CAPITAL ONE FINANCIAL CORPORATION

2016-01-15

Phila, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Lagrange, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-01-15

Poughkeepsie, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Rocky Ridge, MD

Billing disputes

Credit card:

Complaint: paid an unauthorized/disputed charge to my XXXX account while still in arbitration
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Clayton, MO

Transaction issue

Credit card:

Complaint: My issue is with capital one gm flexible Earnings card. Everytime I call and make a payment on the automated system and its time for them to provide me with a confirmation number, the automated system " conviently cuts out, '' and I 'm not able to hear XXXX of the numbers /letters. At first when this occurred I honestly believed it was a system error but this has happened EVERY single time for months. I 'm starting to feel like this intentional on the credit card companies part nc there 's no way it could happen 10 consecutive months in a row. Its almost like they do n't want you to have the correct confirmation number so if something goes wrong you wont have proof you made a payment. I 'm usually an optimistic person but this has happens way to many months in a row for it be a system error everytime. Makes you wonder ...
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-15

Brentwood, TN

Closing/Cancelling account

Credit card:

Complaint: I am a service member since XXXX and continue to be XXXX XXXX. I have XXXX capital one and XXXX card that where paid off and I have not used due to deployments and training. I atttempted to use a Capital One card in XXXX XXXX and the card was declined. I called Capital one and asked what was going on. All accounts where closed due to inactivity. I never recieved a notice or warning that these cards would be closed. I got upset and did close XXXX of the accounts and asked them to please open my cards again. Upon doing this I had a credit line of XXXX on XXXX of the cards but was given only XXXX limit. I think this company needs to let people know when they are going to just close your accounts especially when you are XXXX XXXX and potentially not able to use them for a period of time when you are XXXX for a year. My home address is correct my wife had power of attorney they could have contacted us via mail or phone before they did that. Now I have a lower credit limit than I was granted before the closure and a hard hit on my reports because I had to redo the same account they closed. I would appriciate the full credit line I initially was granted and Capital One knows I am military because they have been sent proof for lower interest rates while deployed and failed to give them however when contacted did fix the matter. I would like to know why I was not contacted about the closures becasue I would have had them stay open as we kept them with zero balance and had all XXXX ready in case of an emergancy while I was delpoyed or in the event of unforeseen expenses. Also I would like them to reopen the card I closed out of pure anger at the fact they would do this to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Friendship, ME

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

TX

Other fee

Credit card:

Complaint: Capital One failed to protect my account from repeated fraud and wo n't let me activate my replacement card. I have had a credit balance of nearly {$2000.00} for almost four months and Caputal One refuses to let me have access to my money. My credit limit is {$600.00} and they have three times my credit limit in my funds and they are depriving me of my right to use MY money.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-15

FL

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-15

Gretna, LA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. PS i was misled and taken advantage of by the bank officer which is another story on its own.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Elk Grove, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Herndon, VA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Canon City, CO

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Palmyra, MI

Delinquent account

Credit card:

Complaint: I phone capital one customer service to set up over the phone payment. I exchange information with rep including my bank routing number. We clarified my payment would come from my checking account. Capital one set the payment to come out of my savings. After three tries and negative XXXX in my savings I called them to try and figure out what happened. After several service reps I finally got a supervisor who XXXX way called my bank. Capital one left off XXXX XXXX in the beginning of the account. They did n't seem to think they were needed. My bank clarified that the XXXX zeros deciphered if the money was to come from checking or savings. She also indicated I would not be reported late for this error. She returned my late fees but told they they could do nothing about the XXXX in charges I had to pay my bank. She agreed the errors were computer issues with capital one and my bank. Next thing I know I have a 30 day late and this made my credit score dive XXXX plus points. I have tried everything. I emailed, chatted through email, called, and written. I have been told the late fee would be removed and yet again it is still there. I keep receiving letters from cap one stating there account information is correct however when speaking with them in person they say they are correcting it or will dispute it. When I file disputes with my credit bureaus they just take the information from capital one and never investigate my claim. I appreciate any and all help you can assist me with. My late is for XXXX. I have XXXX accounts with capital one and have never had a 30 day late reported until XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-14

Los Angeles, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Vista Del Lago, PR

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Gretna, LA

Taking/threatening an illegal action

Debt collection: Auto

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Jacksonville, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Grand Lake, LA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Avondale, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Edison, NJ

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Coosada, AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Burlingame, CA

Other

Credit card:

Complaint: I 'm complaining about Capital One Bank USA. I believe they 're inaccurately reporting a credit card account under my name. Specifically, they consider me a joint account holder when I was/am only an authorized user. This account was originally an HSBC-XXXX credit card account opened by my mother in 2003. The account was eventually transferred over to Capital One. I believe when this transfer occurred, Capital One began to erroneously categorize me as a joint account holder. They have no basis to support this characterization. Namely, they do not have the original application. If they do not have the original application, they can not accurately confirm how the card was applied for. The account was opened when I was only XXXX XXXX XXXX. I never signed the application. I 've complained to Capital One via telephone and through a letter but they have refused to help me.
Company Response: Closed with explanation

Disputed: Yes Timely Response