CAPITAL ONE FINANCIAL CORPORATION

2015-07-01

Dallas, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Laurel, NY

Other

Credit card:

Complaint: About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Quartzsite, AZ

Fraud or scam

Prepaid card: General purpose card

Complaint: XXXX purchased a prepaid credit card in XXXX of 2009 for {$300.00} with Orchard bank. The bank increased the credit line to {$750.00} without my requesting the increase. I did not send additional funds to increase the limit. Within a short time the card or bank was sold to Capital One. I no longer need a prepaid credit line as my credit is ok. I called Capital One and wanted to close the account and have my {$300.00} refunded to me. Capital One says that the card came from Orchard bank to them without any secured portion on it. Capital One gave me numbers at Orchard to call but the numbers revert back to Capital One. I can give you my Capital One Credit Card number if it is needed but I am reluctant to do so due to security issues. I do not know what agency that I should contact to get my prepaid amount refunded. Sincerely, ABPPS It is easiest to reach me by text at the above number. Thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Dear CFPB Representative, I want to dispute information on my credit report previously disputed with XXXX, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The XXXX dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts XXXX and XXXX, there are Xs on these accounts as the XXXX last digits of each account is hidden. I previously called a CAPITAL ONE specialist regarding this issue and he informed that there was nothing to worry about, but the accounts were never taken off my credit report and it is extremely affecting my credit report negatively.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Ontario, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Las Vegas, NV

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-30

Bellerose Manor, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Orange, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Bronx, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Rehoboth Bch, DE

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

New York, NY

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Arlington Heights, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-30

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: The payment history is not correct on this credit chard. I have called the cc company, I have emailed them, I have sent them certified mail letters, but the information is still incorrect.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-30

Lynn, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Una, SC

Billing disputes

Credit card:

Complaint: On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Seattle, WA

Billing disputes

Credit card:

Complaint: Complaint against Capital One XXXXXXXX XXXX XXXX XXXX, UT XXXXAccount XXXXCase # XXXXI am writing file a complaint against Capital One XXXX for recharging me for an item that I had bought on XXXX from an individual XXXX XXXX on XXXX. The item was not delivered on time and the item was not what I had ordered. I sent an email to the merchant through XXXX but I got no response. Because of this, I contacted Capital One and disputed the charges of XXXX. I also returned the item by USPS certified mail XXXX XXXX XXXX XXXX XXXX on XXXX. I sent in this information to Capital One on the form they had sent me on XXXX. Unfortunately, Capital One ignored this information and is rebilling my account. I would like Capital One to refund my money as I have returned the item and provided the information they had sent me in the form provided to me. Please see copies of the documents.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Jupiter, FL

Credit determination

Credit card:

Complaint: Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-30

Greenwood, CA

Delinquent account

Credit card:

Complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-30

Rocky Ridge, MD

Closing/Cancelling account

Credit card:

Complaint: I was a faithful customer to Kohls for many years. Several months ago I obtained a credit report and was dismayed at what I discovered. Kohls had me listed as delinquent credit card holder and my account had been closed. I never received any notification from Kohls regarding any problems with my account. I called and was asked to send documentation from my bank indicating I had made all required payments which I did do. In XXXX 2015, I received a letter from Kohls indicating my documentation had been received and my account corrected. The letter indicated it may up to 60 days to correct my credit report. I ran another credit report on XXXX/XXXX/15 and the information is still not corrected. I have not received a refund for overpaying the same bill XXXX times. The refund should be for {$25.00} ; I realize at this point that is not a lot of many, but now it is about the principle.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Buck, PA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Woodstock, GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Channelview, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Great Neck, NY

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

2015-06-29

Columbia, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response