CAPITAL ONE FINANCIAL CORPORATION

2015-10-23

Bardonia, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Columbus, OH

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the XXXX ombudsman as well with no luck. Illegal and shady practices by XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Jacksonville, FL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Foothill Ranch, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have never missed a payment of any kind in my life, and have made over 110 on time payments to my Capital One line of credit. I recently moved from XXXX to XXXX, and have ended up with a late payment issue with Capital One. Here is the sequence of events. I called to change my address and was told that it updated my loan as well, it did not. I realized that I had not received a statement and called to inform Capital One that I would be making a payment, and at that time they updated my address ( XXXX XXXX ). There was a mix up with bill pay and I paid one of my other Capital One accounts. Thinking I was up to date I had no idea that anything was wrong. In the mean time, even though my address was up to date I received no statements alerting me that my account was past due ( I have not received any statements from Capital One ). On XX/XX/XXXX over a week later I received a call from Capital One collections. The caller ID was only a XXXX number with no reference to my financial institution. I answered the phone but heard no response on the other end. I thought it was a solicitation call. Apparently it was Capital One collections. They did not attempt to call right back or to leave a message. I was contacted at least two additional times by Capital One collections, but a message was never left. I feel that a message in this situation is a must. How can someone not leave a message that your account is past due, when you have a perfect paying customer, and have already talked to them, and in your notes you see that they said they were making a payment. I believe this to be very strange. There was another call made to me where I answered and the whole situation was explained to me. I made my payment over the phone, which has still not been posted to my account, and the wrong payment amount was told to me. I would have preferred to pay everything I owed. I also asked for a supervisor to call me back and have not received a response yet. My major concern is that this will effect my perfect payment history on my credit. Capital One had not talk tracks, information, or escalation path to address my concerns. Even if capital one is at fault they will not help you with the reporting of your late payment. They just inform you that they automatically report to the credit bureaus. This is shocking, because I work for the credit bureau, and this drives consumers to have to dispute things directly through their credit report, which is a poor way to handle a situation like this. Capital One needs a clear cut process of how to address consumer credit reporting issues when a consumer believes that capital one is at fault or has a role of responsibility in the circumstances of the issue. I have never been involved with a collections process form any financial institution, but this experience had made me realize that there is no real hope for consumes if something goes wrong, and that the communication of the departments responsible for alerting consumers and collecting depts. is very poor. In addition I am very concerned that there is not an easy way to escalate a situation with capital one, through their website, or speak to anyone above a supervisor at the call center. For someone that has never had an issue with paying, and has fallen into the stressful situation of moving to another state and encountering an issue with updating my information with my financial institution, I need help. From my prospective there is not way to mitigate this situation other that to contact a third party regulatory agency such as the CFPB. I hope that you can assist me with getting Capital One 's attention and resolving my issue, along with protecting the integrity of my credit score which we all know is extremely important, and something I have worked a life time to achieve. Thank you in advance for you assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Main Office, VA

Credit card protection / Debt protection

Credit card:

Complaint: I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Alpha, WA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Fort Macarthur, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Katonah, NY

Application processing delay

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Charlotte, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Mesquite, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Miami, FL

Credit determination

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-22

NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Fort Worth, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Itasca, IL

Delinquent account

Credit card:

Complaint: Capital One is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Capital One is ignoring. I even contacted Capital One but they advised they sold the account and no longer have control of it. This is for a credit card that had a credit limit of {$300.00} and was opened in XX/XX/2011.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Magnolia, TX

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Warren, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Bremen, GA

Billing statement

Credit card:

Complaint: I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Ind Hbr Bch, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Finksburg, MD

APR or interest rate

Credit card:

Complaint: I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Fred, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. Send us written authorization that gave you access to our credit files. SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

GA

Credit determination

Credit card:

Complaint: I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Brandenburg, KY

Credit card protection / Debt protection

Credit card:

Complaint: I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-21

Clovis, CA

False statements or representation

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-21

Flushing, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response