CAPITAL ONE FINANCIAL CORPORATION

2016-04-22

Chautauqua, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Simi Valley, CA

Application processing delay

Credit card:

Complaint: I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. Thank You XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-22

NJ

Customer service / Customer relations

Credit card:

Complaint: My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

NJ

Customer service / Customer relations

Credit card:

Complaint: I have been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

NJ

Customer service / Customer relations

Credit card:

Complaint: I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

NJ

Customer service / Customer relations

Credit card:

Complaint: Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-22

Charlotte, NC

Payoff process

Credit card:

Complaint: Capital One offered what is called " Choose it '' to help pay off a large purchase over time with no interest. I continued to pay off my " Balance Due '' every month only to find out my " Balance Due '' did not include the amount I had chosen to place in my " Choose it '' " bucket. '' ( I 'm using quotes because this is how the manager on the phone referred to these things. ) I do most of my banking on my mobile device. Therefore, I 've been paying my " balance due '' every month thinking I 've long paid off the " Choose it '' balance as well. No, they hide that balance still outstanding as " SpecialPurch '' under the interest charge calculation on the statement. Additionally, it is at the very bottom of the statement. NOWHERE on my mobile device can I get this additional balance due unless I bring up my PDF paper statement. I trusted the " balance due '' was indeed the WHOLE balance due and paid it off EVERY month. As I do pay my balance very month, I really should not have taken advantage of this " special offer, '' but I did and now I am sorry. My concern is n't as much for me, although it makes me very angry. My concern is for others who need a break with interest charges and might not pay off the balance every month. Additionally, I feel it is BAD PRACTICE for Capital One to not put SOMETHING, ANYTHING alongside the " Balance Due '' that states " You may wish to pay off this Special Purchase balance off, too so you do n't incur interest by this date. Therefore your actual balance due is $ XXXX. '' Thank you,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

NJ

Customer service / Customer relations

Credit card:

Complaint: I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Glendale, CO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Santa Barbara, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-21

Empire State, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Flower Mound, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Wonder Lake, IL

Other

Credit card:

Complaint: Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-21

Cocoa, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Jersey City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-04-21

Wallington, NJ

Delinquent account

Credit card:

Complaint: I have had capital one now for a couple yes and I really like them, but when you run into tough times they do not help you at all. I was in school and working at the time I acquired my capital one credit cards. I lost my job and had to start paying back my student loans, and so my credit card bill went past 120 days cause I just could n't get the money to pay anything. I finally payed both my cards off I full and they told me my account was restricted and they could unrestrict it for me but I had to wait a couple days, ok fine. I fell into harder times this time around and they went again another 120 days past due, but I thank God I found a stable good job and I made my minimum payments to keep my account from going into collectionsome, so I two days ago payed them both completely off and now they are telling me my account is restricted and they ca n't do anything about it and I will have to reapply again. 1. That does not make any sense because why would I really want to read run my credit again and if I do n't get accepted and then what and it hits my score. 2. Why would they even restrict my account without notice and without my consent, I am still paying my money to them, and I do want to stay with capital one, but I called and they told me there is nothing they can do on reopening my accounts because they went pass due. I just do n't understand why they do this to you and make it harder on me now and I payed it in full hoping I can reopen my account. This is crazy, time consuming, and stressful.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Newark, NJ

Other

Credit card:

Complaint: I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-21

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Lake Shore, MD

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-20

Jamaica, NY

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-20

Clinton Township, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Stafford, VA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response