CAPITAL ONE FINANCIAL CORPORATION

2015-10-13

Fort Worth, TX

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Dearborn Heights, MI

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Newark, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX XXXX is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in XXXX. I paid the account in full XXXX of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to Capital One 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). Capital One 's counsel motioned for dismissal prior to trial and cased was closed. I have disputed the account, presented proof of payment to the courts and yet Capital One sold XXXX of the accounts to XXXX. How many times must I be harassed over a paid account? I wrote XXXX after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. If Capital One 's counsel failed to notify Capital One of the law suits outcome and or Capital One failed to notify Portfolio that is not my problem. XXXX has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

TX

Customer service / Customer relations

Credit card:

Complaint: I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-13

Garrett Park, MD

Transaction issue

Credit card:

Complaint: I purchased a coffee maker from XXXX, that I ship back to them. Capital One issued a temporary refund, then several months later I was charged for it, putting me over my credit limit and decreasing my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Bronx, NY

Credit card protection / Debt protection

Credit card:

Complaint: I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-13

Nyc, NY

Delinquent account

Credit card:

Complaint: I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Saint Louis, MO

Transaction issue

Credit card:

Complaint: For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-13

Anaheim, CA

Other

Credit card:

Complaint: Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Dallas, TX

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-12

Occoquan, VA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Atlanta, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Ellison Bay, WI

Other transaction issues

Money transfers: Domestic (US) money transfer

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-12

Katonah, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Tuckasegee, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My vehicle is financed through Capital One Auto Finance. Initially in XXXX 2015 the XXXX payment was due although I did not receive a payment notification on this payment. When I spoke with customer service around the XXXX of XXXX I was advised of the payment and at that time I requested a due date change because the due date did not work for my budget. I was advised this would be changed and when my XXXX payment would then be due. I made my XXXX payment 8 days early or at least I thought I did based on the new payment date I was advised of. Toward the end of XXXX I received another call stating my account was more than 30 days behind and after informing customer service of the information I once again was told everything would be updated and the account would reflect what they had said. I waited for the confirmation but did not receive XXXX. In XXXX customer service contacted me saying the same thing about my account status. I spoke with the agent and she assured me that after the account was so called " current '' the due date would be changed.The amount I had to pay was XXXX because she was waiving the late fees due to the situation. The agent had contacted me after I sent an email in regarding the issues. At this point according to what had been paid and what I had been advised my next payment was due on XXXX XXXX which I did pay. Unfortunately due to reasons beyond my control my account was hit by fraud and XXXX 's payment was not available by the time the check cleared. I advised Capital One of what happened the first of XXXX and advised them as soon as XXXX XXXX credited my account I would make the payment which I attempted to do on XXXX XXXX in the amount of XXXX. I received confirmation of the payment scheduled and then on XXXX XXXX Capital One called and requested a payment which I did understand due to the payment on the XXXX. XXXX stated no payment processed on the XXXX and due to it being 30 days she could work out a catch up plan with me. I was advised my account was XXXX payments behind and according to the changes it is not. I told the agent that I had the XXXX to pay on my account and the payment was scheduled but she insisted on putting me in this " catch up plan '' and I was concerned about my credit being affected. The agent plainly stated to me that this would keep the credit from being affected because it would appear to be current. Finally I agreed on the plan and gave her a XXXX payment. I called into Capital One after receiving the notice because it stated the status would be turned into the credit bureau totally opposite from what I was told. She stated to me that once the plan was complete the negative marks would show current. I heavily stressed the negative being off and she assured me if the plan was carried out the late payments would be removed. Once again I was lied to after getting another letter and speaking with a customer service agent. The late payments would not be removed and would remain as late pays on my credit is how the plan works. I am upset at my the initial lie where I was granted a date change and thought my payments were being paid correctly but were late from the beginning but even more so the " catch up plan '' they claimed to not affect anything has impacted my credit severely when I was paying a payment and then another XXXX 4 days later but was advised no that with the plan I only needed to pay XXXX and not XXXX on Tues and XXXX on Fri. Had I not been informed correctly with the deceptive lies my credit would not show late payments and a balance due of XXXX payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-11

Hamilton Grange, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-11

Sm, KS

Fraud or scam

Prepaid card: General purpose card

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-11

Oakwood, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-10

Tampa, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-10

Mount Holly, OH

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Hastings, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Willingboro, NJ

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2015-10-09

Carmel, IN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response