CAPITAL ONE FINANCIAL CORPORATION

2016-03-07

Bedford, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Orlando, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Columbus, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Lannon, WI

APR or interest rate

Credit card:

Complaint: Dear Sir/Ma'am I am writing in regards to my Menards ' Big Card. I paid my minimum balance on XXXX/XXXX/16 of {$110.00} and an additional {$1000.00}. I wrote on my check that I wanted the extra to go against the 6 month higher interest rate charge. At that time I had the following charges - XXXX - 48 month 3.99 financing - {$2900.00} - XXXX 6 month same as cash accruing 25.24 % - {$1400.00} So I figured that the extra {$1000.00} would go against the XXXX When I look at my XX/XX/XXXX statement. I see that all but {$44.00} went against the 48 month 3.99 % financing. The {$44.00} was the minimum payment due. Again I made a payment at the store for {$1500.00} and {$350.00} on XXXX/XXXX/16. Again I asked for the extra to be applied to the 6 month free financing. When I look at my XX/XX/XXXX statement, it shows that all of this was applied to the minimum balances due and to the reduced 48 month financing. I would like this fixed so that I am not charged an exorbitant amount of interest in 3 and 4 months ' time when the promotional expiration date is completed. I would like the minimum payment due applied as specified in the statement and then I would like the extra {$1000.00} from XXXX XXXX, 2016 - removed from the txn XXXX ( 48 months free ) - and applied against txn XXXX ( 6 months same as cash accruing 25.24 % ) So their balance as of the XX/XX/XXXX statement would be - $ XXXX = {$2800.00} + 6.39 Interest = & gt ; {$2800.00} - $ XXXX {$420.00} With a new transaction - XXXX - 6 month same as cash accruing 25.24 % {$710.00} ( XXXX/XXXX/16 ) On my XX/XX/XXXX I get a PROMOTION Expiration ALERT!! Saying that the transaction that I thought would be paid off. Has n't been paid off at all and there is {$68.00} of deferred interest. I was paying off the promotional payoff. I had made two more payments on XX/XX/XXXX of {$1800.00} to pay the minimum balance and pay against the transactions - XXXX = $ XXXX-XXXX ( minimum ) = {$380.00} - XXXX = $ XXXX-XXXX ( minimum ) = {$690.00} - XXXX = $ XXXX-XXXX = {$2800.00} Leaving {$1700.00} left to pay off the 6 months same as cash and start on the 48 months low rate Should have balances of - XXXX = {$380.00} - XXXX = XXXX - XXXX = {$690.00} - XXXX =XXXX - XXXX = {$2800.00} - XXXX = {$2100.00} + the accrued interest With my new transactions - XXXX ( 48 month 3.99 % financing ) {$1500.00} - XXXX {$310.00} Return - XXXX of {$200.00} against txn XXXX So I should have the following transactions left to pay off - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( from XXXX/XXXX/2016 at 25.24 % ) I am not exactly sure how much these each should be because of the return and the different interest that was n't added on because of how the different transactions were cleared off. I would like the following {$200.00} to be paid against the minimum due against transactions - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( from XXXX/XXXX/2016 at 25.24 % ) And the remainder paid against - XXXX ( from XXXX/XXXX/2016 at 25.24 % ). By law the highest percent interest transaction should be paid off first with any moneys left over after the minimum amount due is applied. 25.24 % accruing interest is much higher than 3.99 %.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

