CAPITAL ONE FINANCIAL CORPORATION

2015-07-30

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Bessemer, CO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Wonder Lake, IL

Billing disputes

Credit card:

Complaint: I have a credit card account with Capital One. I recently found out that they reported me 30 days late XXXX to the credit bureaus between XXXX XXXX and XXXX XXXX. I do n't agree that I was ever 30 days late and contacted Capital One on XXXX separate occasions to dispute their claim, beginning on XXXX XXXX, XXXX. I 've requested my account statements as proof of my delinquent payments XXXX separate times now. They have sent me XXXX letters stating the proof was enclosed but there were no statements included with their letter nor any other type of proof. I 've called them repeatedly requesting proof of their claim and they keep telling me I have to submit my request by mail or fax, which I 've done. They have yet to provide me with any documentation that supports their claim which is why I am filing this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Queens, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

MI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-30

Rochester, OH

Transaction issue

Credit card:

Complaint: When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

Mount Pleasant, SC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

Herndon, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Rncho Domingz, CA

Transaction issue

Credit card:

Complaint: I have a credit card from capital one so in XXXX 2014 I made XXXX dollars over payment to my capital one credit card by mistake after one week I recieve e mail from capital one told me in 7 to 10 buisness days I we 'll recieve my money back by check but I never recieve it I call the bank the told me we not gon na send u that money because ur account it 's restricted I do n't know why I said if u want to close my account send me my over payment money the told me u have a credit balance in ur card but we can not send u the money the ask me to send some document and after that the said we can not send the money I went to court to make a small claim the told me to go to this website to make a complain
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-29

Seattle, WA

Billing disputes

Credit card:

Complaint: I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. Please see my bank statement PDFs
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Boise, ID

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Gardner, MA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

SC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Ft Myers, FL

Advertising and marketing

Credit card:

Complaint: Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

Laredo, 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

2015-07-28

Bethlehem, PA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-28

Desoto, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

Cheverly, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Omaha, NE

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Fort Lauderdale, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

San Francisco, CA

Advertising and marketing

Credit card:

Complaint: I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

N Hollywood, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Bossier City, LA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Colo Spgs, CO

Transaction issue

Credit card:

Complaint: My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.
Company Response: Closed with explanation

Disputed: No Timely Response