CAPITAL ONE FINANCIAL CORPORATION

2016-03-21

Smyrna, DE

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-20

Chaska, MN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-20

Lakewood, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-20

New Britain, CT

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Kohls is bordering on harassment calling me 6/7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-20

Flint, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-20

Fred, VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove XXXX unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-19

N San Juan, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-19

MT

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-19

MO

Other

Credit card:

Complaint: hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-19

Jupiter, FL

Other

Credit card:

Complaint: I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

San Marcos, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Flushing, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Amity Harbor, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Philatelic Center, CA

Billing disputes

Credit card:

Complaint: In XXXX there was a fraud issue with my Captial one credit card. Apparently, someone got a hold of my credit card information and made charges to my account. Prior to the charges made, I made a credit card payment of {$160.00}. When I received the alert regarding informing me that my credit card information had been compromised, I immediately check my account and noticed that there were charges on the my account that I did n't make. I then contacted Capital one and filed a fraud case. After six weeks of not receiving a follow up call from Captial one. I decided to give them a call. On XXXX/XXXX/16 I contacted Capital one to find out what the status of the fraud investigation was. After spending an hour talking to XXXX Capital one representatives, I was informed that the issue has been resolved and the outcome was that all of the charges made to the account would be refunded, I would n't be responsible for the current amount due which is {$82.00} and I would have a new credit expedited to my resident. Today, I contacted Capital one and was informed that a new card would n't be issued until I pay my current balance of {$82.00}. I then explained to the representative that I have XXXX other major credit cards and I have never been told that they would n't send me a card until pay my current balance. I asked to speak to a supervisor, but was told that there was not supervisor available and if I did in fact speak with XXXX, they would in fact reiterate what I was already told.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Scottsdale, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Billerica, MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

Flower Mound, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

Riverside, ND

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

IA

Other

Credit card:

Complaint: I agreed to a balance transfer promotion which allowed me to get the money interest free for 12 months. I also made other purchases outside of that promotion. Today I want to pay off the balance transfer promotion amount. I called the company to get the amount and they advised. I stated I wanted to make that payment and I was told that because I have made other purchases and transactions, that my payments will first be applied to the new transactions/purchases and that based on their payment allocation abilities I the consumer am not able send in an amount for the exact amount due for the promotional offer and have that amount applied to the promotional offer which then leaves me to have to not only pay the promotional offer off, but also every transaction/purchase since in order to avoid interest on that promotional amount. This was never disclosed to me in any form or fashion. Other companies are able to specify which type of line the payment should go to " Specify where my payments are applied '' for example, but this company does not. Furthermore, I was given the wrong date to pay that promotional amount off, which has adversely caused me to be very stressed as I intended to pay it off when it was due and not earlier, they said a date earlier. I called again and got another date so now I really do n't know when it is due. I called to ask for my balance transfer consumer agreement and they advised that they could not give me that either. I asked where the general terms are, and they could not provide that. It is not in the best interest of the customer to apply a monthly payment to the line of credit with the lowest interest or to a promotion amount before applying it to an amount with the highest interest rate. That also happened without my consent. Their terms for " How my payment is applied '' state that " Generally, they apply it in a certain form or fashion, I as a consumer need to understand what " generally '' means, and how I can be satisfied by being able to make a payment to a promotional offer in its entirety without having to pay also purchases that were made afterwards that have no end date for incurring interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used this account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Tubac, AZ

Billing disputes

Credit card:

Complaint: This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. ( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

Grangeville, LA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I had a HELOC that matured and was unable to make the balloon Payment. I began working with the bank who approved me for a hardship. I was given terms of the new loan and accepted them. The same day I accosted the new terms the bank sent a letter stating they were also tracking my loan for foreclosure. The date of moving me into foreclosure will occur prior to the workout being complete. The bank states they will charge me legal fees and go forward with the foreclosure even though I completed my application and was approved for the new loan. I can not get there loan modification people to call me back. Are banks allowed to dual track while working through the moss mitigation process?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Hudson, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Bowie, MD

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-03-17

Saint Paul, MN

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response