CAPITAL ONE FINANCIAL CORPORATION

2016-02-03

San Francisco, CA

Customer service / Customer relations

Credit card:

Complaint: Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Plattekill, NY

Billing disputes

Credit card:

Complaint: i paid my crdit card off and they sent me another bill for money.i sent them the money .now the want more money even after i told them to cancel my card
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-03

Temperanceville, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-03

Barrett Parkway, GA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Elmhurst, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Arvada, CO

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-02

Salt Lake City, UT

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Cedartown, GA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Fred, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Abram, TX

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-02

Vicksburg, MI

Account opening, closing, or management

Bank account or service: Savings account

Complaint: My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Chicago, IL

Billing disputes

Credit card:

Complaint: My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Brooklyn, NY

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Madison, TN

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Dyersburg, TN

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Main Office, VA

Delinquent account

Credit card:

Complaint: An account in my name was opened with Capital One. The account became delinquent, and I was taken to court. Even though I did not open the account or give permission for this account to be opened I was held accountable. My wages were garnished, I 'm ok with this because it ended up being a family member that opened the account. My wages were garnished, and the account was satisfied, and the case was taken off of the docket. Several months later, the funds were given back to me. I did not ask for the funds they just showed up. I called Capital One to inquire about the funds and I as simply told that the case was closed and the case was taken off the docket. Several months later, I received a letter stating that the funds were once again going to be taken from me, and I was being garnished again for the same funds that were returned to me! Only this time the amount was more than twice the original amount that had already been paid ( and returned ). When I called XXXX and XXXX, the attorneys handling the case, the only information they would give me is the returning date for the case when they pick up the wages that had been garnished. This is unfair and deceptive! The funds were returned to me and now I am being made to pay for funds that had been paid? Please contact me for more information and specifics to this case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-02

Portland, OR

Closing/Cancelling account

Credit card:

Complaint: I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Raymond, NH

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Bozeman, MT

Credit card protection / Debt protection

Credit card:

Complaint: I just received a notice from Capital One notifying me that my credit card and personal information were involved in a data breach at a business which I had made a purchase at recently. The letter was informing me that they were canceling my card and re-issuing me a new XXXX as a security precaution. The letter ( and subsequent ) email which I received from them did not name the merchant involved in the data breach. When I called to find out what merchant it was they would not divulge the information and said that they had no way of knowing which merchant it was who had the data breach. Well, that seems a bit illogical considering that they must know which merchant it is if they are aware that said merchant had a data breach and it was a threat to their system ...,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Bardonia, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Tampa Palms, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Halyoke, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Scottsdale, AZ

Other

Credit card:

Complaint: I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.
Company Response: Closed with explanation

Disputed: No Timely Response