CAPITAL ONE FINANCIAL CORPORATION

2015-05-28

East Troy, WI

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Beaverdale, IA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Succasunna, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Columbia, SC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: The primary mortgage for my property, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, NY XXXX is currently held by Capital One ( Loan # XXXX ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with XXXX ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, XXXX has told me I have 5-10 days to correct the title, or forfeit the HELOC application.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid with a Check from XXXX XXXX XXXX the amount of {$300.00} to KOHLS, XXXX XXXX. They clear the check from my XXXX XXXX XXXX Acct. After That KOLHS said they never cash the check because it was return. I went to XXXX XXXX XXXX and the fax to KOLHS the the CHECK # XXXX, cashed by them. After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last XXXX Bank statements where it show XXXX, XXXX and XXXX, I did fax to them. After that I still receiving letters from them collecting the XXXX. Please help me to resolve these problem, I feel tire and frustrated, these is a violation of my consumer rights, and can damage my credit reputation. Thanks, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-28

NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Tustin, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

MO

Credit determination

Credit card:

Complaint: I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-28

Clinchco, VA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Bedford Park, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Edgemont, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Blairstown, IA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Peoria, AZ

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Jupiter, FL

Other

Credit card:

Complaint: XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. Alleged amounts owed on these accounts, have been in close proximation, but never exact. XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. I have never been sent collection letters from XXXX or Capital One. I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. Please seek immediate removal of each account if the creditors can not provide said verification.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

KY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to inspection issues was repeated to me on a recorded line. Our inspection took place a few days later and it turned up major issues such as a bad roof on the house and detached garage, high radon levels, old galvanized plumbing, water damage, and possible foundation issues. After a few days of negotiating with the sellers, we walked away from the deal because we were not able to come to a resolution. I called the bank to cancel the loan. I spoke with the loan officer about the need to cancel. He said to email him the inspection report and that everything will be taken care of. He also said that we should call him back when we found another home. I emailed the report as he requested and thought everything would be cleared up. A week later I saw a {$450.00} charge on my credit card by the bank. I called the loan officer back and he said he would escalate the issue to management. I emailed him another copy of the inspection as he requested and waited for the charge to be refunded. However, after 10 days no refund showed up. I called the loan officer back and left a voicemail. After a couple days of no response, I called the bank 's general number and requested to be transferred to a manager. I was finally able to speak to a manager who said he would look into things and would try to get the charge removed. He also stated that he would call me back the next day. However, I did not hear back from him, and still have not heard from him at all 1 week later. I called the loan officer again after not hearing from the manager. I managed to reach the loan officer. He said he thought it was taken care of and was surprised that the charge was n't cleared up. He said he would have his manager call me back within the hour. No one ever called. I emailed my loan officer again today with no response. So I am now filing a complaint to get this issue resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Jacksonville, FL

Billing disputes

Credit card:

Complaint: my husband added me as an authorized user on his account with his capital one credit card. M husband lost his job and stopped paying on the card and it went to collections. I recently went to apply for a small loan and was told that it was showing on my credit report that I was delinquent on my payments with capital one. I 'm only an authorized user. My husband called capital one and they confirmed this and stated that I needed to contact the credit bureau. I want to get my credit fixed and this off my credit reports ASAP.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Tucson, AZ

Closing/Cancelling account

Credit card:

Complaint: I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Main Office, VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have a checking account with Capital One. On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Flushing, NY

Money was not available when promised

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

CA

APR or interest rate

Credit card:

Complaint: Capital One is constantly misleading consumers about low-interest promotions. As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Foothill Ranch, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

CA

Credit determination

Credit card:

Complaint: XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. I look forward to hearing from you soon. SincerelyXXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Hinkley, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: ... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
Company Response: Closed with explanation

Disputed: No Timely Response