CAPITAL ONE FINANCIAL CORPORATION

2015-06-25

Dallas, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Austin, TX

Other fee

Credit card:

Complaint: On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Cape Coral, FL

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Tarzana, CA

APR or interest rate

Credit card:

Complaint: I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

NC

Transaction issue

Credit card:

Complaint: I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Laramie, WY

Other

Credit card:

Complaint: Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-25

Los Angeles, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-25

E Haven, CT

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Wichita, KS

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

City Ranch, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Phoenix, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Artesia, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Lompoc, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-24

Darnestown, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Lompoc, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

New Bedford, MA

Bankruptcy

Credit card:

Complaint: I filed for chapter XXXX bankruptcy and had all of my debts discharged at the hearing. Capital one creditor did not discharge my debt, they are saying I still have a revolving account open with them for the full balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Delray Beach, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Nyc, NY

Credit card protection / Debt protection

Credit card:

Complaint: breach of contract for failure to inform me of their termination of their business relationship with me. violation of the Federal Fair Debt Collection Act of 1977 for filing false information with the credit reporting agencies
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

AL

Delinquent account

Credit card:

Complaint: I am writing you as a last resort to attempt to settle a debt with your company. Over fifteen years ago I received XXXX preapproved business credit cards XXXX I was under the impression at the time that these cards were business cards and that the business was responsible for paying the accounts. We maintained the accounts for 15 years, even during the lean recession years when our operating credit line was yanked out from under us from BBVACompass. The business was forced to liquidate, but we continued to pay our accounts. In XX/XX/2013, my mother was XXXX and I immediately began to care for my mother XXXX At the same time I was attempting to XXXX prepare XXXX tax returns, manage my home finances and my mother's finances. It was also during this vulnerable time that XXXX employees took advantage of the fact I was frequently out of the office and embezzled XXXX from the company. They were subsequently charged and we are still awaiting trial two years later. I left XXXX the company XXXX when the cards were issued, in XX/XX/2013. Due to the theft, the business was forced to contract and could no longer afford my salary. I have since learned that XXXX did not take care of the debt and I have been sued by an attorney in XXXX Alabama. While I am currently employed XXXX, my salary has been cut severely and my savings depleted as I had to care for my mother until she died in XX/XX/2013 The attorney that Capital One assignment the business account to has sued me personally for the debt of XXXX plus and indicates that it is a means to put pressure on me to pay the debt since the company is no insolvent. Their exact words "if you don't lose your job, pay the bill and avoid the garnishment."
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Chester, NY

Billing statement

Credit card:

Complaint: Capital One appears to not provide on its credit card statements the amount of a transaction in foreign currency for transactions done outside the United States. I would like to know if they are legally required to provide this information as well as the exchange rate used and if not I would like to suggest that the CFPB issue regulations to make this a requirement. I would like this transparency to ensure accurate processing of such transactions. I do n't have a specific complaint about any particular transaction at this time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-24

Baton Rouge, LA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-23

Arlington, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-06-23

Val Verde, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Keystone, WV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response