CAPITAL ONE FINANCIAL CORPORATION

2015-10-16

Midpines, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Greer, SC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Olmos Park, TX

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Old San Juan, PR

Other

Credit card:

Complaint: I try to apply for the Capital One Quicksilver Cash Rewards by Captial One internet site and they do not provide residents from Puerto Rico to apply. I find this discriminatory.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Town Center, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Austin, TX

Disclosure verification of debt

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

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

Disputed: No Timely Response

2015-10-15

Greece, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-15

Strasburg, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-15

Columbia, TN

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Stantonville, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-10-15

Kissimmee, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-15

Oxnard, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Lewiston, ME

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

N Bethesda, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Boqueron, PR

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Harsens Is, MI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Wayland, MI

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Fresno, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Glenarden, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Indianapolis, IN

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: I spoke with XXXX XXXX around XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Coalinga, CA

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: Kohl 's charged off credit card is showing on my credit report as being charged off. On XX/XX/XXXX I contaced Kohl 's to attempt to settle this debt. Kohl 's said a third party, XXXX, had my account and I needed to contact them. I contacted XXXX ( XXXX ) XX/XX/XXXX and was told that due to the age of this debt ( they mentioned it was over 4 years past due : last acct field XX/XX/XXXX ) they could n't take payment even if they wanted to and would have to send back to Kohl 's. I immediately called Kohl 's back and was told the process would take a few days if XXXX was actually going to send back the account. Over the past couple of months, I have talked to Kohl 's reps several times attempting to settle the account. Their offer got down to about {$1100.00} to settle on XX/XX/XXXX and XX/XX/XXXX which I did n't take. They called me periodically and there were 5 instances where they called in the XXXX XXXX and XXXX XXXX. hour. I brought this to their attention and they did not stop calling at these times, but blamed it on their dialer. I advised them this was in violation of the CA FDCPA and wanted my account marked settled in lieu of filing with a list of agencies including to bring suit for a possible XXXX award. They did n't seem to care. One employee actually said it only mattered where the call was being made. I told her that was ridiculous and untrue, since that would mean someone in another area could then reason to call me in the middle of the night. Once someone apologized for the inappropriate calling times. Several times in these interactions with Kohl 's I was told they could not settle with me because the account was still with XXXX. When I called to attempt to settle, I never knew if they were going to say the account was with Kohl 's or XXXX, as one day it would be with Kohl 's ( and we would try to negotiate ) and then the next week supposedly with CCS ( then they could n't negotiate ) and back to Kohl 's again. On XX/XX/XXXX I called Kohl 's to again attempt to get this debt off of my credit report by settling. On this date I was told by a supervisor that my account had gone back to CCS. He said he did n't know why anyone at Kohl 's had tried to settle with me, because since it was Charged Off they would n't be able to accept anything less than the full amount due ( {$1900.00} ). I told him I 'd received several offers from Kohl 's. He did n't understand why and he said he could n't help me anymore. I called XXXX immediately and was told, again, that they could not take any type of payment for me and had sent the account back to Kohl 's on XX/XX/XXXX and there had been no further activity on the account. They said even if Kohl 's sent back that day they could n't try to get payment on it or take any payment. I called Kohl 's back again XX/XX/XXXX! The person I talked to said there was nothing else that could be done, that she could n't help me. I made her aware that I could n't pay Kohl 's, and I could n't pay XXXX, so I had no way of clearing this debt. She understood but said she could n't do anything. Supposedly she 'd try to submit my account for some sort of review and they would get back to me in a few days. I have not heard or received anything. I can not settle this debt, there is no one I can pay or negotiate with! I even submitted a credit report investigation out of desperation XX/XX/XXXX, but it did n't change anything. Kohl 's remains on the credit report listed as charged off. I need to resolve this as soon as possible, as by now it 's the last old debt I had to take care of. What do I do?? Thanks for any assistance you can provide.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-15

West Covina, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.
Company Response: Closed with explanation

Disputed: Yes Timely Response