CAPITAL ONE FINANCIAL CORPORATION

2016-01-12

Nixa, MO

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Saint Clair, MO

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Chicago, IL

APR or interest rate

Credit card:

Complaint: Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. Further, they had promised to help resolve my issues before the next pay period. They of course did n't. When I called back after their account person, ( XXXX XXXX ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate XXXX with no option for a settlement since I had been paying for the last year attentively. My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-12

San Buenaventura, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

KY

Billing disputes

Credit card:

Complaint: capital one has went back to court and got another judgement ... this is the second time ... this is not right ... XXXX was about to come off my credit report, and then they done it again ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Festus, MO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My auto loan company took out a double payment from my checking account, and was authorized for XXXX payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-12

Cincinnati, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Greenville, OH

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Detroit, MI

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Tulsa, OK

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: item is listed as " charged off '' on credit report and I would like this removed from my credit report please
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

WA

Closing/Cancelling account

Credit card:

Complaint: This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-12

CA

Billing disputes

Credit card:

Complaint: we were charged a {$19.00} annual fee for a credit card that we no longer owned or used. We never got any statements and now we have XXXX thirty day lates on our credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-12

Wesley Chapel, FL

Closing/Cancelling account

Credit card:

Complaint: In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-11

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Navasota, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Flushing, NY

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-01-11

9 Mile Point, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

East Freehold, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Kingstree, SC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Navasota, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Longwood, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Arnold, PA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-11

Corona, CA

Advertising and marketing

Credit card:

Complaint: I signed up for the Capital One XXXX rewards card with the intention of using this card for its travel benefits. Knowing I would be able to spend the {$3000.00} in the first three months required to obtain a XXXX mile reward, I applied and was accepted. I applied for the card and was accepted the beginning of XXXX 2015, and was given a 7 - 10 day estimate to when my new card would be delivered. It never came, I called it in XXXX XXXX, 2015 when it had not arrived after 14 days and was told they were sorry that the card was actually never shipped to begin with. They promised to expedite ship my card to me then, and that it would be at my address within 3 days time. It was not. I called again, this new representative looked at her system and stated that the card I was supposed to have expedited to me was also not ever in the mail. The previous rep had just taken down notes but never began the process of issuing a card to me. By this time, it is now a week into XXXX 2015. I finally get my card in the mail two weeks into XXXX, and call in to ask what can be done about the fact that I was supposed to have three months to spend {$3000.00}, but I will of had the card for only a month and a half. I was told to use the card as normal and that I would get a call back before the time period was up to discuss it further. XXXX XXXX XXXX XXXX had told me that shw would take care of it, and that I should n't worry. I would be treated fairly. I proceeded to use the card, and called in when my time was running near, this is at end of XXXX. The rep that answered says that XXXX is not available but that she would have her give me a call back. She did n't. I call again after another week of no response. Only to have someone tell me that I could possibly get an extention on the time frame needed for the rewards bonus. But that I would need to wait for a response from her as she was supposedly a manager and this particular rep did not have that kidn of authority. I NEVER GET A CALL. I am just told " you should get a call withing 7 -- 10 days from someone to help resolve this issue, we apologize for any inconvenience ''. I wait, and wait. Then wait some more. Nothing - for months. How can one make progress when the customer is the only XXXX showing initiative to reach out to resolve an issue, and the issuer does not even comply to their own statement of giving a simple call back? Enough was enough, I called XXXX last time, and was told that there is no record of anyone talking my calls and that they are sorry that there was nothing they can do from then on. I recorded times, dates, and employee numbers during this time. Yes, there is a record of calls made. the contract I signed when I was accepted for the card says THREE MONTHS to spend {$3000.00}, and I was given only HALF the time. Not once, did I ever receive a call that was promised to me. Not even once. Also, the automatic payments continues to charge my old bank account to pay off balances, even when I have deleted my old bank and inserted my new bank information. Glitchy webpages have made my old account overdraft by using the wrong source of payment.
Company Response: Closed with explanation

Disputed: No Timely Response