CAPITAL ONE FINANCIAL CORPORATION

2015-06-09

Brookline, 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

2015-06-09

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

MA

Delinquent account

Credit card:

Complaint: Hello, I had a credit card with Union Plus. Union Plus was purchased by Capital One. I missed a few payments because I was out on maternity leave and never really got caught up. I tried to get on a payment plan but there was not XXXX available for my financial situation. My account was charged-off by Capital One but they did not ever put my account in their Collection Department or Recoveries Department and both exist. I believe put my account their because it was not an original debt with Capital One.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-09

Wonder Lake, IL

Other

Credit card:

Complaint: I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-09

Billerica, MA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

MS

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Bronx, NY

Closing/Cancelling account

Credit card:

Complaint: Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Queens, NY

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Bellaire, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: These guys from XXXX XXXX keep calling me and telling me that there is a legal action for Theft of Business services and it s a felony and Im going to Jail.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Lewisville, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Warrenton, VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Natrona Hts, PA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

Clarkesville, GA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Grants Pass, OR

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Mount Olive, OH

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Flushing, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Birmingham, AL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Havana, FL

Billing statement

Credit card:

Complaint: My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

Naples, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

VT

Other fee

Credit card:

Complaint: I was charged a {$500.00} unsubstantiated fee. I am a widowed, XXXX veteran, mother of XXXX with XXXX child under XXXX still living at home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Palisades Park, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Philadelphia, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

MN

Billing disputes

Credit card:

Complaint: I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Fayetteville, NC

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response