CAPITAL ONE FINANCIAL CORPORATION

2015-06-29

Baltimore, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Crossings, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

El Toro, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Wichita, KS

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Halyoke, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Ridley Park, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Manor, DE

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Berkeley, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Bellmawr, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Lena, OH

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Chester, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: In XXXX of XXXX I applied for a $ XXXX home equity loan with Capital One ( " Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on XX/XX/XXXX, by the rep., XXXX XXXX, handling my loan application that he needed a Release/Satisfaction of Mortgage from XXXX XXXX. I was surprised because XXXX XXXX ( original mortgage in XX/XX/XXXX and refinanced with them in XX/XX/XXXX ) sold my mortgage to XXXX XXXX XXXX XXXX, who merged then merged XXXX XXXX XXXX XXXX who then merged with XXXX XXXX XXXX. On the same day, I went online to the XXXX County Clerk 's website, my home is located in XXXX County, and was able to pull down, for expediency, an unofficial copy of the Satisfaction of Mortgage from XXXX XXXX XXXX ( " XXXX XXXX '' ). I faxed the document to XXXX. Attached is an official copy of the Satisfaction of Mortgage received XXXX XXXX. XXXX led me to believe that if the document evidenced the transfer, in his exact words " ... will work '' To my deterimnant, I relied on his words and informed my architect to continue working on the plans which resulted in an additional cost to me of {$750.00}. I discovered, on XX/XX/XXXX, while checking Capital 's website and no replies from XXXX or his manager that my loan was denied. There was no reason provided on the site. There was a phone number XXXX provided to call with any questions which I did. I spoke with a rep, # XXXX, he said that the loan had to be completed within a certain amount of days or it will be closed and that a Satisfaction of Mortgage was required. I asked to speak with XXXX 's manager, XXXX, and was told she was in a meeting and would get back to me on the same day. Needless to say, she has never contacted me. To add insult to injury, when I arrived home, I received i the mail from my homeowner 's insurance company that Captial had already designated themselves as the XXXX mortgagee on my policy. I believe that my loan was improperly handled and incorrectly denied. Neither XXXX or his manager appear to be of any assistance in correcting this error. Instead, they choose to ignore a client.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Santa Ana, CA

Billing disputes

Credit card:

Complaint: I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Bloomington, MN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Lithia, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Stkn, CA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

FL

Other

Credit card:

Complaint: I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. Thank you again.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

Washington, DC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application. I did not apply for a Capital One card at any time. (This is why I have credit freezes.) Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX). A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me. However, the call then disconnected. When I call back later, I got only the a message that the "office is closed until XXXX tomorrow." I then went to website for reporting Capital One fraud and called that number. A woman with heavy XXXX accent answered and said they could not investigate without having my SSN. When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation. This seemed fishy to me since there was no way to verify that it was a legitimate site. I disconnected, telling her that I would be reporting the incident to the authorities. On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information. In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX. I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation. Now I have concern about that one as well, though credit freeze should block any action.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-29

Heidelberg, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

IN

Other

Credit card:

Complaint: I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-28

Blackbird, DE

Application processing delay

Credit card:

Complaint: I got a new Kohls Card from CapitalOne. I wanted to add my wife on the Credit Card as an authorized user. The Customer Service representative disparately treated me by asking me to fill additional forms and sign them because my wife had a different last name. She said that if my wife had the same last name she would add it just based on the phone request but just because my wife has a different last name, she wants me to sign a disclosure. Increasingly, spouses in the US are retaining their last name and this is unfair treatment. I have XXXX different credit cards from different companies and none of them asked me for such disclosure except for CapitalOne. I am now waiting for the forms to add my wife to the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. XXXX failed to cease collections and filed suit in small claims court violating Federal Law. The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXXIn the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. XXXX having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX County Florida Small Claims Case XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

Burkburnett, TX

Billing disputes

Credit card:

Complaint: capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

Pikeville, NC

Credit card protection / Debt protection

Credit card:

Complaint: Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-27

Oakley, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-27

Boise, ID

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response