CAPITAL ONE FINANCIAL CORPORATION

2016-01-26

Glen Burnie, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

MD

APR or interest rate

Credit card:

Complaint: hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

CT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I had lost my job and therefor feel behind on XXXX payments. I kept up communication with Capital One and had just agreed to send them XXXX of the past due payments on the following Friday on top of already making that months normal payment. Less then XXXX or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communication of the auction prior to, when I recieved a bill for the remaining amount. All of this has been terrible and hard to get anywhere in fairly resolving the situation. Now my credit report shows XXXX missed payments and that is simply not true along with other payment information they have listed on my credit report which is also false. I am devastated and if they had just followed the agreement I would still have my car and they would have there loan paid. I truly do not know what to do at this point. I have disputed the information with the credit agencies themselves as well as tried to resolve and communicate with Capital One. Please advise me of what I can do to right this situation. I do not understand how companies get away with doing business in a state and not follow the regulation and laws put forth by that state. Thank you for any and all assistance you may be able to give
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Fort Hill, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

North, NC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

PA

Late fee

Credit card:

Complaint: I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Banning, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-26

Randolph, AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Halyoke, MA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-26

Kansas City, MO

Closing/Cancelling account

Credit card:

Complaint: I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Wallington, NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Did not receive the promised bonus for depositing a certain amount into the savings account ( Promo Code XXXX as mentioned in the letter sent to me )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Phoenix, AZ

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

TX

Other fee

Credit card:

Complaint: Capital One will not give me my credit refund. I have a nearly {$2000.00} credit balance, and they wo n't refund it. I have tried for several months. It is illegal to withhold my credit balance from me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Colts Neck, NJ

APR or interest rate

Credit card:

Complaint: Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm XXXX causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other XXXX banks I do business with got a program right away for me and almost done with the accounts. Chame on CAPITAL ONE!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

NY

Arbitration

Credit card:

Complaint: Kohls account from XXXX I was denied at the store and my XX/XX/XXXX credit report says I owe them {$390.00}. since then. I never had a store card from kohls until XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Manhattan, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Fridley, MN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-25

Auburn, AL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Spring Hill, FL

Credit card protection / Debt protection

Credit card:

Complaint: I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. I really need and needed the help to pay with bills and credit cards since had to put food and things on.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Mesa, AZ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-24

NM

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either XXXX of these accounts. I called Capital One Bank and XXXX XXXX and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from Capital One Bank and XXXX XXXX XXXX. I am a XXXX veteran and this is aggravating my mental and emotional well-being.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Brentwood, TN

Other

Credit card:

Complaint: Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Tarzana, CA

APR or interest rate

Credit card:

Complaint: Capital One has engaged in false business practices, which constitutes fraud. They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. Therefore I feel they are guilty of deceptive business practices and corporate greed. Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-24

Eastborough, KS

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response