CAPITAL ONE FINANCIAL CORPORATION

2015-07-27

Winston Salem, NC

Other

Credit card:

Complaint: I HAVE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND THEY SHOULD HAVE BEEN REMOVED
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Apopka, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-26

Asheville, NC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-26

Gloucester City, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Columbia, SC

Other

Credit card:

Complaint: A credit card with Capital One appeared on my credit reports. I have repeatedly disputed the account because the account was created fraudulently. I have sent denial letters and verification letters to Capital One requesting information as it relates to the account. I have asked for copies of statements, copies of applications, and any every bit of supporting document available. Capital One does not send me the information. I have instead been sent several letters that simply say the account was charged off and sold.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-26

Live Oak, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have XXXX carloans with Capital one auto. At the time I obtained the loans i was financially able to pay event though the payments were extreamly high. XXXX loan is {$600.00} and the other is {$730.00}. I signed a form promising that if my situation changed that i was to conatct the lender. I have made many attempts to try and lower my payments becuase the loans payments are now a financial burden. I was told that because i have poor credit i was not able to refinance and had to stay with the loan terms provided. I called and even offered to return both vehicles because i was not able to pay and i was informed that i could not return the vehicels. The remedy i am seeking is for Capital one to work with me and reducing my payments so that i am able to afford to pay them on time and not be behind. I also would like for them to forgive the late payments in order fro us to be able to start fresh. we need these vehicles to be able to go to work and pay our financial obligations but now its become very difficult and causing us to be behind on other financial obilgations.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-26

Federal Way, WA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

Clarksville, TN

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. please escalate to capital one bank office of president. i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-25

Durham, NC

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

VA

APR or interest rate

Credit card:

Complaint: I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

Jupiter, FL

Credit card protection / Debt protection

Credit card:

Complaint: I recently got a call for a debt that is past the limits to be reported collection agency collecting for household bank says I owe but this does n't show on my credit report is there any way my rights are being violated since I have not received any letters from creditor or collection agency since 1999 and it 's been over XXXX years since this debt was removed
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-24

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Eight Mile, AL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

San Jacinto, CA

Privacy

Credit card:

Complaint: XX/XX/2015 I received a letter ( dated XX/XX/2015 ) that my address was changed on my account. I called back and told them that I did not request or submit an address change. When I spoke with Customer Service Rep I was told that it was changed as a result of a United States Postal Service address change done on XX/XX/2015. The Rep changed my address back to the correct address. The Rep advised me to call Fraud Protection tomorrow because they were currently closed. That night I also called the USPS and spoke with someone who informed me that there was no record in their system that my address was changed. If change was done on XX/XX/2015 it would have shown up in their system by now. XX/XX/XXXX Called Fraud dept, spoke with woman and told her that the previous person I spoke with did not verify my password before discussing my account, she made a special notation on account prompting password verification. Password placed on my account on XX/XX/2015, after being made aware that fraudulent activity incurred on XX/XX/2015, and is not being utilized. I called back to notify company that the XXXX had no record of address change and asked again What prompted the address change? No results after that phone call. XX/XX/2015 spoke with XXXX XXXX XXXX from USPS and verified that no address change placed in system. Called Credit Card company back XX/XX/2015 to further try and understand what exactly prompted the address change, so far information was confusing. Was transferred to " XXXX '', after a brief research, I was told that a person in the collections department authorized and address change on my account 15min after previous Fraud Case closed. Question the timing for the case being closed and the phone call being made into company to the same department. Customers usually call Customer Service not Collections. I asked her how a person can call in and change info on my account without verifying my password? Was placed on hold and when she came back she informed me that they " are not required to ask for the password ''. But as of XX/XX/2015 a special notation was placed on my account that stated that the password must be verified. I questions why was n't that put in place when I placed the password on the account in the 1st place back on XXXX? Again the response was that they are not required to ask for password, but they will from now on because of the special notation. No resolution after that phone call. Wanted to speak with Fraud Dept but they were closed. XX/XX/2015 Called again to speak with Faud Dept regarding matter, was told again that address change was from USPS, I had to tell them again that I spoke with XXXX there was no record of address change. Was transferred to Cust Serv Manager who informed me that it was not from USPS, that there was a notation on XX/XX/XXXX at XXXX that someone called in and were unable to verify account password. However the address change time was noted to be XX/XX/2015 at XXXX. Confusing ... What compounds the situation is that the address was changed to a known fraudulent address ( police report made previously ) even though the person calling in was unable to verify the password. Information ( address of customer ) being changed on account even though person calling in was unable to verify password is unacceptable. I spent hours calling in on multiple days speaking with multiple personnel to try and find out what exactly happened and still am not XXXX % certain why address was actually changed. I was not able to get an answer. The closest answer I was able to get was from " XXXX '' in the Fraud Dept stating that in his opinion with his " years of experience '' sounds like human error. UNACCEPTABLE!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Hamburg, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-24

CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Westminster, VT

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

N Monmouth, ME

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Newport, TN

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-23

Belle Haven, VA

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Garland, TX

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-23

Chicago, IL

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

Beyersville, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-23

New York, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response