CAPITAL ONE FINANCIAL CORPORATION

2015-09-21

Jamaica, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-21

Lena, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-20

Windsor Castle, PA

Bankruptcy

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-20

Hollis Center, ME

Delinquent account

Credit card:

Complaint: Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-20

San Bernardino, CA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-19

Bel Alton, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Bethesda, MD

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Napoleon, ND

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost XXXX worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never reported to Capital One and he went to my Boss and told him about the repo after the I got the car back and retaliated against because I complained about him damaging my car. I sent capital one the text and they tried to cover for him saying they do that to find the car, but the I told them it was after the fact and I never reported that job to you or on my credit report and that was violation of privacy laws and you ca n't do that with my personal information. They want me to pay this man for the repo is the crazes thing I ever heard and they will not waive it and I have n't had a car since XXXX and been paying people for rides and a rental car.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-19

Youngstown, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-09-19

Alexandria, VA

Other

Credit card:

Complaint: I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Tampa, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-18

Clermont, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Echelon, NJ

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Grover Beach, CA

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Houston, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Newnan, GA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Van Nuys, CA

Late fee

Credit card:

Complaint: My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

NC

Payoff process

Credit card:

Complaint: I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

CT

Closing/Cancelling account

Credit card:

Complaint: I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-18

Escondido, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-17

E Atlantc Bch, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Farmville, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Hardwick, VT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response