CAPITAL ONE FINANCIAL CORPORATION

2016-01-04

Shulerville, SC

Delinquent account

Credit card:

Complaint: Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Canton, OH

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I was sold a vehicle XXXX/XXXX/XXXX. A vague description was given to me stating that the vehicle I purchased " is a used vehicle that has had prior structural body repair work, indicting that the vehicle has previously been in an accident ''. I went to trade my vehicle in at another dealership on Saturday XXXX/XXXX/XXXX and they pulled the XXXX which showed that the vehicle had been found to be a Total Loss Vehicle as of XXXX/XXXX/XXXX. I was never given the XXXX, offered to see it & or was anything divulged that this had been a Total Loss Vehicle. I called the dealership, XXXX XXXX XXXX XXXX, after I returned home & was told by a man, XXXX ( who later identified himself as a Partial Owner of the dealership ) that it was " Not a big deal to have a Salvaged title ''. I told him it was a problem as I was never informed of this matter and Never would have purchased the vehicle knowing it had a been deemed a Total Loss/Salvage vehicle. I explained that this is/was fraudulent not to divulge this information prior to the sale of the vehicle. I requested him to pay my loan in full at this point. XXXX asked me to find out what the dealership I was trying to do the " trade in would take from the appraisal prior to looking at the carfax and he would purchase the unit as a trade in from me. I told him I would not do a trade in with his dealership and he needs to pay my loan in full period. I told him I do not even know how " XXXX XXXX '' did the original financing on this loan with a Total Loss/Salvage title. I have since done a refinance on the loan with Capital One and I have sent them an email notifying them what is going on as of XXXX/XXXX/XXXX along with requesting a copy of my title be sent to me also. I am looking for matter to be resolved immediately. I have sent him XXXX emails and with the information he requested from me but have not heard back from him still. When I purchased my this vehicle the dealership was very rushed. After I had been the unit I had to take the unit into XXXX XXXX to have it looked at for the Battery light staying on. I then found out that they never put a battery holder back in the car ( as the vehicle per XXXX had front impact damage, vehicle towed and airbag deployed ) which caused the wire to move and break the censor which would cost over {$1000.00} to fix due to how they have to do it. The car has had a clucking noise coming from the left front side also as it seems to be stemming from the original frame damage it had originally when it was deemed a total loss. I was completely shocked when I found this news out and just want the XXXX XXXX XXXX XXXX to do the proper thing and pay the loan off and they have the car back.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

TX

Billing disputes

Credit card:

Complaint: XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Dallas, TX

Delinquent account

Credit card:

Complaint: It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Mill Creek, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Austin, TX

Advertising and marketing

Credit card:

Complaint: CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

East Rockaway, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. I believe Capital One is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to Capital One. XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Jacksonville, FL

Other

Credit card:

Complaint: I have contacted Capital One XXXX time for information pertaining to a charged off credit card reported on all XXXX of my credit reports. They stated that the account was charged off when Capital One purchased XXXX. I said i have never received a XXXX cancellation of debt form and requested one XXXX separate times. After the third phone call received a XXXX form from another account i had with Capital One ending in # XXXX, not the one i requested. I extensive records of every credit card and credit card bill from over 10 years back and i can find no record of ever having this account or having this card with Capital One. The only information i can find about this account is on my credit report stating a balance of {$2700.00} and the last XXXX digits of the account # XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Charlotte, NC

Billing disputes

Credit card:

Complaint: I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

Palos Park, IL

False statements or representation

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-03

Redding, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

Arco, CA

Transaction issue

Credit card:

Complaint: I bought product from a kiosk at the XXXX XXXX from a company Called " XXXX ''. They fraudulently did not disclose that all sales are final and tricked me into buying the product with no course of refund. I tried to dispute the transaction with Capital One and they denied my case and told me to work with the merchant. They promise fraudulent protection yet denied me when I needed it the most. If i could have resolved the issue with the merchant I would have. But the fact I couldnt want why Iook the option to dispute the charges
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

NC

Customer service / Customer relations

Credit card:

Complaint: Capital one undelivered card and customer service and downgrade and identity theft affadavit unworked
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XX/XX/XXXX, I was in XXXX XXXX and my wallet got stolen with all my credit cards and debit cards. Whoever stole the cards used my Capital One Venture card at a XXXX and charged {$2200.00}, {$2400.00}, and {$2400.00} all on XX/XX/XXXX at XXXX. The culprit also spent {$1000.00} on XXXX other cards which was XXXX XXXX and my XXXX XXXX card. I called all XXXX companies the day after ( Saturday XX/XX/XXXX ) immediately after I realized my wallet was gone. All the companies said not to worry and that everything would be taken care of and I was definitely not going to be held liable. After about a month, all the companies did what they promised and all charges were refunded. I then felt secure and went on about my life thinking everything was okay. Some time passed maybe another two weeks and Capital One sent me a notification that they were not recognizing my fraud claim and that it was not considered fraud. I immediately called them to figure out what was going on. It is now XX/XX/XXXX and they still will not take these fraudulent charges off my account. I have spoken to XXXX XXXX. ( they will not give me her last name ) in the fraud department what seems like hundreds of times, talked to her manager, and anyone else who will speak to me in the fraud department and get no where. They say it is my job to prove that it was not me who made the charges, which I have done to the best of my ability. I have done everything they have asked of me including filing a police report with the XXXX XXXX Police Department. They still are charging me! I have had arguments and explained to Capital One that they told me I am not liable and even took it off my account for about a month just to be put back on. They are basically calling me a liar and instead of being innocent until I am guilty they are saying I am guilty until I can figure out to prove my innocent which I feel like I have. I am not a lawyer and do not really no where to go from hear. I even told them that both other credit card companies recognized them as fraud ( thanks and great customer service from XXXX XXXX and XXXX XXXX ) but Capital One says they do not care and that their fraud requirements are different. I am just requesting what Capital One told me when I signed up with them, that I would not be held liable for fraudulent charges and to take off the fraudulent charges. I have all detailed information to move forward with a resolution or if it is not resolved a lawsuit. Thanks for your Time, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

