CAPITAL ONE FINANCIAL CORPORATION

2015-12-21

Ceres, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-21

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-21

La Quinta, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Acworth, GA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-21

Round Top, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Saint Paul, MN

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Sarasota, FL

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX/XXXX/2015 I placed an order with XXXX in the amount of {$41.00}. When I did not receive shipping information I logged into my account and noticed the order had been canceled. I called XXXX and was transferred to their Loss Prevention Department. They gave no information for the cancel other that it was done by a third party company named XXXX. I do not know who this company is and have not done business with them. I was given XXXX 's phone number. I contact XXXX who would not give any reason as to why the order was canceled even though my credit card company, Captial One approved the charge. XXXX said they could not release the funds back to my credit card and told me to call Capital One. I then called Capital One who informed me the could not release the funds back to my account and that XXXX had to do the release. I explained that XXXX informed me to call them. At that point the Capital One representative told me there was nothing he could do. I asked him if this third party company who I had never done business with could really hold my money indefinitely. He claimed them could and ended the conversation.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-21

Brooklyn, NY

APR or interest rate

Credit card:

Complaint: I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

PA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: I had a outstanding credit card debt with Capital One. I was contacted by XXXX XXXX XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over XXXX years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted Capital One and XXXX to no results
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Miami, FL

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-21

Houston, TX

Advertising and marketing

Credit card:

Complaint: This complaint pertains to the direct mail marketing practices of Capital One. Although under the Constitution companies and individuals have the right to free speech, i.e., the right to solicit consumers, solicitation of financial products including those containing partially completed applications and especially if " pre-approved '' can in today 's world cause harm if they fall into the wrong hands as well as place a burden on the recipient with respect to their proper destruction. As a result, they are not the same as the weekly ad that comes from the supermarket. On XXXX/XXXX/XXXX I sent a " permanent '' " Opt-out '' form from the XXXX XXXX XXXX to the XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The form was honored in a timely fashion by XXXX and XXXX. Experian conveniently ignored this request until I filed a complaint through the Consumer Financial Protection Bureau earlier this year. Since the beginning of XXXX I have been receiving unsolicited offers of credit from Capital One for their XXXX Rewards and XXXX Rewards cards sometimes on almost a monthly basis ; scans of the front of the envelopes for XXXX of these are attached ( CapitalOneXXXX ). Most of these offers have been addressed to my legal name but recently a " fictional '' name has been used either separately or in parallel with my real name so that sometimes XXXX offers a month are received. This " fictional '' name uses the initials of my Middle and Last Name and my First Name as my Last Name, i.e. Middle Initial/Last Name Initial/First Name as Last Name. Nowhere does that name appear on any of my credit reports ; I have NEVER used that name for any purpose or granted anyone permission to use that name with any of my personal information for any purpose. I would hope that use of that name would NOT allow a person to gain XXXX clearance, apply for insurance, get an XXXX refund etc. when used in conjunction with my address let alone obtain credit. If this name is that of a " real '' person THEY DO NOT RESIDE AT MY ADDRESS and THE USE OF THIS NAME MAY BE PART OF AN IDENTITY THEFT. Having recently reported an Identity Theft to both the FTC and the Sheriff there could be someone who has created this " fictional '' person and is using my address for nefarious purposes. The so-called " Identity Protection '' company XXXX has also sent solicitation by mail to my address using this name. Based on previous experience I know that Capital One 's unsolicited offers will continue unabated month after mind-numbing month for many years to come. If a person has not responded after XXXX or XXXX offers, why would they respond after XXXX, XXXX, XXXX or more? I do not exaggerate when I state these numbers of offers. Prior to the financial crisis of XXXX I was also relentlessly marketed by Capital One, including offers for " XXXX '' branded credit cards ostensibly based on the spelling of my last name and their guess as to my heritage. While there is no law against this type of grotesque and to some people possibly offensive ethnically-based marketing, the long-term tactics that Capital One has used are deeply troubling and over the many years have the effect of " stalking '' given their sometimes deeply personal nature and relentless regularity. I 've seen Capital One 's ads on TV. If I want a credit card I will research it and apply as I see fit. Based on Capital One 's behavior I would not do business with them and have NEVER responded to any of their offers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Oldenburg, IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-20

Austin, TX

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-20

Margate, FL

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-19

Boston, MA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-19

Courtdale, PA

Bankruptcy

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-19

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-19

Henrico, VA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-19

Corpus Christi, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-19

Cocoa, FL

Customer service / Customer relations

Credit card:

Complaint: I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Wonder Lake, IL

Overlimit fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Apple River, IL

Late fee

Credit card:

Complaint: I have a Capitol One XXXX XXXX that I pay every month with on line bill pay. I do not get statements from them either paper or email. If I want to see my statement I have to go on line and look for them. This is a big part of the problem. I pay them {$75.00} a month every month to clear my balance which was about {$2000.00}. I have this set up in my bank 's bill pay to automatically arrive on time every month. In XXXX of XXXX I made a payment of {$35.00} instead of my usual {$75.00}. Unfortunately the minimum due was {$39.00} which I did not have a statement to see. Since I paid {$4.00} under the minimum due I got a {$35.00} late fee added to my account. The next month I went back to paying my {$75.00} a month not knowing I was getting a late fee and added interest EVERY MONTH for the last 18 months because they never sent me a letter or called me about my account. I just happened to go online in XXXX of XXXX expecting to see my balance almost being cleared. You can imagine how upset I was, how angry I was when I saw that my monthly payments were getting taken up by late fees and added interest every month and all the months of on time payments being made for more than the minimum due had gotten me nowhere because of a {$4.00} typo when I paid my bill in XXXX of XXXX. I have never even missed a payment on this card! I called Capitol One and the representative gave me credit for {$210.00} XXXX 6 months of late fees ) and {$94.00} in interest payments. While I appreciate the gesture it is not enough. I wrote a letter to XXXX XXXX at Capitol One and received form letters talking about late fees and interest and saying that I would not be getting any more money back. I called Customer Service again and was told that XXXX XXXX has the final word and nothing more can be done. I have been charged {$590.00} in late fees not to mention all the interest that I should not have been charged. All because of a {$4.00} Typo! And they never sent me a letter or bill, OR called to let me know there was a problem with my account. This is just wrong! Please do what you can to help me correct this injustice!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-18

S Salt Lake, UT

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!
Company Response: Closed with explanation

Disputed: No Timely Response