CAPITAL ONE FINANCIAL CORPORATION

2015-11-19

Warrenton, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-19

Nyc, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

CA

Delinquent account

Credit card:

Complaint: XXXX XXXX I XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # *******************Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the XXXX credit reporting agencies. Although I made a late payment XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred XX/XX/XXXX. These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. I look forward to hearing from you soon. SincerelyXXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-11-19

Ridley Park, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-18

Aventura, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Ave Maria, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-18

Woodland Hills, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Anaheim, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Seattle, WA

Privacy

Credit card:

Complaint: I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Odessa, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Gretna, LA

Incorrect information on credit report

Credit reporting:

Public record
Complaint: I had a judgement against me with Capital One about 8 years ago. The judgment has been satisfied for several years now. The account was suppose to be removed once the account was closed. The account is over seven years old and should be removed from my credit report. I spoke with the courthouse to remove the account and provided full payment info, which they already had on file. I was told the Capital One has to remove the file. After speaking to Capital One over the past several years I seem to get nowhere. Capital One tells me that I have to have the courthouse remove it. I seem to get the runaround and no one knows who I should speak to.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Las Vegas, NV

APR or interest rate

Credit card:

Complaint: I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

AZ

Forbearance / Workout plans

Credit card:

Complaint: While applying for a home loan my wife and I noticed a Capital One XXXX XXXX card on her credit. We do not have this card and do not shop there. It has a {$88.00} balance and $ XXXX payment but we did not open this card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

NJ

Other

Credit card:

Complaint: Capitol One keeps reinserting a delinquent account that I was an authorized borrower on. They are reporting it as a joint account and it was never a joint account. I have a current capitol One account that has never been late.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-18

Northside, NC

Credit line increase/decrease

Credit card:

Complaint: I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-18

Dallas, TX

Closing/Cancelling account

Credit card:

Complaint: I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Dallas, TX

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Complaint: Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. XXXX ( b ) - ( e ) sending me results of the investigation. XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. Please see the attachment in this CFPB complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Kendall, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Meridian, ID

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-17

Pittsburg, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-17

Chesapeake, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Federal Way, WA

Closing/Cancelling account

Credit card:

Complaint: My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I was in a XXXX XX/XX/XXXX 2013. The day before I flew to XXXX for tour I was XXXX year old who was not paying attention. I was at a XXXX, he was going over XXXX. XXXX company, the person at faults insurance company and Capital One Auto Finance were in touch with each other to dispute the issue. XXXX XXXX was going to pay, however we ended up going with the person at faults insurance. This obviously took a month or so to get worked out, during this entire process I was told everything was fine and my credit would be intact since the car was a total loss. In XXXX Capital One sent me a bill asking me to pay at a lowered rate, to make the account current/closed. I paid the amount they asked. In XXXX I pulled my credit to see that Capital One not only put that I did not pay and was late XXXX, but that I did not pay the full balance ... I tried reaching out to them, they told me they had updated the system, but no- my credit is still hurt from this and everyone points the finger at someone else.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Indianapolis, IN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

Lewisville, TX

Other

Credit card:

Complaint: HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS
Company Response: Closed with explanation

Disputed: No Timely Response