CAPITAL ONE FINANCIAL CORPORATION

2015-09-10

Chicago, IL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

AL

Delinquent account

Credit card:

Complaint: I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Bremen, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Hon, HI

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Ashburn, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Del Sur, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Birmingham, AL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Mem, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX, i sent capital one a payment to my account in order to raise the credit limit on my account. When I called Capital one and asked why my deosit wasnt posted to my account, they stated that it is because it does not say a record of them even receiving a deposit from me. On XX/XX/XXXX, capital one bank, me and my bank, XXXX the phone to verify the deposit. Which come to find out it was cleared on XX/XX/XXXX of XXXX by my bank. So capital one has stolen and took my money and did not post it to my account. So I had to file a compliant
Company Response: Closed

Disputed: No Timely Response

2015-09-09

Brooklyn, NY

Credit determination

Credit card:

Complaint: I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). They are unable to resolve the problems they created for me!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Okc, OK

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: I lost my job on XXXX XXXX. as a result I was 4 months behind on making my payment. I communicated every month with Capital One each step. I found employment and advised them I would make a payment on XXXX XXXX, due to I get paid once a month on the XXXX of each month. I later advised I would call the following Monday and verify my true pay date, because the XXXX fell on a weekend. I called and confirmed I would pay on the XXXX. It was also during this call that I was advised that I my next XXXX payments would be the amount XXXX plus XXXX half of XXXX payment to keep my account current. XXXX a total of XXXX. I believed everything was in order. However this is when the issues first started. After I made the arrangement to pay the double payment. I started getting excessive calls from the company. I would thank them and repeat to them to please look at the notes on the account. each time, the phone collectors would agree they see the notes. Yet this inconsistency started. XXXX agent told me that I would have to agree to allow them to set up a payment arrangement on the account. I said no problem. However, they also informed me at that time, I had to make the payment within a XXXX day window due to their system would n't allow me to make a payment arrangement. Again, no problem. I informed them I would call back on XXXX XXXX or XXXX to make the agreement. Yet. I still continued to get calls. asking if I was prepared to make the payment. No one seemed to be aware of the payment arrangement unless I brought it up. Finally, I received XXXX call from an agent who was very rude. He informed me that I had to secure the payment ( basically I had to give them my payment information over the phone and they would debit the account on the XXXX of XXXX XXXX. He stated that my account would be going into foreclosure. And if I went into foreclosure the department may request all the money due at XXXX time. I explained to him, I was doing as I was told and waiting for the XXXX of the month to call and make the arrangement. However, I did n't want my account to go into foreclosure so I agreed and allowed him to take the secure payment over the phone. Since that time, I have been told that my agreement to pay XXXX was not valid, I was not XXXX months behind. I was four months and would need to pay XXXX for the next four months to be current. I again, agreed to the XXXX. Only to continue with calls reminding me of the balance I owe on the account. And that no agreement is on the account unless I can secure a payment. So here we go again. Today, I spoke with an agent who told me I owe XXXX ( this is only two months behind. Confused, so why am I having to pay XXXX for the next four months if I 'm only two months behind? This is very stressful, the inconsistency is not ideal for any business practice. If the agents do not know the correct process, why should I the consumer have to be frustrated during the process! I have spoke to countless agents on the account, some seemed to be understanding while others are trying to pressure me into securing a payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Church Point, LA

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: This bank is terrible. They like to make bad judgements on their customers. They closed my account without my knowledge while checks were outstanding and did n't give me a chance to make it good.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Harrisburg, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been attempting to navigate the short sale process for 18 months on a property located at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. During this time, a cash settlement was offered and approved by Capitol One in XXXX of 2014. After approval, it was discovered that there were XXXX outstanding liens on the property. Upon the advice on my attorney, I filed Chapter XXXX Bankruptcy and as a result, the short sale process was re-initiated in XXXX of 2014. Since that time, I have had to be in contact with XXXX different individuals who continue to ask over and over for identical information, thus continually staling the process for a duration of 9 months. Most recently, I have received notice that a fore-closure procedure has been instituted, even though a cash buyer has and remains committed to the purchase and was previously approved.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Laurence, KS

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Simi Valley, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Clermont, FL

Transaction issue

Credit card:

Complaint: During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Gaithersburg, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Palm Coast, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

CT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Arsenal, PA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: A Virginia based bank, Capital One 360 has run and continue to run a promotion offering a various bonuses for opening a Savings account. Today my husband and I called the bank to take advantage of its " CHALLANGE EVERYTHING YOU 'D EXPECT IN A SAVINGS ACCOUNT '' promotion. Imagine our astonishment and disappointment to find out that we do not qualify for the promotion because my husband and I had XXXX Savings accounts from a different financial institution some 14 years ago. The Capital One 360 phone representative seems to have an unfettered access to the financial data which we never consented to provide to the bank. From what I understood, financial information about consumers has been acquired through a chain of corporate merges, acquisitions or buyouts or other kind of commercial deals without consumers knowledge of consent. Our personal financial information and financial information of other consumers has been bought and sold on open market. I do n't believe it is acceptable in light of the latest security breaches in banking sector. There should be a consumer protection both on federal and state side, so banking public would know who has their information and how this information is shared or used as a commodity. We should not be detrimented because our personal information has been shared without our consent. When a consumer closes account with a financial institution and ceases relationship with that financial institution, that financial institution should be precluded from selling or otherwise trading for profit financial information about the customer with whom it has no longer has such financial relationship.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Manhattan, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Vicksburg, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-08

Bellevue, WA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response