CAPITAL ONE FINANCIAL CORPORATION

2016-04-14

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: for the last month I 've received in the area of XXXX phone calls a day from capital one auto-finance ( XXXX ) asking for someone by the name of XXXX. this is not me. I have told this to them at least 20 times. they still refuse to stop calling me. it is taking time away from my employment and costing me money. is n't there a law in place to protect people from harassment from these companies. any help with this matter would be much appreciated.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-14

Lawrenceville, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Mechanicsville, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Jacksonville, FL

Rewards

Credit card:

Complaint: I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Federal Way, WA

Customer service / Customer relations

Credit card:

Complaint: A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-14

Niverville, NY

Closing/Cancelling account

Credit card:

Complaint: I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-13

TX

Transaction issue

Credit card:

Complaint: There were charges made at XXXX stores using my credit card which I did not make. I do not make purchases for those amounts anywhere. I rarely shop at XXXX and when I do, I do it online. The fraud department for my credit has advised me to contact the police and file a report. The charges were made on a another credit card not the XXXX XXXX XXXX. Although I do own one I do n't use it. I have been in contact with Capital One which was the credit card that was used. They cancelled that card and gave me a new credit card number since then.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Elk Grove, CA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-13

Camp Rogers, GA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Silver Spring, MD

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Capital One Bank 's Claim Department denied to credit my money that has been taken from fraud transactions in amount of {$900.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Lansdowne, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-13

Winston Salem, NC

Billing statement

Credit card:

Complaint: On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Coalinga, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

San Francisco, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-04-12

Hoffman Est, IL

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Boston, MA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Halyoke, MA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: Capital One Bank keeps reporting to the credit agency of an account that they took over from XXXX companies Orchard Bank and HBSC which at one time I had accounts. these are very old over 15yrs old had diputed them off my accounts and never put back on until Capital One Bank now keeps putting this account on my report I have called numerous of times They would respond okay our mistake it would be removed but they would again and again report Please have them remove this account I had XXXX credit companies help me XXXX XXXX and Credit resolutions it would be remove but back on after a few months. I would greatly appreciate any assitence you could give. thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Hoffman Est, IL

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-04-12

Evanston, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-12

Santa Ysabel, CA

Credit card protection / Debt protection

Credit card:

Complaint: Someone open KOHLS credit card under my name for {$300.00}
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-12

MA

Delinquent account

Credit card:

Complaint: I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-12

Wonder Lake, IL

Unsolicited issuance of credit card

Credit card:

Complaint: Capital One in XXXX XXXX XXXX, UT XXXX made XXXX hard inquiries to my credit in the last 10 months as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not request credit from Capital One during this time period and this has affected my credit rating. I requested they remove the inquires and stop making inquires but have received no response.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Hoffman Est, IL

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-04-12

Bellingham, WA

Transaction issue

Credit card:

Complaint: I was contacted by, Capital One, by telephone, about suspicious activity on my a credit card in XXXX 2016. There were XXXX charges for {$110.00}, at different locations, on XXXX XXXX, 2016. I had destroyed the credit card months earlier as I was planning on cancelling the account after all automatic charges transferred to another Capital One card. The card had not been used online for nearly a year. In XXXX an annual magazine subscription was charged for {$49.00} on XXXX XXXX, 2016, which is valid and I paid for that. Shortly after that, XXXX XXXX, 2016, is when the fraudulent charges of {$110.00}, XXXX times, occurred. I was told by Capital One that I would not be responsible for fraudulent charges. When I telehoned them afterwards, more than a few times, I was told that I would not be responsible for the charges. On XXXX/XXXX/16, I received a notice that I had been reported to XXXX for failure to pay. I have left three phone messages to the fraud agent, XXXX, with no return call. I did receive a letter dated XXXX/XXXX/2016, but received sometime later than that from the fraud department saying that the investigation was resolved. But the fraudulent charges, and now late charges and interest are accumulating on the fraudulent charges. I have a second Capital One credit card that I have been using since I stopped using the credit card that has the fraudulent charges on that I always pay off each month. It appears, to me, that someone got the credit card number from the magazine subscription charge for {$49.00} in XXXX and either sold the number or used it online to make the XXXX purchases for {$110.00}, on the same day, at three different locations. I 've done everything I can, including sending a letter to the fraud department of Capital One. Please help.
Company Response: Closed with monetary relief

Disputed: No Timely Response