CAPITAL ONE FINANCIAL CORPORATION

2015-10-02

Lower Makefield, PA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Cadwell, GA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2015-10-02

Washington, DC

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Flower Mound, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-02

Fertility, PA

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-02

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-02

Arlington, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-02

PA

Advertising and marketing

Credit card:

Complaint: Robo call to my home number XXXX many times daily. The phone number that the call comes from is XXXX. XXXX from Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Edgewood, WA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Rose Hill, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-02

Tacoma, WA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Happy Valley, OR

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-02

Palatine, IL

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-02

MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Lk Buena Vis, FL

Other

Credit card:

Complaint: I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Alta Loma, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Superstition Mtn, AZ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Gallatin, TN

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-01

Spencer, MA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Howard Beach, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Arco, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My vehicle was re-possessed without ANY prior communication. My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-01

San Gabriel, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One has report 30 days late payments on my credit report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Scottsdale, AZ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I hired an attorney to help me validate an allegedly unpaid debt with Capital One. My attorney has sent numerous requests in writing ; as well as confirming receipt of those requests via phone notifying Capital One that I have hired them, and Capital One refuses to release the validation of debt to my attorney. They state that the requests are not valid ; however, I have signed the requests to allow my attorney to speak with them. Please find a chronology attached:XX/XX/XXXX/15 My attorney sent original written authorization and request for validation documentsXX/XX/XXXX15 My attorney spoke to a XXXX who stated that they had n't received the request. My attorney then resent the requestXX/XX/XXXX/15 My attorney spoke to a XXXX who stated that it takes 14 days to process an authorization documents and to allow for them to send docs out. XXXX/XXXX/15 My attorney spoke to a XXXX who stated they had n't received the request again and who gave my attorney the last four digits of my account because the authorization would n't get put with the account unless the full account number was on the authorization and to fax the authorization to XXXX and there is a 14 days to process time. XXXX/XXXX/15 My attorney spoke to a XXXX who stated she could not send the info to us because they had stated it was n't a request for validation it was a notice for negotiation/settlement, my attorney was then transferred to XXXX 's supervisor XXXX XXXX XXXX XXXX. My attorney explained they had been notified numerous times and XXXX refused still to provide information. XXXX/XXXX/15 My attorney faxed another request and signed authorization by me. XXXX/XXXX/15 My attorney spoke to XXXX XXXX XXXX XXXX the call was then transferred to XXXX XXXX XXXX ; XXXX ). After speaking with XXXX she was able to let my attorney know that she put a direct request into their correspondence dept and will have a response to the request no later than Monday. My attorney was told that if she did n't hear back by Monday she could call back to the Capital One XXXX Escalation Department at XXXX. XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting to hear back from the department that releases documentation from her manager ; and would follow-up with my attorney again on XXXX/XXXX/15. XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting for a response and review from her manager would call back on XXXX/XXXX/15. XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that they will not release the validation of debt unless they receive a valid signed release. My attorney explained that they had received both the letter of attorney representation and a signed authorization from me. My attorney asked for re-evaluation and XXXX to call back on XXXX/XXXX/15. XXXX/XXXX/15 My attorney did not receive a call from XXXXXX/XX/XXXX/15 My attorney did not receive a call from XXXX. My attorney called and left message on XXXX 's voicemailXX/XX/XXXX15 My attorney did not receive a call back from XXXX, called again. My attorney spoke to XXXX XXXX XXXX XXXX who reiterated that they will not release the documents. My attorney asked to speak with manager for the department. My attorney was transferred to XXXX XXXX Executive Resolution Department XXXX. My attorney spoke with XXXX and she reviewed the information and was going to put in a request that the documentation be sent in the next two weeks. My attorney asked why it would take two weeks to receive the documents was told that XXXX could not guarantee expeditious receipt of documents but would put it in the notes in the request for documents. My attorney requested a call back from the Manager for XXXX, my attorney should receive a call back in XXXX hours.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

San Gabriel, CA

Billing disputes

Credit card:

Complaint: Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.
Company Response: Closed

Disputed: No Timely Response

2015-10-01

SC

Other

Credit card:

Complaint: I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response