CAPITAL ONE FINANCIAL CORPORATION

2015-08-12

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

College Point, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Palos Park, IL

Credit card protection / Debt protection

Credit card:

Complaint: The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Rochester, OH

Billing statement

Credit card:

Complaint: On repeated attempts I have submitted to Capital One Bank to remove late notices on all XXXX of my credit reports for the time period of XXXX XXXX to XXXX XXXX as my payments were made to a credit counceling company who paid Capital One directly. Prior to XXXX XXXX and after XXXX XXXX payments to Capital One have been in good standing. I have spoke to different representatives of Capital One who have informed me they would remove these marks. I have held the card since XXXX XXXX and have not used the account for multiple years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

East Orange, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Washington, DC

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XX/XX/XXXX I took a loan from Capital One ; Never missed a payment. Then XX/XX/XXXX I was at a complete stop at a traffic light when a driver came slamming in the back of the car cause a total loss. Capitol One was contacted and was paid in full by the insurance company by approximately 2 months later. The XXXX miss payment that is reflecting on my credit report is incorrect. Please assist in disputing these XXXX miss payment. I have been an exceptional customer for the 2 years. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Rochester, OH

Transaction issue

Credit card:

Complaint: Submitted to Kohls Department store a request to remove XX/XX/XXXX and XX/XX/2014 30-day notices on all three credit reports as they were placed in error. I did a follow up call and spoke to a XXXX-Supervisor who agreed that I Kohls received three payments from me in the same month and probably did not apply them correctly ( one for XX/XX/XXXX, another for XX/XX/XXXX and a third for XX/XX/XXXX ). I believe this was human error as I made the payments for each month. Additionally, I am requesting a credit on my account for two late payments as they were made and payments were inappropriately applied.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Black Horse, OH

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-11

Baton Rouge, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Boston, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

New York, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-11

Lake San Marcos, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Boston, MA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Bronx, NY

Delinquent account

Credit card:

Complaint: Despite my credit card provider 's numerous efforts to remove an erroneous late payment report, XXXX has yet to address the issue in two years. I 'm in possession of XXXX evidential correspondences requesting the correction to my account. XXXX XXXX promptly corrected their records on the initial request, yet XXXX subsequent resubmissions to XXXX has yet yielded any changes. Hopefully, this is n't common practice. I have definitely lost all confidence in XXXX measured against XXXX!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Garrett Park, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had a personel account with Capital One Bank and An XXXX Corporate Account with the same bank. the bank manager closed my account and removed all funds from my personal account and deposited the funds into my corporate account without any permission and without advising me of the transaction. when I went to the branch they stated that there was two cashiers check mailed to me, which I never received they failed to tell me that they deposited my personal funds into the corporate account. its been now 30 days since that happened and the accounts are still open. I never authorized any of the transactions.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Logan, UT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Portland, OR

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Gardena, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Lewisville, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I chose no overdraft on my account for a reason when I opened my account but Capital One allowed 2 transactions to go through my account and be paid that were over XXXX a piece on the same day when there was on XXXX dollars in my account instead of sending the payments back so that caused my account to be overdrawn and then on top of that Capital One charged me over XXXX NSF charges when they should not have paid those two checks. My issue is that the bank knowingly allowed these payments because the company who submitted the XXXX checks initially submitted a little over XXXX to the bank and they sent that back then the company split the payments into three checks and the bank accepted XXXX of them when there was not enough money to cover either of them at the time. So, I could n't bring my account current at that time due to other transactions coming out of my account so I paid it off slowly via my direct deposits from work and since it went over 30 days they charged off the account but did not close it because my direct deposits were still going to that account so I finally reached the payoff/charged off amount on XXXX and I am waiting on them to release my account back to full servicing but in the meanwhile, I wanted to send this complaint because had they not accepted those XXXX checks on the same day I would not have been charges so many fees and gone through this ordeal. If there is n't enough money in my account things should not be paid regardless of any other factors because that is for me to straighten out not for my bank to make that decision and then capitalize on it with all those fees. I believe Capital One did this on purpose because the XXXX check that the company submitted on the same day for around XXXX was sent back, all of them should have been sent back period due to the balance in the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

San Gabriel, CA

Other fee

Credit card:

Complaint: I have a Capital One Credit Card with a limit of {$300.00}. After I lost my job in 2009 it became seriously delinquent. I continued to pay when I could and on a couple of occasions, they made an offer that if I paid the over-limit, they would consider the card current. At some point in time, and continuing after the balance was under the credit limit, they restricted the account. I called and was told that even when the account was paid off, they would not lift the restriction. I made the final payment on XXXX and on XXXX they charged a {$3.00} monthly fee with a XXXX minimum interest. I called and was again told that they would not lift the restriction and that I could keep paying the fee, or close the card. I told them that I felt like I was being blackmailed ( extorted would have been a better word ) because if I close the card it will have a negative impact on my credit rating but I am not willing to pay a " membership '' fee, and interest on said fee, if there was no value in it for me, such as a {$300.00} credit limit. Further, I was recently approved for a secured card with Capital One so I made the suggestion that they secure this one and keep it open. They " looked into it '' while I remained on hold and came back and told me there was nothing they could do about it. It sounds like it would have to be illegal for them to charge a fee and not provide a service, i.e. a credit line. They said they would not close the account but I was not allowed to use it. I find this absurd. My XXXX choices, after a long period of trying to recover my credit score, are a ) close the account myself and jeopardize my credit, or b ) pay {$3.00} per month for NOTHING!!!!! Please help. Also, under the " Have you lost money '' section below, I will either lose the ridiculous non-membership ( extortion ) fee each month, or lose A LOT of money by paying higher interest on the car I will be buying in about 6 months.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Brockton, MA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response