CAPITAL ONE FINANCIAL CORPORATION

2015-08-10

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

Cypress Gardens, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Bedford, NH

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Lenexa, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Briaroaks, TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Seneca, SC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: This loan is reporting as incorrect on my credit reports - and it is reporting as a ChargeOff when I made advance arrangments and the account was settled for the balance that was owed. ( {$280.00} on XX/XX/2015 ). There was a prior issue with management by the company for this loan and my payments were not applied correctly nor was I receiving any written correspondence after multiple requests for it. I also have not received a paid in full letter from the company after my payment on XX/XX/2015 and I have already called XXXX times and each time promised it would be sent, however it 's never been received. I want this correct or removed altogether from my credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Billerica, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-10

VT

Payoff process

Credit card:

Complaint: I have paid Capitol in full XX/XX/XXXX, the negative information for XXXX XXXX & Capitol are not mine. The XXXX County civil claim may be from XX/XX/XXXX it was settled by court. It was XX/XX/XXXX so it is the only account aware of.If reinstatated. I was never notified.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Monroe, LA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

Wallington, NJ

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Occoquan, VA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
Complaint: this account is fraudulent and needs to be removed after providing a copy of a police report and id theft affidavit that has been notarized there are XXXX accounts that are still showing
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Scottsdale, AZ

Unsolicited issuance of credit card

Credit card:

Complaint: Capital One XXXX has me as " potentially negative '' and account status as " open '' as of today 's credit report viewing of all XXXX credit reporting agencies. I have no idea how this is possible since I had closed that account years ago and never touched it again. So all XXXX are showing wrong information due to XXXX and Cap1. I am widow XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Robertsdale, AL

Late fee

Credit card:

Complaint: I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-09

Henderson, NV

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-09

Grover Beach, CA

Closing/Cancelling account

Credit card:

Complaint: Capital One continues to report inaccurate information on my credit report for account with capital one account XXXX. 1. This is a charged of account from XX/XX/XXXX it should no longer be being reported. 2. I requested you verify the account information several times, and Capital One has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4.Please remove account from my credit report immediately as it past the statue of limitations on which you are able to report. In addition you continue to report inaccurate account information and have failed to provide me with valid account information. Remove account from my credit report or I will seek legal action. Attached is proof that the account has been sold to a collection agency, there should be a {$0.00} on capital one 's file due to the fact account was sold and no longer collectable by Capital one.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-09

Christiana, DE

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-09

Green Bay, WI

Advertising and marketing

Credit card:

Complaint: RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

CO

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Seattle, WA

Billing disputes

Credit card:

Complaint: I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Manassas, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

TX

Billing disputes

Credit card:

Complaint: Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. I contacted company and they could not tell me any information saying account was sold.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Stkn, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Capital One is changing my bank account without my permission. They are changing it so that I no longer receive rewards. I used this bank for everything, and now I have to go through the hassle of moving all my money elsewhere. This is not acceptable. They should not be able to just force you to change. I agreed to this account, not to some other account. They should have to pay me for the time it takes me to move to a new bank because of their horrendous customer service.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Boulder, CO

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
Company Response: Closed with explanation

Disputed: No Timely Response