CAPITAL ONE FINANCIAL CORPORATION

2016-02-22

Pensacola, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

LA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: I never heard of this company before and I do not know how they have my number in their system.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-22

Chicago, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

PA

Billing disputes

Credit card:

Complaint: My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Beverly Hills, CA

Closing/Cancelling account

Credit card:

Complaint: Mid to late XXXX, I wanted to trade my car in so I checked my credit to see what kind of rate I might get. I noticed that there was a hard inquiry on my report listed by Capital One. I found the inquiry alarming because I was dealing with fraud where an individual opened up a XXXX XXXX account using my name and social security number and I was receiving letters regarding car loan applications I never applied for! The Capital One inquiry showed up one month after I opened up a XXXX credit card. I 've been with Capital One for years, I have a checking, savings, Platinum, and XXXX card which were all in excellent standing. I contacted " All Clear '' my credit monitoring service to assist me with the matter. XXXX the representative from " All Clear '' and I contacted Capital One to inform them of their error. We were able to speak with a representative in Capital One 's fraud department and explained that there was a hard inquiry showing upon my report one month after I opened my XXXX card. I opened my XXXX card ending in XXXX, in XXXX of 2014, that inquiry hit the credit bureaus on XXXX XXXX, 2014. The erroneous inquiry showed up on my report with the date XXXX XXXX, 2014. After explaining the situation to the representative, it was clear there was either a clerical error or fraudent activity happen. The representative said that they would pull my initial application and check what was on file and see if there was a second application for the date in question. We were asked to follow up in a week or so. XXXX and I followed up a week after the initial contact with Capital One and their fraud department and were told that the application had not been pulled, but they believed it was a clerical error and they would more than likely remove the inquiry from my report, but it was a different department which handles that. We checked in several times after seeking status on our request, only to be transfer to XXXX incompetent person after another. We were told that this is a fraud case now and Capital One restricted and suspended both of the credit cards I have for years and paid promptly on! I received a letter in the mail stating the card ending I pin XXXX, was now closed due to fraudent activity! What!!!! They removed the incorrect inquiry on my credit report, and left the XXXX XXXX, 2014 inquiry on my report. Thank about incompetence. Later realizing the gervious errors they made instead of apologizing they made they changed my card number which was in good standing to a different number. They said they would not issue me another card, but would leave this card open for payment and if I wanted the card reinstated paperwork would follow ( which it did ) that I would have to fill out and have notary stamp and witness. This was their mistake no thank you, I do n't want any of your products. XXXX and I called Capital One weekly almost on a daily basis to get some resolve and recourse for the problem they have caused with no avail!! To add insult to injury along with no call backs from a supervisor, they are reporting me late on my credit report on a card account that does not mine. Please help me!!!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-22

Dunnellon, FL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-22

Astoria, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

E Massapequa, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

PA

Other

Credit card:

Complaint: I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! and they reported it to my credit file as via my request? As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-22

NY

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: My capital one credit card ( ending in XXXX ) statement balance was due on XXXX/XXXX/15. I paid on XXXX/XXXX/15 - 6 days late. Capital One is now reporting to the credit bureaus that I was 30 days late with the XXXX 2015 payment. This is cruel business practice. They refunded the late charge but refuse to adjust their reporting to the XXXX bureaus. I am applying for a mortgage and this is hurting my changes of obtaining one.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Una, SC

Customer service / Customer relations

Credit card:

Complaint: We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-21

Brooklyn, NY

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-21

Ft Belvoir, VA

Customer service / Customer relations

Credit card:

Complaint: I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. Can you solve this problem for me. Thanks. Sincerely, XXXX XXXX. XXXX, XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-21

Rancho California, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-21

Grosse Ile, MI

Other fee

Credit card:

Complaint: In the case of XXXX different credit card companies, I paid off my entire balance in XXXX 2016 and yet got charged finance charges/interest for this month, XXXX 2016. I called both Capital One and XXXX XXXX and was told, " interest charges accrue daily, were n't reflected in your balance due, so you still owe these fees. '' I paid them each around {$10.00} " interest '' but I do n't understand, how can one pay on time, pay off the entire balance and still get charged interest while having a zero balance? In the past, after I paid off the balance of a credit card, that was the end of any charges.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-21

Watkins, CO

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I hired a XXXX to perform at my client appreciation party on XXXX XXXX, XXXX. The company charged me the {$3500.00} for it on XXXX/XXXX/XXXX and it posted on my Capital One credit card on XXXX/XXXX/XXXX and I paid the charge. I then was charged another {$3500.00} on XXXX/XXXX/XXXX. I contacted XXXX XXXX at the XXXX XXXX XXXX and he apologized and said he would talk to the accounting dept and take care of it. I then called another number that was on my original invoice and it was an attorneys office, I told him what happened and he said he was going to see them that day and that he would have them take care of it. Two days past and the company never refunded the money. I called them again and talked to XXXX ( who was in the mtns ) and stated that if he did n't remove the extra charge that I would file a dispute with Capital One. So on XXXX/XXXX/XXXX I call capital one to explain what had happened, filed a dispute and they removed the charge..pending investigation. Then on XXXX/XXXX/XXXX Capitol One rebilled me {$3500.00} and said I didnt respond to their paperwork request ( which I have proof that I did ) so I went ahead and REsent it to them on XXXX/XXXX/XXXX @ XXXX. During that time, XXXX XXXX ( the owner of XXXX '' had been arrested and a XXXX XXXX Jury has indicted him and his girlfriend " the accountant '' for XXXX of money laundering, theft, forgery and fraud. Click on the following link for the article : XXXX I forwarded all this information in my paperwork to Capital One and they once again REMOVED the charge on XXXX/XXXX/XXXX. THEN on XXXX/XXXX/XXXX Capital One REBILLED me the {$3500.00} stating that the company had provided XXXX receipts to back up the XXXX charges so they sided with them and put the charge back on. I spent 3 hours on the phone with them on XXXX/XXXX/XXXX being sent from the fraud dept to the dispute dept, had to explain my story to a least a dozen people, they then sent me the receipts they had and they were CLEARLY not my signatures, I then provided 3 forms of ID with my signature on it to prove that, they agreed it wasnt my signature however, now they want more information from me. I have done EVERYTHING they have asked and it is more than evident that I too was a victim of this company 's fraud however, CAPITAL ONE CC continues to victimizing me by repeatedly removing this charge and then adding it back on even though I have proven to them it WAS FRAUD! I have been in contact with the XXXX DA to add my case to the counts again XXXX XXXX and XXXX but I need help getting Capital One to work with me and stop charging me over and over. I have asked to speak to Supervisors which they get on the phone but I have to keep explaining my story and once I think its resolved ... .they charge me again and they clearly know this second charge for {$3500.00} is FRAUD. What can I do to stop being a victim to Capital One? Also, per Capital One 's request I closed that credit card and they reissued me a new one so this company would not be able to continue to charge me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-21

Newnan, GA

Other

Credit card:

Complaint: Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-20

GA

Closing/Cancelling account

Credit card:

Complaint: I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-20

Brooklyn, NY

APR or interest rate

Credit card:

Complaint: Hello just wan na say is unfair that capital One Credit Card Compagny charge me twice for cash advantage fees, first one is {$90.00} which is correct and {$50.00} which is incorrect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Hicksville, NY

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-19

Camp Springs, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Finley, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Rncho Domingz, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response