CAPITAL ONE FINANCIAL CORPORATION

2015-08-14

Foxridge, MD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Chester, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-14

Denison, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-14

Spring Hill, FL

Billing disputes

Credit card:

Complaint: I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-14

CO

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: They kept adding late charges, my account kept going up instead of down. Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-08-14

Bridgewater, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Palos Park, IL

Delinquent account

Credit card:

Complaint: I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Monroe, LA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-13

Yorba Linda, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Cliff Park, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Anaheim, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: left my personal notebook bag front of porch and it got stolen along with my ID card, my social card, my passports along with my credit cards and debit card and my MAC AIR notebook 2011 seriesalong with my bar tending class flashcards
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Centerville, MN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Staten Island, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I sent two validation letters to XXXX and they ignored my requests for validation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Beyersville, TX

Delinquent account

Credit card:

Complaint: I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I am being asked to pay a vendor directly for an airline ticket I purchased on XXXX XXXX with my Capitol One card, because Capitol One charged back the {$1200.00} cost of the airline ticket. I have already paid Capitol One for the airline ticket when I paid off my XX/XX/XXXX balance in full ( {$2600.00} ) on XXXX XXXX. I have a record of this transaction on my bank statement, but I can not access my credit card statements because my card is under investigation for fraud. The vendor is asking for proof I have paid from Capitol One, but Capitol One will not give me any proof because of the investigation. Capitol One has told me verbally that they will contact the vendor, but I do n't have any confirmation that they will do so. Regarding the Fraud investigation, I have already been on a conference call with Capitol One with my sister XXXX because we believe the source of this issue is that there has been a mix-up with our information. After learning that my card had been closed, XXXX shared with me a letter she received a to her home address in XXXX, XXXX, informing her that she had opened a Capitol One account. XXXX called Capitol One to report that she did not open an account - I opened a Capitol One card in my name with my information, but she received a letter to her address to her name. I live in XXXX, XXXX and did not receive such a letter. Here are the outstanding issue that need an immediate response:1. Paid Statement : Vendors are contacting me via phone and email regarding payment for charges I have already paid to Capitol One, such as a travel agency for the {$1200.00} airline ticket. The charge for this flight was on my XX/XX/XXXX billing statement ( XXXX XXXX ), which again, I paid the balance off in full and shows up on my bank statement. Capitol One needs to pay the vendors with the money I have given them when I paid off my balance in full. 2. Unpaid Statement : I received a paper statement for XXXX XXXX - XXXX XXXX with an outstanding balance of {$1300.00}. I can not access this information online, because my account has been closed. Vendors from this statement period have contacted me about payment. Please confirm XXXX things : a. If I pay this balance, will the vendors on this statement be paid? b. If I can not pay off this statement balance because the account is under investigation, will it be considered a late payment? Will I be charged interest? I have the means and intention to pay off all outstanding balances in full. 3. Confirm that the investigation is underway and a time frame for when it will be resolved. I was told that it would take up to two weeks for an investigator to be assigned to the case, which was opened on XXXX XXXX but it has been more than two weeks, and as of today, XXXX XXXX Capitol One said an investigator has not yet been assigned to the case. How is it that my sister 's contact information is linked with mine? When I called Capitol One today, they said that the number they had on file to reach me at ended in XXXX. That is my sister 's phone number. My phone number ends in XXXX. I am dismayed that the investigation is not yet underway even though it has been more than XXXX weeks since the case was opened.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-13

Greensboro, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Washington, DC

Other

Credit card:

Complaint: I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-13

Tampa, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I submitted an application for auto loan refinance. I have been receiving unsolicited mail and email offers for an auto loan refinance for the past XXXX months from Capitol One. Based on this information I submitted an application. I was denied the loan. When I submitted my application I believed based on being harassed with mail from Capitol One I would be approved. I feel this is false advertising an I was unfairly tricked by Capitol One with so many letters of approval that I would be approved without a problem. The denial of the auto loan was a complete shock. I believe their tacticts are unfair. As a result of the denial of my application my credit score was harmed causing damage to my credit score by placing a hard credit inquiry on my credit file.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Dayton, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Mount Holly, OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Houghs Neck, MA

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Killeen, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Baton Rouge, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response