CAPITAL ONE FINANCIAL CORPORATION

2015-10-08

Addisleigh Park, NY

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Lewisville, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Copiague, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Belleville, IL

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

2015-10-07

Columbus, OH

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Woodbury, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Chapel Hill, NC

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Woodland, CA

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Central City, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Palm City, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Foothill Ranch, CA

Other

Credit card:

Complaint: I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Stevenson, MD

Billing disputes

Credit card:

Complaint: I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Katonah, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Fred, VA

Other

Credit card:

Complaint: I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

PA

Other

Credit card:

Complaint: I supposedly have a credit card from Capitol One that I never applied for, they said I made purchases yet when I asked to see the charges or my signature I was told that I need to send them a photo copy of my driver licence I told them are you crazy cause you will some how add my signature to an application or use it somehow against me. I have heard of many situations where companies do this, I refused to send them a copy so they say it is my card and charges, they said I have spoke to them on several occasions, said it was fraud then they said I said it was my daughter. this is BS, what happened is someone DID use my information but it was well after I moved from the address they originally have that they say I used to apply. I am sick of this XXXX and it has been years and still get no where or it removed from my credit report, they also said I need to call local police and file a complaint, now how can I do that when I dont know who did it! Never once was a payment made or a signature of mine on a purchase. They said they have proof but NEVER showed me anything until I send them my licence well that will never happen. Please see if you can get somewhere with these XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-06

Atascadero, CA

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

2015-10-06

Clinton, NC

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Nyc, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Weldon, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Panorama City, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

East Troy, WI

Billing disputes

Credit card:

Complaint: I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Ridley Park, PA

Billing statement

Credit card:

Complaint: Capital one bank did not report the correct ending balance on my account to the credit reporting agencies
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-06

Key Biscayne, FL

Customer service / Customer relations

Credit card:

Complaint: I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Ellenwood, GA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Mount Pleasant, TN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response