CAPITAL ONE FINANCIAL CORPORATION

2015-08-01

Tampa, FL

Delinquent account

Credit card:

Complaint: Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-01

Patterson, MD

APR or interest rate

Credit card:

Complaint: To Whom It May Concern, Good morning. Please, I am seeking help with inquiring into a balance that has become outstanding with the company Capital One. I opened this account 14 years ago in XX/XX/XXXX. It was my very first account to begin a credit history and this during my enrollment into college. I have diligently paid on this account and never in any lien for 14 years. I have already paid off the student loans years ago because their interest practices were subsequently fair. I have opened other accounts over the years ( car insurance, other emergency credit cards, etc. ) All United States companies. Every other interest-based company I 've ever dealt with in United States has, following my establishing a good payment standing, automatically lowered my variable-interest rates ( not my credit limit ) or continued seeking ways to offer me waived potential fees ( such as removing inflated operating fees ), to reward my good payment history, help pay principal and keep me as a customer. They would seemingly also do these so their federal and consumer-protection practices remained compliant. During all these events, I have never once for 14 years, been offered any reductions or adjustments or anything offered from Capital One. I understand it was my first card years ago. But, the APR is not fixed. Interest raised the principal to the point where I could not easily transfer the balance years ago. I then tried to stop the card. The majority of my current balance with them is purely, once again, interest. I have not encountered this with other non-fixed APR-based companies. Over {$1000.00} from multiple interest and other fees accumulates every 11 months for years now. Although, I had never made lengthy late payments to warrant it and maintained a XXXX FICO score all years leading to this. Please see then also attachment. The balance reflects not the small total purchases made with this card annually, but reflects totals largely derived from interest. The only reprieve came when current federal administration stimulus plan lowered and capped rates on existing accounts following the banking, automotive and housing bailouts of recent years. But, it was short-term. The administration 's regulations on banking expired ( seemed not more than 6-9months ) and the interest rate resumed. So, please I would request assistance because I do not know how to address the matter. Thank you. Please, I would like to inquire for any help checking into the matter, especially ( but not limited to ) of certain interest policies with the company Capital One. Thank you so much for any help you can provide. Best Regards, -Name omitted as per request of CFPB-P.S. The account is outstanding. Otherwise, I have XXXX liens or outstanding debts. The college loans paid off in-full all-closed. I financed then also a home since XX/XX/XXXX with XXXX XXXX 30 yr fixed-3.75 %. I have XXXX unpaid property tax, XXXX other unpaid home utilities, zero unpaid federal & state income taxes, zero arrests, zero unpaid parking tickets, etc. But, I have, once again, paid capital one interest ongoing 14 years. I have n't, in other words, had ongoing issue in all my personal and credit life with any but this ONE card. Please freely review my credit background to verify this information I 've given. Thank you, once more, so much for any help you can provide.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-01

Wallington, NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Washington Green, CT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Brooklyn, NY

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

2015-07-31

Burlingame, CA

Balance transfer fee

Credit card:

Complaint: I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-31

Colts Neck, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-31

Austin, TX

Billing disputes

Credit card:

Complaint: I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Gloucester City, NJ

Other

Credit card:

Complaint: I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Charlotte Ama, VI

Credit determination

Credit card:

Complaint: After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Norwalk, CT

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Lakeview, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Memphis, TN

Credit line increase/decrease

Credit card:

Complaint: I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

San Diego, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Bellingham, WA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Scotch Plains, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-30

San Diego, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Royal, TN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Cooper, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Burkburnett, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Clayton, MO

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Chicago, IL

Credit line increase/decrease

Credit card:

Complaint: I called into Capital One 's executive office to request a reconsideration of my credit line increase request placed online on XXXX/XXXX/15. I was informed by XXXX from there execuitive resolutions team that a new manual credit line increase application could be submitted and that they would do a soft pull on my credit. I agreed and I requested a credit line increase to {$25000.00}. A few days went by and I noticed that my credit line was increase by {$1500.00} to {$12000.00}. I called back in and the pin code that XXXX had given me to get to the executive resolutions team no longer worked. I spoke to a few associates who got me over to XXXX who was the senior account supervisor/senior customer advocate for capital one. When I asked to be connected back to the executive resolutions team she informed me that it was n't an appropriate call to go to there office. I asked her if she could have a letter sent out to me like in the past that explains why my credit line was not increased to the requested amount. She put me on hold for quite a long time and came back and said that the executive resolution team does not provide that information. I explained that in the past that I received that from them. She called back again and was told that reasons are only provided when a customer chooses not to accept a partial credit line increase. So I asked to be transferred again to that department so that I could re-apply for an additional manual credit line increase request and this time I would inform them that I would not accept a partial credit line increase so that I could get a letter that tells me why I did not qualify. 6 months ago when I have placed this request I was able to get a letter and the letter said I did not qualify because I did not have similar credit lines with other lenders. Now that I have had similar credit lines with other creditors I was n't to see why they will not approve me for the requested credit amount. XXXX reiterated that I did not qualify at this time as the credit line increase was only approved for a partial amount and stated that it was " the highest I qualified for ''. I indicated that the Equal credit opportunity act requires that my application be taken. She indicated that she could get me over to the automated system to fill out the request. I told her that I already did that on XXXX and the system will not approve any requests for a credit line increase if you have had a change in credit line in the past 6 months which was confirmed with there executive resolutions team. That it was a violation of my rights to not transfer me to the team to apply for the manual credit line increase was discouraging and refusing to take my application for credit. If they allow one customer to go through this process they must let all customers go through the process every time they request it. When I asked her if she was refusing to let me speak with someone who could place the request she reiterated she did not believe that it was appropriate for her to transfer me to the executive resolutions team. This is a clear violation of fair lending laws.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

MO

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-30

CO

Other

Credit card:

Complaint: My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.
Company Response: Closed with explanation

Disputed: No Timely Response