CAPITAL ONE FINANCIAL CORPORATION

2015-07-22

Potomac, MD

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-22

Pgh, PA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Hudson, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Brunson, SC

Improper contact or sharing of info

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

Contacted me instead of my attorney
Complaint: After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Bronx, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 1. The balance of {$8800.00} is not accurate. 2. The date of last status XXXX is not accurate. 3. The charge off amount of {$10000.00} is not accurate. 4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Dallas, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Wrentham, MA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-21

South Chatham, MA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Edgecliff Village, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Springfield, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Birchwood, WI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Astrodome, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: XXXX continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XXXX and they were listed as a creditor on schedule f of the bankruptcy petition filed XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Greece, NY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Lewisville, TX

Customer service / Customer relations

Credit card:

Complaint: A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone stole our Capitol One credit care #, randomly, and charged {$100.00} to XXXX online dispursement center for a purported watch. It was shipped according to XXXX to an unknown address in XXXX, DE. We live in XXXX XXXX, NV and do not use online shopping or paying of bills with any credit card. This card has only been used XXXX in 3 months. Capitol One is not doing anything but giving us a new card with a temporary credit. Our APR on this card is 17.99 percent per year. That is too much for a 10yr old credit card with low limit.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-21

Houston, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: KOHLS/CAPITAL ONE is refusing to remove old account from my credit report. This is an old debt and has reached its statue of limitations. Account was reported by Kohl 's in XXXX 2008. Kohls state that my account is no longer with them. They sent it through a XXXX party XXXX. I contacted XXXX and they say this debt is too old and they have sent it back to Kohl 's. Kohl 's denies that they have this account and refuses to inform XXXX that this account is outdated ( over 7 years ) and should be removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Blmgtn, IN

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Phila, PA

Late fee

Credit card:

Complaint: I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Snellville, GA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-20

Chantilly, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-20

Bastrop, LA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-20

Foothill Ranch, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

South Florida, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

MA

Other

Credit card:

Complaint: Applied for Capital One Business Green Spark Card Online. Online Advertising for the Card suggests high credit limits to induce business owners to apply. Nothing in the application process suggests credit limits or informs you of prequalified limits and as a result processes application including credit check ( negative for/ on credit score ). Credit gets approved for {$5000.00} which is useless for a business my size ( we look to spend $ XXXX-XXXX using card ). Now, I have a useless card and negative with credit bureaus for applying.
Company Response: Closed with explanation

Disputed: No Timely Response