CAPITAL ONE FINANCIAL CORPORATION

2015-11-13

El Mirage, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Brooksville, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Lakewood, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Cold Spring, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Arco, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Stilesville, IN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Long Island City, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I 've had a problem with Capital One Bank for months now. My account information was stolen and there were several out of state purchases made with both mine and my husband 's debit cards. Capital One refused to investigate and return us the money although they do advertise a risk free debit card. They basically blamed us for everything and did nothing even after we proved that we were not at the place where the charges were made. Their customer service is the worse and we are beginning to suspect it might have been their own employees stealing our account information. We have worked with other banks and are currently using a different one but never encountered this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Stevenson, MD

Other

Credit card:

Complaint: I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

WV

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

De Soto, IA

Late fee

Credit card:

Complaint: I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-13

Odell, OR

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

SC

Credit card protection / Debt protection

Credit card:

Complaint: XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Colo Spgs, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

Mccullers, NC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Edgewood, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Orange, MA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Saint Charles, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

San Leandro, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Nyc, NY

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Hollywood, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Mc Kinney, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Jupiter, FL

Transaction issue

Credit card:

Complaint: I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

Wilmington, DE

Delinquent account

Credit card:

Complaint: My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: This is a XXXX XXXX Capitol One Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called Capitol One when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-12

Murrieta, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response