CAPITAL ONE FINANCIAL CORPORATION

2015-12-18

Grants Pass, OR

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XXXX, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : I am the Executor of the above estate. It is my understanding that the Decedent owned one or more accounts with your institution. Attached is a certified copy of the Letters of Administration for your records. DAMAGES FOR LOSS OF USE : These are the awards that are made to compensate for a loss of the use of something that would ordinarily earn money. {$1700.00} DAMAGES AND COSTS : the phrase that binds the defendant appealing the award against him to pay the amount of them judgment and interest if his appeal fails. {$130000.00}. Also, my client has XXXX capital one credit card account. He is seeking {$260000.00} in damages. for his checking account getting closed. Moreover, saving accounts the XXXX account numbers are XXXX the demanding amount that owed {$130000.00} the XXXX credit card account XXXX. The demanding sum {$130000.00} DOUBLE DAMAGES : " Twice some actual damages as found by the verdict of a jury allowed by statute in some cases of injuries by negligence fraud or trespass. XXXX. XXXX Fed. Cas. XXXX ; XXXX XXXX XXXX. XXXX. ". The damage amount is {$6500.00}. The total sum of money my client is owed {$140000.00}. On the behalf of my client, I am demanding that he gets everything reinstated if it is not done there will be a class action lawsuit Please confirm that the Decedent did, in fact, own accounts with your Institution and the balance in each of the Decedent 's accounts as of the date of death, plus any interest that had accrued but had not yet been credited to the account. Please separately state the actual date of death balances and the accrued but unpaid interest. Finally, please also confirm the account number of each account and whether there were other joint owners of the accounts. A stamped, self-addressed envelope is enclosed for your convenience. Please contact me at the address given above if you have questions or need additional information. I can be contacted by phone at XXXX or XXXX. An e-mail may be sent to XXXXXXXXXXXX. Thank you for your attention to this matter. ACCOUNT ACTIVITY : The movement of funds in an account. An account statement is a resulting document. INTERBANK DEPOSIT : A temporary deposit to prevent default. Also called hot money. CLEARINGHOUSE INTERBANK PAYMENT SYSTEM ( CHIPS ) : " A private sector fully automated CLEARINGHOUSE system in the United States that is used for dollar based checks and fund transfers as well as payments associated with securities transactions and FOREIGN EXCHANGE trades. '' BANK INSURANCE FUND ( BIF ) : A fund whose deposit money is insured by a commercial bank. It is administered by the Federal Depository Insurance Corporation or the FDIC. BANK DEBITS : When money is taken from an account by the customer. It is used to predict trends and cash demand.. My client is demanding that his debit card be reinstated asap as well as his checking account and his XXXX saving accounts.. CAPITAL ACCOUNT : " In financial accounting the capital account is XXXX of the accounts in shareholders ' equity. Sole proprietorships have a XXXX capital account in the owner 's equity. Partnerships maintain a capital account for each of the partners. '' Sincerely, XXXX XXXX XXXX Barrett 10 Overlook Ridge Dr # 634 Malden, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX PO Box 60 St. XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : Also, to this, my client is owed {$1700.00} he would like that to be returned to his checking account the name of
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-18

San Diego, CA

Customer service / Customer relations

Credit card:

Complaint: I placed order on XXXX XXXX # XXXX. I received confirmation emails with tracking numbers, I tried to search for tracking info and the numbers received showed as incorrect with the shipping company. I contacted Kohls numerous times for tracking information and requested that the items be reshipped with delivery confirmation/signature required. I was notified that items were reshipped. I received another email shortly thereafter that the item was returned to sender as recipient refused. I never received the item, I contacted Kohls to find out where items were being shipped to, they confirmed a different address. I provided them with my current address on every single call I placed to them, upon order submission, upon tracking request and reshipment. Seems they do not update their files. I was assured my account would not be affected and that items missing would be reshipped, or I could cancel item. I opted to cancel the item since they tried to ship it twice and I was not receiving item since they kept sending it to the incorrect address. I have called repeatedly in the last few days and keep getting same run around with me having to provide them with my address, when I provide them with the current valid address I keep getting told that is the incorrect address and that they can not help me unless I provide them with the " old '' address. I do not know what shows on their system and it is not my responsibility to provide them with outdated/incorrect information. At this point, I want them to credit my account for items not received. I received an email informing me of such, however, when I check my account it shows nothing of sorts. I will not call back to be placed on hold for over XXXX minutes only to end being switched to unattended voice mails or have to submit email after email. I should n't have to continue calling and be forced to confirm whatever information they show in their system as I can not see or know what shows- I can only provide them with the information I KNOW to be my current and accurate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Cataldo, ID

Late fee

Credit card:

Complaint: Somehow my XXXX online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my XXXX minimum payment and the agent I talked to said it would be removed and reflected on my XXXX minimum payment as well. I went in to pay my XXXX minimum payment on time ( XXXX when it 's due XXXX ) and the balance was still reflecting the late fee. I talked to a new agent who told me they only removed the late fee off the overall balance and account but can not adjust the minimum payment. If I do n't pay my total minimum payment, including the portion due to the late fee, I 'll accrue another late fee in XXXX. This will continue on until I finally do pay it. So I 'm being charged a late fee on a balance that 's only there due to a late fee they are " unable to adjust ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Arcola, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Norfolk, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Wilmington, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Dayton, OH

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

Lewiston, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Hinkley, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: There is a large discrepancy between what I am paying and the amount that is actually being applied to my principal amount. Due to Capital One 's online payment options, you can only pay from one bank account a day, because of this I scheduled two payments from separate bank accounts that sum up my total monthly payment. From that amount less than {$80.00} went to principal! That is unacceptable!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Saugus, MA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Salton City, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. But a few months later, they did mark my credit report with a late payment. I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Juniper Hills, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Keswick, CA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Ft Lauderdale, FL

Credit card protection / Debt protection

Credit card:

Complaint: I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. I am determined to exposed the fraud that was committed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Harrisburg, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Deadwood, SD

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Mesa, AZ

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Bayonne, NJ

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Lakewood Village, TX

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

South Florida, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-16

Tyler, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Hayward, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Ernul, NC

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. Bottom line : The default judgment is entered against my property, but not against me. The default judgment is against my ex-husband XXXX XXXX XXXX. I can not finish my home mortgage refinance application until the judgment is lifted. A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. XXXX told me the judgment should be released within 30 days. XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-16

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. Please help us save our home.
Company Response: Closed with explanation

Disputed: Yes Timely Response