CAPITAL ONE FINANCIAL CORPORATION

2016-02-15

GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-14

Kimberlin Heights, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-14

Lynchburg, VA

Fraud or scam

Other financial service: Refund anticipation check

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-14

Philadelphia, PA

Other fee

Credit card:

Complaint: I have a Kohl 's charge account. I added my checking account information to their online system and it shows as verified. I initiated an online payment for my minimum amount due on XX/XX/2016. Kohl 's never attempted to withdraw the payment from my bank. My bank account records confirm this fact. On XX/XX/XXXX, I was charged a return check charge and the payment was reversed. I verified on my account page that my routing info is entered correctly. The system only allows you to see the last XXXX digits of your bank account, but I also confirmed that. Further, I confirmed the account number by entering it XXXX when initially adding the checking account on the Kohl 's website. Kohl 's erroneously failed to submit my payment to my bank correctly and then charged me a returned check fee. However, there were sufficient funds in my account at the time I submitted the payment and I provided Kohls with accurate routing and checking account number information. Upon a cursory XXXX search, I found that I am not the first person that this or something similar has happened to and that Kohls is engaged in a pattern of this behavior in order to collect extra late fees and reverse check fees from customers who pay their accounts diligently and on time. I will pay the balance of the Kohl 's charge in store to avoid any further incidents of this sort.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-14

San Antonio, TX

Forbearance / Workout plans

Credit card:

Complaint: my capital one card account charges my bank several times after a decline of the initial charge. This occurs several fees on each occasion and is drastically reducing my ability to pay my bills on time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-13

Lockwood, NV

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-02-13

NJ

APR or interest rate

Credit card:

Complaint: on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-13

Rochdale, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Bethesda, MD

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-12

Brooklyn, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Elstonville, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Kendall, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Grovespring, MO

Billing disputes

Credit card:

Complaint: Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-12

Elkins Park, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Phoenix, AZ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-02-12

Decatur, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Galena, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-12

Kingstree, SC

Delinquent account

Credit card:

Complaint: Capital One is reporting my business credit card as being 30 days past due to the Credit Bureaus for a mistake made after I closed a personal credit card account held with them which was paid off. Evidence shows that I was enrolled in their Auto-pay system to avoid late payments. My Auto-pay profile was cancelled by Capital One for the wrong account which caused my account to go past 30 days and evidence shows my payments were being made on-time until the mistake was made but they are refusing to correct their mistake. There was no reason for me to personally cancel my Auto-pay profile.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Wallington, NJ

Customer service / Customer relations

Credit card:

Complaint: Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. I am a very unhappy customer and am considering closing down all of my accounts with them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Augusta, GA

Billing disputes

Credit card:

Complaint: On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-12

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This same debt has been placed on my credit since 2013, this is incorrect and needs to be removed as it is preventing me from buying a home.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-12

Harsens Is, MI

Credit card protection / Debt protection

Credit card:

Complaint: Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This is incorrect information and needs to be removed from my credit report as it is preventing me from buying a house.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Chatsworth, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response