Superstition Mtn, AZ

Other

Credit card:

Complaint: Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

Leming, TX

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

Jacksonville, FL

Payoff process

Credit card:

Complaint: I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

Chicago, IL

Customer service / Customer relations

Credit card:

Complaint: XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-02

Gastonia, NC

Credit determination

Credit card:

Complaint: i applied for a capital one credit card and was denied via email, there is no attachment, there is no letter there is no explanation of any kind form capital one. i have talked to XXXX supervisors at c/one and of course they wo n't provide any information. i checked all XXXX major credit reporting agencies and i have credit ratings over XXXX on all three, i pay my small balance two or three days after i receive statements, i just want to know why i have been denied and they are unable/unwilling to give me this information, i believe this is a violation of the federal lending laws, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, nc XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

MT

Privacy

Credit card:

Complaint: My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Since XXXX XXXX, 2015 Capital One has done everything but help me, a victim of fraud by keeping me on hold for more than 20 minutes at a time. I 've had to talk to an average of XXXX people every time I call, waste 2 - 1/2 hours, talk in circles and ca n't even talk to someone who speaks XXXX. They refuse to help me get my credit card account back in order and expect me to pay for charges that are n't mine. I 've had rude representatives accuse me of having a husband and allowing him to use the card, having a drug addict for a family member steal it, been accused of losing the XXXX credit card when I was HOLDING THE CARD IN MY HAND, and ca n't even verify who I am with the company. They are making outrageous demands and refused to acknowledge that someone has hacked my account. The representatives demanded I send them my driver 's license, bank account information and statements, social security card without giving me any alternatives at all. I do NOT live in a XXXX area and need a driver 's license to legally drive. They refuse to help me at all and hang up after keeping me on hold for 20 - 30 minutes and my next stop will be to XXXX places since I ca n't continue to take this kind of abuse. 1. I will take the recorded conversations from the racist and sexist reps and upload them to an account and link it to show people the extreme bias and victim blame this company practices with impunity. I have NEVER had a late payment and for someone to get into my account, change ALL of my contact information, have Capital One send them MY INFORMATION and a replacement card is outrageous. I have been a model customer and now they 're claiming I owe them money when I 've paid off my card. I even have a rewards balance of {$77.00} and they will NOT even acknowledge the fact they failed to pick up on any fraud. I have had at least XXXX charges after they lied about locking/restricting the account and will not pay them since I have NOT used the credit card in question. ALL charges that I had made have been paid off. 2. I will have no choice but to contract a law firm, most likely the XXXX to advocate on my behalf for the minimum of a breach in contract against Capital One and for damages to my credit score, mental, emotional and psychological health. This means any absurd claim they have ( as I have already consulted a lawyer ) stating I " ca n't sue via class action or other '' means it is null and void since Capital One has breached their own contract agreement. Since I have wasted an absurd amount of time documenting this fraud, filing a complaint with the local sheriff 's department, followed up with law enforcement, gone through all of my information, filed with the appropriate departments and government entities, there is no reason at all for Capital One to treat me like a criminal. No one has bothered to call me at all with the number I left every single representative. As a victim I have performed every single due diligence and there is no excuse for this. I do have rights and if I have to exercise them I will do so as a victim of fraud and a U.S. citizen in the court of law in order to protect myself from Capital One. I have not received any response and will take any lack of further action as acknowledgement of aiding fraud by criminals through Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-01

NY

Other

Credit card:

