CAPITAL ONE FINANCIAL CORPORATION

2015-09-23

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: VIOLATION OF FDCPA, TCPA AND DODD-FRANK ACT
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-23

Sherman Oaks, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-23

Dunnellon, FL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-23

Warren, MI

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-22

Antlers Park, MN

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Kalamazoo, MI

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: CapitalOne Mortgage assumed our mortgage from XXXX. I have automatic deductions of mortgage payment from checking account. XXXX was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. XXXX late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-22

Medina, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

So Effingham, NH

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Northside, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I took over ownership of an account where I was an authorized user on the grounds that interest would not be added are continue to accrue since balance was accumulated under interest free terms and that late fees would not be added now or in future. Fraud Representative XXXX agreed to these terms. From the first time I received my bill I noticed interest and late fees so I called Capital one and spoke to a supervisor. I explained what The Representative informed me before I signed and agreed to the letter of responsibility. The supervisor removed the late fees and interest and stated he would stop the interest moving forward as agreed. I get my second bill and again interest was charged. I then spoke to XXXX who was a supervisor in XXXX XXXX XXXX Utah who informed me that she would listen to all of my conversations that I had with XXXX and the supervisor who removed the late fees and interest the XXXX time. She stated she would call back in 24-48 hours. I called capital one 168 hours later because I had not heard from XXXX and the representative I spoke to agreed to remove the interest and stop the interest moving forward. Then today XXXX/XXXX/15 XXXX calls me to say she listened to XXXX call. Which was the last call XXXX made to me about not receiving the letter of responsibility. She did not listen to the call where I agreed to take over the account with there being no interest or late fees applied. She did not pull the call between me and the supervisor I spoke to that removed the late fees and interest. She rudely informed me she would not be honoring what the representative from XXXX/XXXX/2015 provided and would not be honoring what the supervisor informed me nor would she honor the original agreement with XXXX XXXX which she adamantly refused to pull that call ). With these original agreements not being honored this account has been set up frequently in my name. I asked to speak to XXXX 's supervisor and I asked XXXX to honor what she said she would do by listening to all of the calls and she again refused. She stated her supervisor XXXX does not take calls nor does she make calls. Since original agreement is not being honored this nulls my letter of responsibility.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Blyn, WA

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

2015-09-22

IL

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Hello, I am hoping you can help me, please. XX/XX/XXXX when I was XXXX, I got my first Credit Card through Capital One. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over 2k and we tried to settle for a little over 1k paid in full, but they declined. Since XX/XX/XXXX, I did not have any kind of stable employment, I was a XXXX and worked on paying off my smaller debts and rebuild my credit. Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by XX/XX/XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. My job is moving to a new location XX/XX/XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Palos Park, IL

Credit determination

Credit card:

Complaint: Capital One Bank placed XXXX inquiries on my credit report however they did not follow the FCRA regarding fraud alerts and did not contact me to verify identity or that I even requested the application.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Flower Mound, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-22

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

E Massapequa, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Hamburg, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Palma Ceia, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-09-21

Crystal Mountain, WA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Halyoke, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Atl, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Newport, TN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Burbank, CA

Other

Credit card:

Complaint: Capital One cancelled debt on a credit card and sent the IRS the XXXX but neglected to forward XXXX to me. My first notice is now from the IRS stating that an amount was not reported on my tax return.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-21

Schaumburg, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response