CAPITAL ONE FINANCIAL CORPORATION

2015-09-01

Irondequoit, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Marina, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Cooper City, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-01

Jamesburg, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

La Fayette, GA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

San Francisco, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: They closed my account after I sent a payment and thought I had the funds. They honored the payment before they honored the deposit I made to cover the deposit. When they closed it they said I must put in the amount to cover the overdraft line of credit and I did that. After that I accidentally put an extra {$300.00} in the account. I 've asked them XXXX time to return the funds and they have n't. They keep claiming that they are going to review the account tomorrow and then return my funds. They have said this twice now.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Hixson, TN

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-01

Cheverly, MD

Money was not available when promised

Money transfers: Domestic (US) money transfer

Complaint: On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Lewisville, TX

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

ID

Advertising and marketing

Credit card:

Complaint: I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Jupiter, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone unbeknownst to me submitted an application for a Capital One card. Evidently it was sent out, although it was not received by me, and someone used it. I reported the fraud as soon as I received information that the card was issued and in use and told them to cancel the card immediately. Unfortunately they did not, claiming that someone called afterwards claiming to be me and they kept the card open, permitting someone to charge an additional {$700.00}, and after a XXXX call, the card was closed. However, Capital One decided that I am responsible even though I repeatedly told them that I did not request, receive or use the card. Calls were not returned, dunning calls are constant, and they keep sending statements. I contacted an attorney who sent a letter, and they completely ignored it, admitting that they have no application proving I requested the card, yet keep insisting that I pay the balance that keeps increasing each month. I have placed a complaint with the FTC as well, but they said that they do n't do anything for me. My phone number has been spoofed and seems to be used for robocalls as well as trying to get credit cards ( Capital One states that they know that the calls came from our home phone even though they ca n't send me proof, and even if they had it what would it prove since I have put in complaints to XXXX? ). XXXX had called prior to Capital One asking if I had requested a card or was it fraud - not sure why, but I told them that I did not ask for nor did I want a XXXX XXXX, and none was issued. Please understand that I have XXXX and ask my wife to take care of all matters pertaining to this. I do not go shopping and can no longer XXXX. I have enough health issues without this being added on top of everything else.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Flint, MI

APR or interest rate

Credit card:

Complaint: My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Fountainville, PA

Other

Credit card:

Complaint: Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. This could be a landmark case for the CFPB
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Fort Stockton, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was living with a friend and he went through my personal belongings and I found pictures of my ID, social security card, and my credit report on his computer. I checked my credit report and their was a credit card maxed out. my bank accounts have suddenly been closed due to fraud investigations. the banks tell me it is my fault for leaving my purse out in my own home where I thought it 'd be safe, but apparently it was giving him permission to go through my belongings. my signature has been forged on checks from his account deposited into my accounts and he is saying I did that. I ca n't open a bank account anywhere. I ca n't even get a job.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

PA

Other

Credit card:

Complaint: I recently received a letter stating that I was almost XXXX months behind on payments. I had signed up for online banking with my bank and they were suppose to make the payment on the day I scheduled but that did not happen. I now have 2 late payments on my credit report. I pay all my bills this way so I not sure what the problem is with Capital one.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Manteca, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Sacramento, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-31

Granger, UT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-31

VA

Credit determination

Credit card:

Complaint: On XXXX XXXX 2015, I applied for a Secure Capital One Credit card with a XXXX dollar spending limit. For some reason, it acted as if I applied for a normal credit card and added a hard inquiry on my credit score which is negatively impacting my total overall credit score. I 'm assuming this is based off my of my current credit score, which is why I applied for a secured credit card in the first place. I would like for this to be removed as soon as possible, as I never applied or signed up for a normal Capital One Credit Card. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Daytona Beach, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Orange, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-31

San Jacinto, CA

Billing disputes

Credit card:

Complaint: RE : CAPITAL ONE RETAIL STORES ( XXXX ) - ERRONEOUS LATE CHARGES ON MY CREDIT CARD EVERY MONTHCAPITAL ONE RETAIL STORES ( XXXX ), XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX, ACCQUIRED XXXX CREDIT CARD WHO WAS FORMERLY OWNED BY XXXX BANK. CAPITAL ONE RETAIL SERVICES HAS CONTINUED TO CHARGE ME LATE CHARGES EVEN THOUGH I WAS N'T LATE. EACH TIME I RECEIVED THE LATE CHARGES, I WOULD CALL INTO THE BANK TO HAVE THEM REMOVED. MY PAYMENT IS ALWAYS MADE BEFORE THE PAY DUE DATE OF THE XXXX OF EACH MONTH. IN XXXX I RECEIVED A LATE PAYMENT FOR XXXX, I CALLED CAPITAL ONE TO LET THEM KNOW THEY HAVE MADE A MISTAKE AND THAT THEY RECEIVED MY PAYMENT AT THE BEGINNING OF XXXX AND THEY CHAGED ME LATE ON THE XXXX. THEY SAY THAT THEY CORRECTGED IT, ON MY STATEMENT THAT I JUST GOT IT APPEARED TO BE CORRECTED AFTER THE FACT AND NOW THAT THEY PAYMENT IS DUE FOR XXXX THEY WANT ME TO PAY {$110.00} WHEN THE PAYMENT IS NORMALLY AROUND {$78.00}. I LOOK AT MY STATEMENT AND IT SHOWS THAT THEY RECEIVED MY PAYMENT FOR XXXX ON XXXX/XXXX/15 AND THEY STILL CHARGED ME A LATE PAYMENT ON XXXX XXXX, 2015 AS IF I HAD NOT PAID. THIS HAS CONTINUED TO OCCUR SINCE THEY HAVE ACQUIRED THE ACCOUNT FROM XXXX BANK - XXXX. PLEASE MAKE THEM CORRECT THEIR RECORDS AND STOP CHARNING ME LATE FEES, THIS IS DAMAGING TO MY PAY HISTORY WITH THE BANK. THE CAPITAL ONE CORPORATION HAS XXXX COMPLAINTS FILED AGAINST THEM AND XXXX OF THOSE COMPLAINTS ARE BILLING/COLLECTION ISSUES
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Charles City, IA

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-08-31

IA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.
Company Response: Closed with explanation

Disputed: Yes Timely Response