Complaint: I am writing because I believe I am being scammed by my former credit card provider, Capital One. I recently called their customer service to ask for help with an unauthorized charge to my credit card. On XX/XX/XXXX, after my car broke down, I called XXXX XXXX XXXX for a tow. The tow-truck driver attempted to use my credit card twice as payment for the tow. He told me the charges were declined or failed to go through. As a result, I was forced to pay {$50.00} cash for the tow. Three days later I had XXXX {$50.00} charges on my credit card, which I assumed were from those two attempts. I called Capital One on XX/XX/XXXX. I explained that I had not authorized the charges, and that I had " no receipt '' or any other document of such transactions. I expected Capital One, to call either the tow company or its credit provider to find out what the problem was. They clearly did not make any form of contact with either since I spoke to the owner of the tow company. When I called the tow company on XX/XX/XXXX, I was told that their records did not show any charges. I was assured that even if my credit card was charged accidentally, the credit will return. This I believe is where a possible scam within Capital One is taking place. I suspect that when a customer calls about unauthorized credit card charges, which Capital One would otherwise have returned had the customer not tipped them off by asking to dispute the claim, rather than crediting the customer 's account, Capital One instead initiates some bogus claim dispute. Capital One asks for documents that it clearly knows do not exist, such as credit receipts for fraudulent charge, which the customer " has explained do not exist, '' in order to prolong the process or get a customer to default on a claim. Through this process, I suspect that Capital One scams its customers out of money, which it would otherwise have returned to the customers ' credit cards had the customers not asked Capital One for help. Because I refused to accept this, I have been led for 3 months to believe that my claims would be taken care of. I believe Capital One has done nothing the whole time since I have been the XXXX contacting them to get any serious update. For instance, I received a letter dated XX/XX/XXXX, which stated that XXXX of my {$50.00} claims was closed. The letter said that the other {$50.00} claim would be rebilled to the merchant, and if the merchant recharges my card, then it would be closed as well. When I called Capital One on XX/XX/XXXX for updates, I got all kinds of obvious excuses. I was told that based on the document I sent, none of my claims were strong enough. So, I should dispute the claims with the merchant. They did not mention anything about the rebill to the merchant, which was strange since my credit card was recharged only {$50.00} suggesting that the other {$50.00} supposedly rebilled was likely just another last minute excuse, considering all they had to do was add or subtract numbers. Furthermore, about a month ago, Capital One was uncooperative when the tow company owner asked me for documents to show his credit company to look into my dispute. Capital One created an impression that if I sent them a copy of my original " cash receipt, '' they would fight the dispute. Yet, during the XX/XX/XXXX phone call, I was told that based on the receipt I sent, they did not feel I had a strong case worth fighting for. I have had smaller credit charges to my account in the past, which they have not even requested a single document, and which were less credible than this one. I feel that they may be bias against me perhaps because I recently opened a {$4000.00} credit line with XXXX XXXX. I was also recently forced to close my Capital One bank account because they started charging me monthly fees, around XX/XX/XXXX, even though when I opened the account I was guaranteed no monthly charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-01

Orion Twp, MI

Overlimit fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-01

TN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX, my husband purchased a XXXX Jeep Patriot from a local dealership in our area, using his truck as a trade-in towards the purchase and took possession of the new vehicle. After having the Jeep for almost two weeks, the Sales Manager of the dealership called my husband with a " small glitch '' with the financing. At the time, my husband was receiving a small income from the SSA due to his XXXX. We both went to the dealership where we were told that he did n't have enough income for any of their lenders to finance his loan for approximately {$16000.00}. The Sales Manager insisted that we apply as co-applicants since I had stable employment and this would provide a better demonstration of being able to afford the vehicle with the combined incomes. Due to exhaustive medical bills after my husband 's XXXX, I knew my credit would have a negative impact on the application, and my husband and I requested to cancel the entire purchase - relinquishing the Jeep and asked for his truck back. At that time, we were informed the dealership had sold his truck and that we were essentially stuck with the Jeep despite not yet having a lender willing to " buy the paper. '' The Sales Manager " finally convinced '' Capital One Auto Finance to fund the purchase and it only increased our payment " a little bit '' -- bringing the payment to {$480.00} per month. He produced a new sales contract and specifically instructed us to date the contract for the original date of purchase ... two weeks prior ... which invalidated and denied us with our right to a 3-day period to change our minds as buyers. XX/XX/XXXX, my husband and I were victims of a bank compromise wherein our bank account was immediately depleted of any and all funds deposited. This caused our first payment to CAPONE to bounce, and we immediately made arrangements to cure the issue. For 3 months, we made XXXX payments each month. Over 3 years later, CAPONE is still reporting us to be 180 days in arrears, destroying any attempt to rebuild our credit while juggling ongoing medical expenses and financial hardships. CAPONE repeatedly called us while my husband was in hospital, after XXXX, while in XXXX, and even when he was XXXX. We have paid late, but have paid EVERY month since being conned into what we recently found out was a lose-lose, never-ending predatory loan. CAPONE has informed us that the type of loan set up was not designed to be paid off and if it ever is, we will have paid almost 3 times the value of the vehicle over the course of the loan. We have requested to have the loan refinanced, to which CAPONE stated they do not refinance their loans. When attempting to refinance with local lenders, they have informed us that we are in a predatory loan and that due to the majority of all our payments going towards CAPONE interest revenue, very little of our payments have gone towards the principal value of the Jeep, and therefore they are unable to help us. This type of action is derelict on the part of a financial institution and not within compliance of the federal regulations in place to protect consumers ' interests. One agent with CAPONE even acknowledged that their business is aware of the faulty lending practices from the dealership but said their hands are tied and we are essentially stuck with the vehicle, the huge payment and the irreparable damage to our credit as we struggled to meet our obligation ... and then asked when she could set up our next payment for processing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Bakersfield, CA

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response