CAPITAL ONE FINANCIAL CORPORATION

2016-01-06

TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-06

Highland, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-06

Rncho Domingz, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-06

San Antonio, TX

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

2016-01-06

Phoenix, AZ

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Lakeland, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Anaheim, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Bellaire, TX

Billing statement

Credit card:

Complaint: I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Chula Vista, CA

Other

Credit card:

Complaint: Capital one refuses to send confirming letter to provide to mortgage lender confirming that they sent a request to the credit bureaus to remove late payments from my credit reports. I have online chat sessions confirming they have requested it, but when I ask for confirming letters they do not want to send it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

NY

APR or interest rate

Credit card:

Complaint: The interest rates are ridiculous. I contacted them today and the can not offer any reasonable rates. I can consolidate, but do n't want to damage my credit.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-05

Bronx, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Mahwah, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Hollywood, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Moran, KS

Sale of account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-05

Bay Point, CA

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-05

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Bellaire, TX

Payoff process

Credit card:

Complaint: I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-05

Perris, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Dallas, TX

Billing disputes

Credit card:

Complaint: On XXXX I booked a room through XXXX and when I went to check-in, I was told their systems were down and they were not able to check anyone in and again, I was instructed to contact XXXX to credit back the {$91.00} I had been charged and was again unable to reach a live person at XXXX. I contact Capital One on XXXX and disputed the charge, which they issued a temporary credit, however, there was a rebill on XXXX for the {$91.00}. I have sent them a letter on XXXX explaining in detail the issue again and have yet to see this reversed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-05

Dallas, TX

Billing disputes

Credit card:

Complaint: On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-05

Primm Springs, TN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-04

Bethesda, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Sarasota, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Baton Rouge, LA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Harrisburg, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response