CAPITAL ONE FINANCIAL CORPORATION

2015-08-07

Grandview, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Rockwell, NC

Delinquent account

Credit card:

Complaint: I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Discovery Bay, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I opened a capital one credit account a while back and never used the account. I found out a few months ago that I had a balance on the account. There had been charges that were clearly fraudulent, as well as late charges because I had n't paid the balance since I was unaware of the charges. I called In XXXX 2015 to report the fraud ; they told me the charges would be taken care of. The case number was XXXXI found out this month that the charges were not taken care of and apparently they 've sent the account to collections. I called today and they 've promised again that the charges will be reversed, but I 'm not confident that will happen. My case # today is XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-07

Maxwell Afb, AL

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Ehrhardt, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

MD

Advertising and marketing

Credit card:

Complaint: XX/XX/XXXX, I opened a XXXX with Capital One. This card was marketed as a business card, not a personal one. Billing and payments were handled by the accounting department of my company. I discovered that my company made late payments for the card XX/XX/XXXX, and closed the account. Capital One then began to report the late payments on my personal credit report. I contacted them to ask them to remove this information because I did not have control of the payments directly. They refused to do this. It is my opinion that Capital One misrepresents this card as a business card, when as it turns out, they merely write the name of the business on the card, and do not report credit issues in the name of the business. This is a deceptive and fraudulent practice. I would like Capital One to remove this item from my personal credit report, and properly report it on the credit report of XXXX XXXX XXXX. I also think they should be made to cease the false marketing of this product so that others will not be taken advantage of and have their credit wrongly affected.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Sun City, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Dubberly, LA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Lexington, KY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-06

Baltimore, MD

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Cedar Hill, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Limerick, PA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Chino, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Greenwood, MO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-06

Austin, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Beach Center, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Oldsmar, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Emerald Hills, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-06

Staten Island, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Weston, CT

Credit card protection / Debt protection

Credit card:

Complaint: Hello ; I had a GM credit Card/Visa, XXXX for year with a account secure plan that covered death, that would cover my balance, that you paid each month, you patd so many dollars on each XXXX dollars. A couple of years ago, GM sold that account to Capital one Visa. A week ago, I received a letter from Capital One Visa, stating they were cancelling the accout secure plus plan. I called them and asked, what happen to the XXXX of dollars that myself and others paid in? Why not apply that toward the balance on the account. She stated, that 's not going to happen, they would n't do that. I informed her that while I was talking to her, I was writing a Senator ( XXXX ) regarding whats going on with Capital One, she then said " What I can do for you is, credit you for 1 year of payments, paid for that plan. I said Ok and left it at that. People with Capital One Visa, along with myself have paid in XXXX toward this plan and they should have paid down or off card holders balancs. In what I 've paid in, my balance would have been paid off and I 'd keep the card, thanking them for their service. I 'm retired on a XXXX retirement ( XXXX ) XXXX XXXXTakes affect XXXX/XXXX/2015
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-06

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. I have never had an account with Capital One and I have never applied for credit with Capital One. Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Flint, MI

APR or interest rate

Credit card:

Complaint: I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-06

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

Discovery Bay, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. Someone must be able to furnish me with more info - and someone needs to rectify this account on record.
Company Response: Closed with explanation

Disputed: Yes Timely Response