CAPITAL ONE FINANCIAL CORPORATION

2015-08-17

Shreveport, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-17

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-17

Lakeland, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. No further information was or has been provided to me by Capital One National Association. For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. I have never applied for, nor have I ever had, a credit card with Capital One National Association.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-17

North Hills, NC

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

Dallas, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-17

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-17

Monroe, LA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-17

NC

Balance transfer

Credit card:

Complaint: I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. Naturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-17

Gloucester City, NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-17

Pasadena, CA

Delinquent account

Credit card:

Complaint: Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. An account that was closed and paid in full is still showing up under collections/remarks on my credit report. Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Bawcomville, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Colton, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Lincoln, NE

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Hinsdale, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: capital one credit card is claiming i owe over {$2400.00} on a account i never opened.i looked into identity theft and found out capital one is the one commiting fraud.i asked in writing for the application and transactions for the account.they only sent me a bad copy of an application.that i had filled out for an old account that was discharged in bankruptcy a year before this account was supposedly opened in 2011.i can tell because the house hold income is to low at {$47.00}. i checked my tax return, is should be XXXX.why would i lower my income if i was trying to get a card? and i would n't of gotten such a high credit line one year after claiming bankruptcy.my wife accidently made a {$90.00} payment while i was out of town thinking i forgot to make a payment.that is the only payment i made.and they say that proves its my account.they refuse to send me old applications from the 2 closed accounts to see if they match this one.they have also sent 2 letters from the fraud department claiming the debt is mine.but i noticed they gave 2 different account numbers. **************** and ****************
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-16

TX

Payoff process

Credit card:

Complaint: I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-16

OH

Other

Credit card:

Complaint: As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

PA

Other

Credit card:

Complaint: My niece XXXX had used credit cards and XXXX XXXX calls everyday 3 or more times a day.we have told them she is XXXX and we will work on these when we can, That she will be XXXX for 2 years.but they keep calling.them and kohl 's department store.they both call all the time.I had a payday place call me and tell me that I had taken out a loan XX/XX/XXXX and here it is XX/XX/XXXX and I was upset because I did not take out any loan how could I when I had no job.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

Panther Creek, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

DE

Rewards

Credit card:

Complaint: Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. How can their systems not be linked to verify their direct mail campaign against my account
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

Bywood, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

Hinkley, CA

Closing/Cancelling account

Credit card:

Complaint: I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.
Company Response: Closed with explanation

Disputed: No Timely Response