regarding balance transfers. I called to ask questions about the offer and to see if it would affect my current balance. The person I talked to said the offer would n't affect my current balance, but that was irrelevant because I would never have to pay any interest on my balance anyway. This was news to me so I had him further clarify. He then told me that only purchases after XXXX XXXX would incur interest, and that any regular purchases I made before that date would not ever incur interest. I then stopped perusing other methods of paying off the balance, and made other purchases on the card. However, after XXXX XXXX I saw I had a substantial interest charge on my account. I called Capitol One to dispute it because I had n't made purchases on the card from XXXX XXXX onward. The person said that it was the interest on my entire balance. I explained what had been told to me during my last call and she thought I simply did n't understand what my terms were, but I made it very clear that I did understand how my card worked. I said that if they were to go back and listen to the conversation I had with the representative, they would clearly hear him explain that I would not be paying interest on regular purchases before XXXX XXXX. She said there was nothing she could do, so I asked to speak to a manager. The manager said that he would waive that interest change, then the call dropped. When I called back they said I would n't be able to speak to that manager again, but they could get another manager for me. When the new manager got on the phone she also claimed that I simply misunderstood how credit cards worked and tried to explain it. Again, I had to make it clear that I did in fact understand how it all works and that before talking to the person in my original phone call, I thought that was how my card worked. It was only after I was clearly told by this representative of Capital One, did I understand it differently. I took the representative 's word because I should be able to assume that a representative of Capitol One would have a better understanding of how my credit card works that I do. If I was in fact mislead by your company, I, the victim, should not be the one responsible for that mistake. She said she understood I had been misinformed by the company, but that the only thing she could do at this point would be to take off the single interest charge, but it had already been done. She said there was no way to remove or prevent future interest charges, even if I had been mislead. I asked for the recording of the original conversation and she said they do not give the recordings to the customers. I then asked if could at least have a lower interest rate, and she said no. Because a representative of Capital One grossly mislead me, my original plans to pay off the balance have fallen though, I made purchases I would have never made had I still had my original understanding of my terms, I have to make much higher payments than expected, I might not even be able to make a dent on my balance because of interest charges I am now stuck with, and my plans to return to school in the fall could also fall through. They did almost nothing to correct their company 's mistake. On top of all this I was repeatedly treated like a dumb girl who does n't understand how credit cards work.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

NH

Other

Credit card:

Complaint: I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-05

Lowell, AR

Payoff process

Credit card:

Complaint: XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-05

Bayonet Point, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Columbia, MO

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-04

Fort Worth, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Metairie, LA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Margate, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Louisville, KY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Conyers, GA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-04

Worcester, MA

Closing/Cancelling account

Credit card:

Complaint: I applied a credit card from SAKS FIFTH AVENUE and I received the card on XXXX XXXX. I found it blocked and I made the phone call to unblock it on XXXX XXXX. I provided all the document required to verify my identification. Now it 's still under review and I can not get any estimated date. I can even not login my account online. I can also not cancel this card. It 's really stupid and the customer service just keeps saying they can not do anything while it 's under review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been trying to contact Capital One several times about fraudulent charges on my account, but I continuously get ignored and transferred around! There were several cash advances and charges made without my permission. I advised this company to shut down my account and close it a few months ago, they did n't do it and now there 's several fraudulent charges too.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-04

Salton City, CA

Billing statement

Credit card:

Complaint: Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

VA

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Ft Lauderdale, FL

Billing disputes

Credit card:

Complaint: I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Saint Paul, MN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Ft Lauderdale, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had fraudulent charges in my bank account totaling in excess of {$23000.00}. I explained this to my bank Capital One bank. The charges are all from a company called XXXX which they informed me is a trading company. I did not approve this account and they have no information where I signed any paperwork indicating that I opened an account with them. I told my bank Capital One that I lost my wallet in the summer of 2015. I did not say this is the cause of the fraudulent activity, I do n't know how they got my information and assume it was through some form of internet hacking or it could be someone who has my information. Although Capital One bank has not decided as to whether they will give me credit for this money, I need help as to getting a fair process as they sound a bit accusatory when I spoke to them on the phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response