MD

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I am writing this complaint on behalf of my mother. Someone secured my XXXX year old mother 's banking Capitol One Bank checking account and routing numbers ( and probably her social security number ) beginning XX/XX/XXXX. Beginning XX/XX/XXXX to XX/XX/XXXX some individual made a series of fraudulant Automatic Clearing House ( ACH ) credit and debit withdrawals and ACH '' bill pay '' through XXXX to for a total of {$44.00}, XXXX! The individual by the name of " XXXX XXXX '' routinely raided my mother 's checking account beginning with small amounts that escalated to large amounts from XX/XX/XXXX until the account was drained by XX/XX/XXXX. My mother recieved an overdraft notice on XX/XX/XXXX from Capital One, NA, ( located at XXXX XXXX XXXX, XXXX, MD XXXX ) indicating that her account was overdrawn for 10 days. In response to the letter from the bank my mother went to the bank in person. At that time she was asked a series of questions by several " fraud inverstigators '' from Capital One. They said that their investigation would take 10 days. Over the next several days my mother a number of attempts to contact the bank branch manager, XXXX XXXX XXXX by telephone. Each call was met with " we 'll take a messge for XXXX . XXXX. '' However, those calls were not returned. I decided it was paste time to visit the bank with my mother. XXXX XXXX printed out a list of ACH tranasctions We were assured my mother 's money would be restored after an investigation was completed. We then closed the old accounts ( bothe checking and savings ) and opened new ones. We signed up for online banking so that I could view and track her accpounts. On Satuarday, XXXX my mother recieved a letter from a XXXX XXXX XXXX which stated that my mother 's claim was " denied because the documentd from the Merchant showed that the ACH transactions were valid. '' I called the telephone number on the letter to discuss their " decision. '' I learned that the fraudlent ACH transaction were comitted through XXXX XXXX bank whose position was that the transaction were valid. Time after time ACH transaction were made to XXXX by XXXX XXXX By taking this position XXXX XXXX can essentially stops any furher invetsigation by Capitol One Bank. This is a sweetheart agreement for culpable banks which allows them to maintain no fraud to occur. It is as if neither bank contributed to the other 's negligence. A Capitol One Bank employee suggested that my mother authorized the use of her account. My mother never authorized anyone to access her accoun! Do these banks have any internal control in place to provent this type of fraud. Apparently not! Every step of our inquiry with well rehearsed pablum. So the bottom line is my mother money is simply NOT SAFE IN THIS BANK. I truly beleive that they were counting on confusing a XXXX year old woman. I firmly believe that these banks deny XXXX % of all claims valid or not. The bottom line is teh only thing they care about is money. it simply begins and ends with mantra.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-07

Columbus, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Eastchester, NY

Other

Credit card:

Complaint: I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-07

Carver, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-07

Dixmoor, IL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-06

Wallington, NJ

Other

Credit card:

Complaint: I have a positive account and the credit card company is not reporting it to the other XXXX credit bureaus
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-06

Temperanceville, VA

Closing/Cancelling account

Credit card:

Complaint: I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-06

Santa Ana, CA

Advertising and marketing

Credit card:

Complaint: CapitalOne offers a significant bonus on its Venture card if new sign-ups spend a certain amount within 90 days. The 90 days starts the day the card is approved online. But since it takes 7-10 days for the card to be received in the mail, we really only have 80 days to activate it & start making purchases. CapitalOne makes a big deal about having 90 days, which is nothing less than false advertising to get sign-ups. Please stop them from continuing this fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-05

Thousand Oaks, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-05

San Jose, CA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-05

NJ

Transaction issue

Credit card:

Complaint: I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-05

Ft Lauderdale, FL

Credit determination

Credit card:

Complaint: I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-05

Shulerville, SC

Credit line increase/decrease

Credit card:

Complaint: Capital One sent me an approved credit card with a XXXX XXXX dollar limit. This sounded like a good idea since my XXXX credit score was obliterated due to a house staying on the market for twenty months from XX/XX/XXXX to almost XX/XX/XXXX while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our finances have changed for the worst over the last several years there were many times I used the card still thinking I could get the balance under control. We are a family of XXXX living on XXXX annually, not so easy to do. Capital One offered me another card with no interest for nine months. I decided at least I could switch the balance since the previous card 's interest rate was now around 23 % and my balance was getting high. After I received the card I was told I could not transfer my previous balance to the new card so I was stuck. The first card has such high interest and I was trying very hard to pay it down but to no avail. Then with the new card they kept increasing my credit, again without me requesting this. Now the promotional interest rate is gone and the new rate is around 25 % just like the other and no matter how much I sacrifice here at home I ca n't get my head above water with reducing my balances with these XXXX Capital One cards. I understand I am responsible for what I charged. It just seems to me they are even more responsible and their predatory practices should be investigated. They are taking great advantage of the consumer. I know I 'm not the only one. My only goal was to help repair my credit. Now I am XXXX in credit card debt to these people and I do n't even know how it happened. It happened so fast. I have always been very responsible with my bills, but these last seven years have been like a financial nightmare. I wish I just had my bad credit and had never heard of Capital One. It is definitely affecting my health. I feel like a fool. Thank you so much for the chance to tell my story and I hope it will help other consumers in the future.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-05

Houston, TX

Other

Credit card:

Complaint: Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-05

FL

Billing disputes

Credit card:

Complaint: Capital One charge my credit card XXXX for a Returned ACH Card due to an Auto Payment. I never set up Auto Payment and never agreed to Auto Payment, and now they are refusing to reverse the XXXX Charge
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-05

Succasunna, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my XXXX checking account to an account at capital one. I requested this transfer be stopped on XXXX XXXX. XXXX XXXX denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police XXXX XXXX did request a return of my money from Capital One on XXXX XXXX. I have never done any business with Capital One how did they open an account in my name?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Sacramento, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Berwyn, MD

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Oaklevel, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Stevenson, MD

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response