CAPITAL ONE FINANCIAL CORPORATION

2015-07-20

Lynn, MA

Billing disputes

Credit card:

Complaint: Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Discovery Bay, CA

Account terms and changes

Consumer Loan: Personal line of credit

Complaint: I closed the account XX/XX/XXXX.why is still showing on my credit report.I want to remove from the credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-20

Austin, TX

Payoff process

Credit card:

Complaint: I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Newark, DE

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Wallington, NJ

Credit determination

Credit card:

Complaint: I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Discovery Bay, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: There is a Capital One credit card ( with XXXX missed payments ) listed on my report that I never opened or used.
Company Response: Closed

Disputed: No Timely Response

2015-07-19

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-19

Murray, UT

Customer service / Customer relations

Credit card:

Complaint: XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-19

Finksburg, MD

Billing disputes

Credit card:

Complaint: My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-19

OK

Transaction issue

Credit card:

Complaint: ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-18

MN

Delinquent account

Credit card:

Complaint: I have a delinquent account with Capital One Bank ending in : XXXX with an outstanding balance of {$1000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-18

Chicago, IL

Billing disputes

Credit card:

Complaint: This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. I think it 's a part of fraud from long ago. However XXXX reports it as mine & it 's incorrect. Can you help me? XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-18

Colonial Park, NY

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: Himy name is XXXX XXXX XXXXI have a problem some one used my information to order phone 's and to get credit card online form the bank 's ... I have XXXX opened accountsI do n't no who opened ..please can you help meI have a prove for the stautoin the prove issince XXXX/XXXX/2012 until nowI 'm not in America. I XXXX out since 2012. Please I need help
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-17

Longmont, CO

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-17

Leesburg, FL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-17

Belle Haven, VA

Delinquent account

Credit card:

Complaint: I live in the state of VA and was unexpectedly hit with personal property taxes and only had 3 weeks to pay by the time I received the notice by mail. I was not prepared for this as I have not lived here in over 10 years. In order to resolve that issue some bills where not paid on time .. which would include the credit card for which I have the complaint with. My account is up to date and even though my payment was late it was not 30-60 days past due which is what they reported on my credit which had a very significant impact and I am currently trying to improve my credit in order to be able to buy a home. When I called them to discuss this and requested that they show me a courtesy of removing the delinquency from my credit as my account was paid and is up to date and this was the only instance for which I was late, as I always pay before my due date. I was told that they can not remove the delinquency from my report as they have no way of reversing the report they submit to the credit bureaus. I informed them that I have spoke with the credit bureaus and know that they can electronically respond to my dispute I made with them the previous day and the credit bureau stated once they receive that response it will up date immediately so if I need it removed soon to contact the company directly. So again the agent continues to repeat annoyingly over and over we can not change what we submitted unless we made the error. They proceeded to tell me if I had a dispute I would have to file it with them personally in writing and mail it to their dispute center and wait for them to review and make a decision which will take 30-60 days maybe up to 90 days. I kept explaining that their negative report affected me within a minute of them reporting it and can just as easily reverse it, if they would be willing to extend me that courtesy, however, they would not. I asked for another supervisor as the one I was talking to kept talking over me and saying the same thing over and over, she then placed me on hold for 15 minutes when another woman came on the line I explained the situation yet again. She stated well since you admitted to being a little late there was no error on our part, I said a little late is not 30-60 days delinquent but irregardless I was simply asking for a one time courtesy since I have never had a late payment ever and as a matter of fact they were always paid early. She agreed that this has never happened before on my account but still continued telling me that I would now need to submit my complaint in writing and mail it to them, even after I told her that I filed a dispute with the credit reporting agency and all they need to do is respond. When I mentioned I was filing a complaint with CFPB she then stated now I have to transfer you to the president line and immediately did so, and where I got a voicemail asking me to leave a name and number and a brief description of the issue. I only have 2 weeks before I loose the opportunity to refinance my vehicle from 12.99 % to 1 % and they are the only thing holding that up and the smallest account I have and giving me the biggest issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-17

Savannah, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-17

Norfolk, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-16

Fresno, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Oxford, GA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-16

Simi Valley, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-16

Jamaica, NY

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

White Hall, PA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Jupiter, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response