CAPITAL ONE FINANCIAL CORPORATION

2016-02-11

N Hollywood, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Lawrenceville, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-11

Broadway Manchester, CA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-02-11

S Charleston, WV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Centerville Branch, GA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-02-11

Saratoga Spgs, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Baltimore, MD

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-02-11

Wonder Lake, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Centerville Branch, GA

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-02-11

Tarzana, CA

APR or interest rate

Credit card:

Complaint: Capital One has committed fraud due to false advertising. They say the have comparative annual percentage rates, but that is simply not the case! XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Franklin, TN

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Baton Rouge, LA

Unsolicited issuance of credit card

Credit card:

Complaint: My mother, who passed away last XXXX, had a credit card that has been placing negative marks on my credit reports. I never signed any contract with the credit card company or received any kind of bill from them. I wrote to them XXXX 2015 to ask them to remove my name and stop reporting negative credit and remove any negative remarks off my report. They have continued to report negatively on my credit report. This is effecting my status with other credit card companies as well as my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

CA

Delinquent account

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX, CA - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, VA XXXX RE : 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. Your Bank approved XXXX/XXXX/XXXX removed XXXX late payment all major credit agencies .I have a evidence response from XXXX . ( I attached hard copy your reference ) Response ( XXXX CFPB Case number : XXXX ) We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with Capital One # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate Capital One # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact Capital One directly to ensure the account is reporting accurately in their database. On XXXX XXXX XXXX Completely deleted on my credit file. After seen my XXXX report still remains late payments XX/XX/XXXX.on XXXX XXXX XXXX I requested to removed that late payment XXXX via CFPB ( case # XXXX ) .your bank response was they accurate information reported. ( Response attached ) So after that your bank reported to re -added on XXXX my credit file on XXXX can clearly understood your bank treated me very different way and this is discrimination. XXXX already deleted and in future no more late payment on XXXX. So why your bank not help me out to delete XXXX late payment XXXX Please consider all facts and due to maintain good XXXX accounts capital one ( Last XXXX # XXXX / XXXX ) Please removed XXXX late payment XXXX account number ending XXXX. Really Appreciated Thanks XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Georgetown, IN

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-11

Val Verde, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Dulles, VA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: CapitalOne has effectively " seized '' {$50000.00} from me, having withdrawn said funds from another institution to fund a new savings account, but then refusing to provide me access to these funds while also refusing to return the funds from whence they came. CapitalOne mismanaged the account application process ; CapitalOne has failed to take concerted action to rectify the issue ; CapitalOne has provided incorrect/incomplete/inaccurate information at every turn ; CapitalOne has changed their story with every missed promise ; CapitalOne has wasted hours of my time as I have worked to rectify the fallout from their errors. I want : My funds returned to my control ; CapitalOne management and potential customers to know of CapitalOne 's own incompetence ; Government overseers to be aware of and CapitalOne 's incompetence and abuse of my trust and the protections afforded to citizen customers, and for them to be held legally accountable to the fullest extent possible. Timeline of Events ( all dates/times Eastern US, all individuals named below are CapitalOne employees ) : XXXX XXXX 2016 : I opened a savings account to capitalize on a " new customer '' bonus ( {$500.00} ) advertised as being available 90 days after opening a savings account. I am informed CapitalOne " prefers '' ( i.e., does not require ) that the new account to be funded from a checking account. CapitalOne accepts my source bank/account details even after I specified I was funding from a savings account. XXXX XXXX : {$50000.00} in funds are transferred from source savings account via ACH transfer ; No trivial " verification '' deposit ( s ) is posted to the source bank savings account, an amount ( s ) which I am supposed to report back to CapitalOne to confirm ownership. o/a XXXX XXXX : Call CapitalOne to inquire about missing verification deposit ( s ) and am informed this can take some time for CapitalOne to execute, even though I advised that the $ XXXX principal amount had already been successfully withdrawn. XXXX XXXX : Learned from funding bank that the verification deposit ( s ) had been rejected because CapitalOne had designated they were for deposit to a checking account ; Source bank was unable to confirm amount ( s ) rejected ; XXXX # XXXX at CapitalOne then tells me my $ XXXX deposit is frozen - will not be released to me OR returned to source account until I confirm control of source account - that evening I fax a statement obtained from source bank proving withdrawal of the $ XXXX as instructed by XXXX, who said confirmation would take one day to complete upon receipt of proof of transfer/ownership. XXXX XXXX : XXXX # XXXX informs me that confirmation can take up to seven days. XXXX XXXX : CapitalOne sends email confirming that their investigation into recordings made when I opened the account confirm my recitation of fact. I also learn that CapitalOne has an additional 30 days to pay the interest bonus beyond the 90-100 days required to qualify. XXXX XXXX : XXXX # XXXX advises that with or without the proof of ownership I faxed on XXXX XXXX, the hold on my funds will expire the next day and I will be able to establish an ACH link ( with a checking account this time ) which will enable me to withdraw my money. XXXX XXXX : The lock on my funds has NOT been lifted. XXXX # XXXX advises that the verification team is overwhelmed with work and now 7-10 days are required. I inform CapitalOne that I have made my last call to CapitalOne and will now be filing a formal complaint with the Bureau of Consumer Financial Protection.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

College Hills Mall, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-02-11

Hon, HI

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-11

Southern View, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-11

Euclid, OH

Forbearance / Workout plans

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-10

Zanesville, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-10

Altus, OK

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-02-10

Opelika, AL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-10

Big Lake, IN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-10

Bel Alton, MD

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response