CAPITAL ONE FINANCIAL CORPORATION

2015-12-31

Glendale, AZ

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Poughkeepsie, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

OH

Billing disputes

Credit card:

Complaint: yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-31

Smyrna, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a letter with my address and someone else name for credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Tarzana, CA

APR or interest rate

Credit card:

Complaint: I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-31

Las Vegas, NV

Credit determination

Credit card:

Complaint: I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Shulerville, SC

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Brooklyn, NY

Taking/threatening an illegal action

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

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Brick, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-30

Hamden, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Lynn, MA

Billing disputes

Credit card:

Complaint: I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. My balance with Capital One is {$300.00} less then the aount on y report. XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-30

Las Vegas, NV

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-30

Jupiter, FL

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

TX

Privacy

Credit card:

Complaint: On Tuesday XXXX XXXX, 2015 at approximately XXXX CST I was transferred to a Supervisor by the name of XXXX , Agent ID # XXXX. The purpose of my transfer was to have a {$100.00} pending transaction to be released from my account from a hotel I previously checked out of the same day ( XXXX XXXX, 2015 ). XXXX ( supervisor for Capital One ) conferenced the Merchant 's Account Specialist by the name of XXXX XXXX to verify if the pending transaction could be released. XXXX XXXX authorized XXXX to release the hold. Upon releasing the hold, XXXX the representative for Capital One disclosed my available credit while the Merchant was on the line without my consent. As soon as the Merchant disconnected the line ; I brought to XXXX 's attention that she just violated my privacy by disclosing my available credit to an unauthorized Third Party. This act is a Fair Debt Collection Practices Act ( FDCPA ). XXXX apologized ( the apology was not sincere and was very nonchalant ). I asked XXXX to transfer me to her Manager in which she refused to do so. I advised XXXX, I have been a customer with Capital One for over eight years and I have spoken to several Managers in the past. I asked XXXX for Capital One 's Corporate Office 's telephone number so I could write a complaint. XXXX refused to provide the information. I asked XXXX 's for her Manager 's name and Agent ID Number which both was provided. XXXX 's Manager 's name is XXXX XXXX ID # XXXX. I asked XXXX several times to please transfer me to XXXX ; however, to no avail, XXXX declined. I asked XXXX to put in the request for XXXX to call me back but XXXX declined by stating, " She can not put in the request for my Manager to call you back ''. I advised XXXX, she was not getting out of this situation and that I was going to continue to hold until I was transferred to a Manager. I also advised XXXX, she was going to lose her job behind this incident because I know the call was being recorded and she had done nothing but lie during our entire conversation. I passed the phone to my mother who advised XXXX, " We were going to continue to hold until we were able to speak with a Manager ''. My mother and I asked to be transferred to the President of the Company 's but XXXX still would not provide the information. XXXX finally put me on hold and transferred me to another member of Management by the name of XXXX XXXX ID # XXXX. I advised XXXX of XXXX 's misconduct and violation of my privacy laws. XXXX agreed that XXXX should have not given my account information to the Merchant 's without my consent. XXXX provided me with the fax number to Capital One 's Complaint Department. I asked XXXX for her Manager 's name which is XXXX Agent ID # XXXX. I advised XXXX I was going to sue Capital One for this violation of my privacy rights. In addition, I asked XXXX for their Department 's Executive Vice President 's Name in which, XXXX responded and stated, " I do not have this information ''. I advised XXXX, I find this unbelievable that she does not know the Executive Vice President 's Name and she is a member of Management. XXXX, " Asked how she could remedy this instance that occurred today ''. I asked could she raise my credit limit XXXX stated, " This has to be done through our credit increase department ''. XXXX offered to provide a {$50.00} statement credit for the inconvenience. I advised the credit would be sufficient. I asked XXXX, what ramifications the agent XXXX would receive for this privacy violation? XXXX stated, " She would give the proper feedback to the agent ''. I advised XXXX, the agent should be terminated because if I had violated a consumer 's privacy at my company I would lose my job. I also asked for XXXX to partner with me and review the call. The call was ended. I need for someone in Upper Management to contact
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-30

Thompsons Station, TN

Other

Credit card:

Complaint: THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Ridley Park, PA

Late fee

Credit card:

Complaint: I went into the XXXX in XXXX, PA and paid my Boscov 's credit card in full. I then received a bill in the mail with a {$25.00} late fee and charges of {$2.00} and XXXX on top of my balance that I already paid. When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payment when I paid them by check, which my bank faxed them. They told me they were suspending my account. I paid my bill on time at the store. Is this how they make money by taking advantage of seniors - asking us to pay twice and then threaten me with late charges and shutting down my account. I have never been late and on a fixed income - I cant afford to pay twice and let them figure it out if they EVER figure it out.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Indianapolis, IN

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-29

Columbia Heights, MN

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Gr Blanc, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Shreveport, LA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-29

Highland Park, NJ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

El Paso, TX

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Jersey City, NJ

Billing disputes

Credit card:

Complaint: I requested on XXXX 2015 for Capital One to have my credit card closed and I paid my account in full. Capital One put the account in restriction mode and they have assessed their bank fees for annual fee, interest fee and late fee on an account that I requested closed with a zero balance. I am demanding to have Capital One issue credit to account. I contact them on XXXX XXXX, 2015 to request and the agent was so rude and would not provide information. Her name is XXXX ( would not provide last name ) ID # XXXX, telephone XXXX. I asked her why she ca n't provide last name since I provide my personal information she was so rude and stated she ca n't.
Company Response: Closed with monetary relief

Disputed: No Timely Response