CAPITAL ONE FINANCIAL CORPORATION

2015-06-23

Quartzsite, AZ

Delinquent account

Credit card:

Complaint: In XXXX of 2015 i contacted XXXX ( XXXX ) XXXX regarding a credit card i try to see if we can settle but they started to engage in unfair and deceptive collection practices and started to violate the Fair Debt Collections Practices Act and Unfair And Deceptive Acts And Practices ( UDAP ). At that point i had terminate the call the debt collector i was trying to settle with wanted me to secure the payment right there on phone and i stated i did n't want to until the day the funds where available and indicated that i did n't have a card and wanted to mail it in. Once the debt collector realized i was n't going to secure the payment right then she stated that settlement was no longer an option and i could n't mail in the settlement then i became no longer eligible for a settlement at that point she started to violate FDCPA and UDAP for unfair business practices. I also told them numerous amount of times to stop calling the telephone they had on a recorded line they kept continuing to call the cell phone number multiple times and multiple times a day, throughout the course of several months. At this point i am filing a complaint and going to explore further options.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Albuquerque, NM

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Wallington, NJ

Delinquent account

Credit card:

Complaint: I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. Thank you, XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-23

Glendale, AZ

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-23

South Florida, FL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-23

Portland, OR

Billing statement

Credit card:

Complaint: 1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. Thank you. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Queens, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Addisleigh Park, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-06-22

West Newfield, ME

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

South Florida, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

Bronx, NY

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

South Florida, FL

Balance transfer

Credit card:

Complaint: I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Gloucester City, NJ

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Conyers, GA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-22

Great Notch, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Howell, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

Trilby, FL

Customer service / Customer relations

Credit card:

Complaint: Capital One received a {$1500.00} direct expedited electronic payment from me on XXXX/XXXX/2015 and immediately placed a fraud hold on my account, I called in when my newly paid off card was declined. From here a 2 day nightmare began where they forced me to conference call every financial institution I have done business with in the past and currently including banks I have never made payments to C1 from. They threatened me with legal action, accused me of criminal acts and withheld my funds. They forced me to provide them with private account numbers and details that do not in anyway pertain to them or my account. As I had just put such a large amount of money towards that account I felt I had no option but to submit and do what I was told. As soon as I provided them with a piece of information or called a bank lwith them and listened to them tell my financial institutions I am suspected of fraudulent activity they would disconnect the call and I was forced to begin the entire process again while I listened to the other agents laughing in the background. As a result of this pointless investigation I have had to deal with fraud holds and account closings caused by their inquiries. worst of all this is not the first time ... C1 is constantly witholding my funds, contacting my other institutions without my permission and with no logical reason ... Im not even sure how they know I do business with the others. They have closed my account twice without reason and reopened it leaving several duplicate accounts on my credit report dragging my score down to XXXX they dont report my payments, they report late payments that were not late and they have generally tortured me endlessly.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

MI

Billing statement

Credit card:

Complaint: I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Succasunna, NJ

Sale of account

Credit card:

Complaint: Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

Church Point, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of credit card fraud or identity theft. I looked on my credit report and saw a bunch of different credit cards from capitol one and also saw some strange looking items from strange companies and a doctor office. I would like all of these credit cards and charges removed from my credit. please respond as soon as possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-21

Hammond, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-21

Tucson, AZ

Advertising and marketing

Credit card:

Complaint: I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. Sounds easy right? Guess again. XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-20

Brookfield, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-20

Lakeview, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response