CAPITAL ONE FINANCIAL CORPORATION

2015-08-04

Houston, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-04

Winston Salem, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Dulac, LA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Carrollton, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

TX

Payoff process

Credit card:

Complaint: I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Wallington, NJ

Advertising and marketing

Credit card:

Complaint: In XXXX, I was mailed a credit card offer by Capital One stating that payment would not have to be made until XX/XX/XXXX. I applied and received the credit card. I called in XX/XX/XXXX to find out the exact date of when the credit card payment would be due before the 0 % interest expired. I was told by a customer service representative that I had until XX/XX/XXXX to make the payment. I called again on XX/XX/XXXX and was told that the 0 % interest off would expire on XX/XX/XXXX and that there was nothing they could do about the misinformation that I received. Now if the payment is n't made in full, I will be subjected to 22.9 % interest. I feel like this was a scam and I would have never signed up for this offer had I known this was the case.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Brooklyn, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Oxford, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I have won a case against this collector in court, plus they send me a IRS form to file and still this creditor is reporting negative please remove from my report please
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Jamaica, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-04

Los Angeles, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Viewfield, SD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Columbus, OH

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

New Orleans, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Clark, WY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Nyc, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

NC

Account opening, closing, or management

Bank account or service: Savings account

Complaint: My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Manchester, CT

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Bloomington, MN

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

MD

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

OH

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

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 Bank, USA 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 ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 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 ( 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

2015-08-03

New Britain, CT

Transaction issue

Credit card:

Complaint: I initiated a transaction through bill pay and paid Capital One two times. Because of this, I contacted the cc on XXXX and asked that my funds be returned to me. I was told on the initial call that it would take 1-2 business days for the trans to be processed. It is now XXXX and I have spent hours on the phone with this company and my transaction is still not in my account. I was given several time tables throughout the process. According to their files, the transaction to return my funds was completed at XXXX on XXXX/XXXX/15. The bank they are transferring the funds to is XXXX Bank. Historically, all transactions appear on the homepage of my internet banking as pending as soon as they arrive at the bank. I have been on a number of conference calls with Capital One and XXXX Bank to confirm there is no transaction for the refund of {$480.00}. Today I spoke with XXXX ( id # XXXX ) who told me he was the top of the line to speak with on the phone. He was unable to transfer me or give my information to his supervisor to have them contact me. He also told me that my bank needed to contact XXXX which is the XXXX party that processes the ACH, because Capital One has done everything they can do on their end and are now washing their hands of responsibility. They gave me information to FAX an escalation letter for complaint but that it is now XXXX responsibility to make sure that I get the funds transferred into my account. While customer service representatives have attempted to be kind, none of them seem to project any sense of urgency ( with the exception of XXXX, who escalated my refund transaction to be processed in the first place after the maximum number of days XXXX. I have been promised a number of times that I would receive a call back from someone and have not received those calls. Capital One has always been helpful in making sure they are accommodating when it comes to them gettting their funds but now that I need my funds, it is no longer their problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Mc Farland, WI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-02

Omaha, NE

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-02

Liverpool, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.
Company Response: Closed with explanation

Disputed: No Timely Response