CAPITAL ONE FINANCIAL CORPORATION

2016-02-19

Waynesboro, TN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Shreveport, LA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Burlingame, CA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Clayton, MO

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Lewisville, TX

Billing statement

Credit card:

Complaint: I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-19

CA

Delinquent account

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Hamburg, MN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I pay my car payment every month online using Capital One 's online system. I scheduled my payment on XXXX for my regular car payment of {$520.00} to be pain on the due date which is XX/XX/XXXX, after I chose my method of payment which is using my bank account and selected my date to submit payment. I agreed to authorize Capital One to collect that specific amount from my bank account. I logged into my bank account to balance my ledger when I noticed that Capital One collected {$1000.00} from my account instead of the amount I authorized, which was {$520.00}. I immediately called Capital One as well as logged into my account in their system to see what happened. I noticed in their system that my payment I scheduled did not show up, nor did it reflect the payment they collected from my bank account. In fact their system showed I was delinquent in paying my car payment. I spoke to a representative to get an understanding of whatever mistake they made, and i told her they needed to refund the additional {$520.00} they took out of my account unauthorized. She informed me that I have not made a payment since XX/XX/XXXX and that the payment they just collected from me was applied in the following manner : {$520.00} toward my principle and {$520.00} toward interest! I let her know that Capital One does not have the authority to decide how munch money is applied to my principle or interest, nor the authorization to take more money out of my bank account than what I authorized and that they need to rectify what they have done! She informed me that I needed to show proof of the payment pending on bank statement and send it to them via fax and that they will launch an investigation to determine if a refund will be provided. I told her that banks do not provide current bank statements, and that I would print out my account summary and fax it in to them to review and that a refund will be provided otherwise its called stealing, which they have done when they took more than my normal car payment out of my account and that they will also be responsible for any overdraft fees I incur because of this. I called Capital One again on XX/XX/XXXX to follow-up in regards to my fax i submitted and they informed me that they have not received my fax, or my payment. I checked my account online while on the phone with them and let them know that they have officially collected payment, because the transaction has now posted to m y account, so I don ; t understand how they can not have knowledge of my payment, but collect an unauthorized amount from my account, how can you explain your ability to access my bank account? the rep XXXX said he submitted my complaint to the allocation department and that they will contact me within 2-5 business days.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-19

Accokeek, MD

Account opening, closing, or management

Bank account or service: Savings account

Complaint: On XXXX XXXX, XXXX I found out that Capital One bank put hold on all checking account I had. I immediately contacted bank via secured chat because I can not reach anyone over the phone. My depost {$240.00} showing totally unavailable which make me extremely upset due to terrible banking experience with this bank before. I had made several complaints against this bank due to stole funds against my will on XXXX XXXX, XXXX for total {$80000.00} plus all lost interest earning for 2.5 years total {$8000.00} and travel expense to branch 7 times to collect stolen funds. This bank never change its stolen nature. I as consumer has great concern regarding the safety of my deposit. Most recently I sent two messages to this bank to ask my stolen funds, but I can not get any assistance. On XXXX XXXX, XXXX I notified this bank to return all my deposit plus stolen funds in XXXX XXXX, so I can close my accounts to end this terrible banking experience with Capital One. However I was directed to call Fraud Dept. I indicated to bank rep that my deposit had no fraud, and I do not want to continue my deposit simply because the prior terrible experience in XXXX XXXX as reported several times to CFPB for immediate assistance. Now 2.5 years passed, I can not release my pain, suffering to lose my savings to a theft XXXX XXXX who I do NOT authorized at all. I once again to ask all my deposit back plus stolen funds in XXXX XXXX, so I can discontinue my terrible banking experience with Capital One.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-18

Deerfield Beach, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Church Point, LA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Portland, OR

Incorrect exchange rate

Other financial service: Foreign currency exchange

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Yorktown, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-18

Odell, OR

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-18

Tampa, FL

Credit line increase/decrease

Credit card:

Complaint: Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-18

Bothell, WA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Newark, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Glendale, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-18

San Jose, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Odell, OR

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-18

Annapolis, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Nyc, NY

Advertising and marketing

Credit card:

Complaint: Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-18

Murray, UT

Closing/Cancelling account

Credit card:

Complaint: I had a XXXX master card. I got this card initially in XXXX and it was serviced by XXXX. XXXX sold their XXXX XXXX master card portfolio to Capital One in the beginning of XXXX ( I think? ), then in XXXX this XXXX portfolio was purchased again by XXXX in XXXX of XXXX. The problem I am encountering is actually submitting the credit dispute with Capital One, because they do n't have my information and when I call the current servicer/owner of the XXXX portfolio, XXXX, they tell me they can not help me because the account was transferred to them in a " closed '' status and because capital one is the one reporting me I have to dispute it with them. They advised me that Capital One did n't send all the information they should have when they obtained the portfolio. They can give me general information, but not any information for me I need. I asked them if they could send me my statements from when Capital One serviced the account because when the card was opened I got statements from capital one electronically which was just an email from them saying, '' hey just log in online. '' Which helps me zero. All of those emails I got wont help because I cant access the links included in them because again the portfolio was sold. Honestly this is not fair, because my credit is being impacted and I am trying to prepare to purchase a home. I am trying to dispute XXXX, XXXX and XXXX reporting from Capital One for this card. They reported to the bureaus that I was late 30 days for XXXX, and 60 days past due for XXXX and XXXX. This was all caused because of an annual fee. This annual fee of roughly around {$50.00} reopened the XXXX capital one account AFTER it was supposed to closed. This was a system error that Capital One eventually took ownership of and they credited back the charge and closed the account. This happened in XXXX but the reporting to the bureaus remained. Which is XXXX item I wanted to dispute. I also wanted to dispute the account reporting in XXXX of XXXX. Which on my report shows that it was 90 days delinquent. Again this was NOT correct and is relevant to the above XXXX to XXXX dispute because Capital One sold and transferred the account in XXXX to a collection agency. Whom I paid in full. The problem with that is that i have confirmation emails of making payments in XXXX, through XXXX. So how could I be 90 days past due? Why was I ever transferred to a collection agency in XXXX after making monthly payments each month? Thankfully I signed up for automatic emails during this time confirming my payments each month but the sheer lack of process from both XXXX and Capital One to get this process finished has honestly been nothing but frustrating. RESPA prevents this from happening in mortgage servicing, but apparently if a credit cards are purchased between banks or financial institutions it does n't matter how the consumer is treated. I will attach the payment emails I have received in XXXX for XXXX, XXXX and XXXX. and the credit report I disputed. XXXX was able to remove similar occurrences that happened in XXXX. When XXXX transferred the XXXX XXXX portfolio to Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Bay View, WI

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Northridge, 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

2016-02-17

Brooklyn, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response