CAPITAL ONE FINANCIAL CORPORATION

2015-06-18

Costa Mesa, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Salt Lake City, UT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Bangor, ME

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Baton Rouge, LA

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-17

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Baltimore, MD

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

GA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Waterford, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

Dallas, TX

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX, XXXX XXXX XXXX XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

Gastonia, NC

Privacy

Credit card:

Complaint: I recieved a voicemail indicating that my credit card was potentially involved in a large scale compromise. Disturbingly, my brother and parents, who do not appear on my account, were also called. I was told their contact information was obtained via public records. They were not provided account information other than my name, the fact that I had a credit card account with the institution, and the fact that my card was potentially compromised. Everyone I spoke to was very evasive about how and why the determination was made to contact these XXXX parties, not to mention how they obtained the actual contact information for them, my relationship with whom the bank is completely ignorant of. It is entirely possible ( though not the case here ) that XXXX of them could be involved with fraudulent activity using my information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Westerville, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Winchester, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-06-16

Hidden Valley, NV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Brem, WA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Palisades Park, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Tujunga, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Rosenhayn, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Phoenix, AZ

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

San Diego, CA

Late fee

Credit card:

Complaint: This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-16

College Park, NV

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Arco, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Merrick, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-16

Simi Valley, CA

Billing disputes

Credit card:

Complaint: This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Palos Park, IL

Delinquent account

Credit card:

Complaint: Dear sir/madam, as I was going through my credit report on XXXXthen I noticed a negative report on my credit. The negative report was from Capital one Bank, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. First I have never had any Capital one Bank account with THIS ACCOUNT NUMBER XXXX. I Copy this account number from my XXXX credit report. Second, They have to explain which address I was living when I acquired this dept. I am requesting that Capital one Bank or any of it affiliates should remove such negative and false statement from my credit report
Company Response: Closed with explanation

Disputed: Yes Timely Response