CAPITAL ONE FINANCIAL CORPORATION

2016-04-12

NY

Credit card protection / Debt protection

Credit card:

Complaint: My wife and I have a Capital One credit card. On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. I immediately alerted Capital One that this charge is fraudulent. On the phone I was reassured that Capital One recognized the charge as fraudulent. Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Bakersfield, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

San Jose, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Harrisburg, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Magnolia, TX

Settlement process and costs

Mortgage: Other mortgage

Complaint: My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.
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

Foothill Ranch, CA

APR or interest rate

Credit card:

Complaint: I have XXXX credit cards with Capital One with excessive interest rates.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Key Biscayne, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This complaint is against Saks First Premier Master Card. The motive of this complaint is because the department of fraud blocked all my accounts that I have with Capital One Bank of Saks Fifth Avenue and Neiman Marcus. Because they say that I made a payment of XXXX dollars and that payment was returned, small story short telling me I 'm a liar because in this complaint I 'm going to attach a copy of status of my accounts of XXXX XXXX how they asked me and also the check by them. Because I know that they have it in their account. Also in many opportunities they have mistreated me, asking me for papers like I was doing fraud in my own account. I have sent through fax in a lot of oppurtunities of all the documents that they ask of me to prove my identity. The Saks Fifth Avenue of XXXX XXXX of XXXX, Florida. This situation has had me exhausted and embarrassment also wasting time and have embarrassment. Today, an ironic investigator presumed that I was lying. And that for him to unblock my accounts he needs copy of my driver 's license front and back, copy of my SS front and back, last statement of my cheekiness account, evidence of my check paying Neiman Marcus for the XXXX dollars. Because in his computer apparently it does n't exist. Here, attached I have all the proof that they are asking for me because through you there will be a stop the embarrassment that this store and company has put me through.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

FL

Other

Credit card:

Complaint: I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Phenix City, AL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Ferryville, WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Los Angeles, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Ashland, KY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Pigeon Forge, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-11

Wallington, NJ

APR or interest rate

Credit card:

Complaint: I used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

N Natick, MA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Albany, NY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Estero, FL

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-04-11

Etna, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Chester, NY

Billing disputes

Credit card:

Complaint: Booked a travel ticket with XXXX XXXX. Immediately canceled the ticket and never travelled with provider. Was never issued a refund. Initiated charged back which was then rebilled.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Green Bay, WI

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

CA

Billing disputes

Credit card:

Complaint: XX/XX/XXXX, XXXX contacted me about being hired to build a download-to-own media site with billing. They seemed organized and capable, so I hired them. We began discussing the project. It took longer than the six weeks anticipated, but as of XX/XX/XXXX, they have been paid in full, having told me that all they had to do was enable the billing and my site would be up and running. Then I was told that there was an issue, but they would resolve it. I 've been strung along since then. For a while they stopped responding to emails, but finally did answer again. They said that my website would be XXXX done by Sunday, XX/XX/XXXX. The date came and went with no contact. Now I 'm trying to get a refund. Can you guys help me or point me in the right direction? Due to the time that has passed, the credit card processor, XXXX, says that they are unable to assist me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Galena, OH

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Kendall, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response