CAPITAL ONE FINANCIAL CORPORATION

2015-11-04

Winston Salem, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Lk Buena Vis, FL

Bankruptcy

Credit card:

Complaint: Capitol One reported to XXXX, XXXX and XXXX that my Capitol One XXXX account ending in XXXX was " included in bankruptcy. '' I have never placed any Capitol One account in any bankruptcy filings. I have asked both Capitol One and XXXX, XXXX and XXXX to investigate, verify and validate the account ending in XXXX was included in any bankruptcy. The result of the investigation allege it was verified by Capitol One and XXXX, XXXX and XXXX. The reporting of such is false and inaccurate by Capitol One and each credit bureau.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Hamburg, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In regards to existing complaint/dispute # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX sent me a response indicating they inherited this matter from another firm. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX ( " XXXX '' ) of which XXXX. received this from Capital One. I am looking for a resolution from Capital One or XXXX, by providing original application, signatures, customer agreement, etc.., as that would conclude this matter, because I am certain this debt was not made by myself.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Winston Salem, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-03

Main Office, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: i received an e-mail alert telling me that a capitol one auto pulled a hard inquiry and pulled my report and used my social security # without my knowledge and did not speak with me prior to this about this loan, i called capitol one they said they did not pull my report, i then called XXXX they said capitol pulled my repot and my social security # and XXXX told me that some of the information did not match what i have on file, i then called capitol ione back they said they will forward my information, they hourt me in many ways i very upset when talkin with capitol one im ver stressed out at this time i want a law suit filed im getting tired of co. trying to ruin my credit when im trying my best to get it in order and looking good i did not ask or ok to do this i never talked with anyone for this loan
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-03

Clermont, FL

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Green Bay, WI

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

FL

APR or interest rate

Credit card:

Complaint: I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-03

Patterson, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I bought my house XXXX/XXXX/15. I had escrow held by CapitalOne to cover my taxes of {$3200.00} XX/XX/XXXX. I just received a letter from my mortgage company saying starting XX/XX/XXXX they want to increase my escrow to cover my XX/XX/XXXX taxes which they project to be {$4800.00}. There is no reason to believe my taxes will go up that much. I spoke to XXXX XXXX and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until XX/XX/XXXX The mortgage increase from {$1400.00} per month to {$1700.00} per month will be difficult for me and I do n't think CapitalOne has shown just cause for the increase.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Nitta Yuma, MS

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Chester, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Milwaukee, WI

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-03

Twinsburg, OH

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-03

Twinsburg, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

New Bedford, MA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Beyersville, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Kissimmee, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Birmingham, AL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Discovery Bay, CA

Closing/Cancelling account

Credit card:

Complaint: I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Bohemia, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-02

Wesley Chapel, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. " Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Hamburg, MN

Balance transfer

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-02

Brooklyn, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Fithian, IL

Overlimit fee

Credit card:

Complaint: Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. This is a record of what has happened since XX/XX/XXXX ( the last time I purchased anything with this card ) : XX/XX/XXXXMinimum due {$73.00}, Paid $ XXXXXXXX XXXXXXXXterest- $ XXXXOverlimit fee- $ 39Sept XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest Charged $ XXXXOverlimit fee $ 39XXXX XXXXOverlimit fee {$39.00} ( The previous overlimit fee put me over my limit!!! ) XX/XX/XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest $ XXXXOverlimit Fee {$39.00}
Company Response: Closed with monetary relief

Disputed: Yes Timely Response