CAPITAL ONE FINANCIAL CORPORATION

2015-12-03

San Francisco, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Oxford, GA

Billing statement

Credit card:

Complaint: For several months XX/XX/XXXX I did not receive statements on my Capital One credit card. I was on the phone monthly trying to resolve the issue with them. They blamed the XXXX Postal service, but I believe the issue was with Capital One. Their representatives assured me that my payments would not be treated as late because I did not have statements to pay from. As soon as I received a statement, I paid it and even did a couple of wire transfers. Recently I discovered that they reported a late payment for XXXX XXXX. I have NEVER had a late payment in my XXXX years of credit card use and this should NOT be on my record since I did not have statement to pay from. Dating back to XXXX XXXX, I have contacted them several times to have this removed from my credit report. They agreed when on the phone but they never sent the update to the credit bureaus. Today, I conferenced XXXX and Capital One on the phone. During that call, Capital One stated that they never sent those updates to remove that from my record and that they were not going to. So, for months Capital One representatives have been lying to me. During my calls, they would never put anything in writing for me because of " policy, '' but I see now it was because they were flat out lying. A " Late Payment '' should NOT be on my credit report record because of Capital One 's issue with statement processing. This is the only blemish on my XXXX years of credit and I was NOT late. THIS IS WRONG! They are a terrible company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Canyon Cntry, CA

False statements or representation

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-03

Warren, RI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-03

Fresno, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} P.S. In year XXXX, my identity was stolen.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Queens, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I had applied for refinancing my apartment loan with Capital One Bank. After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. They indicate that if the COOP would pay a little more of insurance, than they would approve. They also told me that I will not find another financial Institution that would refinance it. I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. I do not think this is right and apparently there is nothing that I can do about it. I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-03

CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Fort Pierce, FL

Billing disputes

Credit card:

Complaint: The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Bohemia, NY

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

2015-12-03

Newnan, GA

Delinquent account

Credit card:

Complaint: I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-02

Keller, TX

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Mansfield, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-02

Villas De Plan Bonito, PR

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

Greenbrae, NV

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Adrian, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-02

Ellis Island, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Charlotte, NC

Delinquent account

Credit card:

Complaint: CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

NY

Bankruptcy

Credit card:

Complaint: I had XXXX S.O.N.Y. cards and XXXX XXXX platinum master card, I sent them decease and desist letters and they still are sending me statements in the mail. I have called both companys many of times and they wo n't quit harrassing me for money. I am on XXXX, XXXX, H.U.D. and food stamps, am poor and can not afford to pay the fees. They wo n't quit harrassing me and sending me statements. I would like something done about them harrassing me, I pleaded a chapter on bankruptcy, and they still want their money. What do I do? Please respond to XXXXXXXXXXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Washington, DC

Credit determination

Credit card:

Complaint: Capitol One entered XXXX hard credit checks against me today, and I have no business with Capitol One. Please remove it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-02

Arco, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Norwalk, CA

Other

Credit card:

Complaint: Kohl 's will not fix a chain reaction issues that started with their site failing to work with XXXX XXXX. I have spent hours on the phone with Kohl 's and a woman named XXXX at the Kohl 's Headquarters gave me a number that can not be reached XXXX and the Receptionist confirmed the number correct and issues with calls going through. I have left messages and even emailed the board of Directors. I am getting charges each month and Kohl 's told me that I am in Kohl 's collection Department despite the fact I have never paid late. Kohl 's Promised to fix this and gave the director number to XXXX which I explained and will not resovled the issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Oldsmar, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-12-01

Riverside, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response