Capital One Consumer Loan Complaint

Installment loan Managing the loan or lease

Capital One Consumer loan department,

Installment loan Managing the loan or lease California

RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around - - 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On - - I did so and the representative stated to me that I could pay the minimum balance of $15.00 to keep my account from closing and out of collections. On - - 2015 I made a payment of $15.00 and subsequently made payments of $8.00 on -/-/15, $18.00 on -/-/15, and $5.00 on -/-/15 exceeding my minimum balance requirement of - for -. After making an $89.00 payment on -/-/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of $93.00. I was told that my the $190.00 security deposit had had been applied to my balance along with my membership fee of $29.00. I was told my account was closed on -/-/15. It was closed over a balance of $100.00, the original rep did not inform that to keep my account from being closed it would be $100.00 or I would 've paid that amount I only paid $15.00 because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other $100.00 I added toward my security deposit which is the reason my account has a credit limit of $300.00, instead I still owe them owe them $93.00.

Capital One customer in California
Jun 16, 2015

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

Created with Highcharts 4.2.3Capital OneComplaint HistoryComplaints3/20124/20125/20126/20127/20128/20129/201210/201211/201212/20121/20132/20133/20134/20135/20136/20137/20138/20139/201310/201311/201312/20131/20142/20143/20144/20145/20146/20147/20148/20149/201410/201411/201412/20141/20152/20153/20154/20155/20156/20157/20158/20159/201510/201512/20151/20162/20163/20164/20165/201605101520Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Capital OneManaging the loan or lease1.2%77.1%9.3%7.9%0.5%3.8%0.2%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageManaging the loan or lease1.9%76.9%9.2%8.4%0.5%1.4%1.4%0.3%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressUntimely responseSource: Consumer Financial Protection Bureau

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
richard.fairbank@capitalone.com
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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