CAPITAL ONE FINANCIAL CORPORATION

2015-08-06

Discovery Bay, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Manassas, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Los Angeles, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Atl, GA

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

Homewood, IL

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Dallas, TX

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Westminster, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Plymouth, FL

Billing disputes

Credit card:

Complaint: See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-05

Brooklyn, NY

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Rochester, OH

Other

Credit card:

Complaint: I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-05

CA

Closing/Cancelling account

Credit card:

Complaint: On or about XX/XX/XXXX, I went to make a purchase using my CapitalOne Visa card my purchase was declined. I was shocked and knew that there must 've been some mistake as I had available credit. I 've had this account ending in XXXX since the XX/XX/XXXX and during that time always kept my account current and in good standing. So I immediately called the customer service number on the back of the card and I was informed that my account was restricted and to call another number. Upon calling the number which was given, I was informed that my account was closed do to participation in a legal action that is either past, present or pending and that a letter was sent out about a day or so prior to me calling in. At this point I am consumed with worry and anxiety because I am unaware of any legal action and concerned that my identity had been stolen or maybe someone was trying to sue me and I just have n't received notification. Once I received the letter it stated vaguely " Principal Owner XXXX s ) have past, present or pending legal action. '' No further information was noted as to what this legal action was nor any reference to where the information was obtained from in order for me to investigate the accuracy of the information. I then reached out to the Executive Office which issued the letter to get further information, I was only met with attitude by a male rep and was told to check my credit report for public records which I did while remaining on the call. All three of my credit reports displayed 0 reports on my public records. Then the representative suggested checking with DOJ or FBI or to hire an attorney because they had accurate information. So I saved up some money and retained as counsel The XXXX Law Group. No information was obtained by the law firm during their research and later an Engagement letter along with a signed Authorization Form by me was sent to CapitalOne around XX/XX/XXXX. With help of an attorney CapitalOne still did not provide further information regarding the legal action and it began to seem that only CapitalOne was privy to this legal action. By now I 'm experiencing XXXX daily. I am now out of money for retaining an attorney and still coming up empty handed ; my two additional accounts with CapitalOne which originated with XXXX were closed for the same reason and yet no record could be found. Then I began to think that even if there was something with the DOJ or the FBI that did n't appear on my public record how could anyone know without obtaining a background check which would require my consent and none was given, as well as, why is this company the only institution with access to this information. Last year, I retained the XXXX XXXX Firm hoping to get more information about this legal action being that this firm worked with credit issues and the previous one was criminal, and still none was given. I am now put in an even deeper financial bind after retaining new counsel to try and clear my name with this company based off a vague and ambiguous accusation. In XXXX of this year I consented to a LiveScan ( finger printing ) in order to receive my registration number for the the California XXXX XXXX XXXX XXXX and their investigation pulled up 0 findings in my record. I feel as though I am being discriminated against in that my previous address was in XXXX and I have had to endure unnecessary emotional distress and financial hardship at the hand of CapitalOne.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Wichita, KS

Closing/Cancelling account

Credit card:

Complaint: I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-05

Neotsu, OR

Other

Credit card:

Complaint: I originally had a Orchard Bank Credit Card, it was bought out by Capital One. I made payments through my XXXX Bank bill pay. Once I received notification my acct had been purchased by Capital One, I changed the account number and billing address through my XXXX Bank bill pay. I have paid this account off and closed it in XXXX XXXX. Capital One is claiming they never received a total of XXXX payments starting in XXXX XXXX XXXX XXXX. Despite my efforts of sending the proof of payments with tracer numbers they requested, via fax, email, mail and a XXXX conversation between XXXX Bank, Capital One and myself ; Capital One either claims they never received my proof of payments or the information is n't sufficient. Through all of the conversations I have had with a Capital One representatives, aside from Capital One claiming the never received the proof of payments, or the information they did receive was n't good enough, I have been told either my payments have posted to an " unclaimed payment account '', or my payments have been sent to XXXX Bank, or they were unable to trace my payments because the payments were even dollar amounts. I have spent numerous hours on this matter and always end up with nothing being resolved, it is having an impact on my credit report and purchasing a house. It is clear and simple I have made these XXXX payments, I have printed proof with tracer numbers from XXXX Bank and verbal proof from XXXX Bank that in fact Capital One negotiated all XXXX of these payments. I am not sure what else to do, please help or advise me what I can do. On XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I sent a payment through XXXX Bank bill pay each in different amounts, later to see on my Capital One statement they did not receive the payment. I called Capital One and they credited my acct in the amount of the payment as a courtesy, until I sent proof from my XXXX bank acct the payment had been sent and cleared my XXXX account. Each month Capital One claimed the information I sent as proof was n't good enough, or they did n't receive the proof of payments or they gave me the run around with what might have happened to my payments. For each payment they claimed they did n't receive I sent the exact proof they requested. This remained a revolving unsettled issue, so In XXXX XXXX, I called Capital One to get the payoff amount ( minus the disputed payments I had already paid and sent proof of payment ) I paid the payoff amount that was given to me by the Capital One representative and I closed my account. Just as recently as today ( XXXX/XXXX/XXXX ) I called Capital One to see the status of the most recent information I uploaded and emailed via the link Capital One provided to me. I was told by XXXX XXXX Account Supervisor, in the payment investigations department, that the proof of payment received for the XXXX XXXX, XXXX payment was able to be traced with the information I provided, but the other payments were not able to be traced. This does not make any sense considering the proof of payments I sent contained all the same information as the XXXX XXXX XXXX proof of payment. After she told me this newest information I questioned why the other payments could not be traced, she put me on hold for over 25 minutes and then I was disconnected by fault of Capital One. Please advise me on what to do next to resolve this issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-05

Alexandria, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Titusville, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

San Anselmo, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Dix Hills, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Virginia Bch, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Buffalo, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Fred, VA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Mc Farland, WI

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Augusta, GA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-04

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response