CAPITAL ONE FINANCIAL CORPORATION

2015-05-19

Marietta, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Ehrhardt, SC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Birmingham, AL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Franklin D Roosevelt, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Darnestown, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Grover Beach, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-19

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Eau Claire, WI

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Chandler Hts, AZ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Bayside, NY

Improper contact or sharing of info

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

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

Disputed: No Timely Response

2015-05-19

Arco, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Berlin, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Tarpon Spgs, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Greenwood, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Grand Junction, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Houston, TX

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Las Vegas, NV

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Wallington, NJ

Closing/Cancelling account

Credit card:

Complaint: My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-19

Orion Twp, MI

Credit determination

Credit card:

Complaint: Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Cleveland, OH

Other

Credit card:

Complaint: On XXXX/XXXX/XXXX. I called and made my Kohls payment via automated system. My bank account had sufficient funds to cover the {$52.00} payment the automated system said I owed. I entered my correct bank account number, and the system said hold while we process your payment. After a brief hold It said payment successful. I received a confirmation number XXXX. A few weeks later I went to Kohls and the card declined. I was shocked I have had this card from XXXX and never missed a payment or came close to this card 's limit. I called Kohls and they said our payment did n't go threw. REASON : Incorrect account number. After lengthy conversation with customer service they were able to get the last XXXX digits of account number used. It turns out the numbers were the XXXX digits before the last XXXX digits of my account. The system made an error and did n't compute the last XXXX digits of my account. At that time I asked what the total balance was and I paid in full. The total balance given to me was inaccurate and they sent me a refund check several months later because they had given me inaccurate high balance .. Also that day I asked if this system error was going to affect my credit and I was told yes because it made us 30 days late.. I asked to talk to the department that handles disputes. I was told they have no contact. I was told they would initiate the dispute and correspond with that department, After getting very frustrated they told me I can also send a letter. We promptly sent the letter to the XXXX XXXX XXXX We waited over 7 months and no response.. I am finding out months later they never Informed the credit bureau of dispute.. Calls letters, and emails over months with no resolution. I recently started calling customer service again, and XXXX to last Call to Kohls XXXX XXXX XXXX I recorded, and was told they would call credit burrow and correct their error made by automated system. But I followed up and was told nothing is in the notes.. call was made on XXXX XXXX at XXXX and taken by operator ID XXXX if recorded call is reviewed it will show just another lie told to us. On XXXX XXXX XXXX almost a year after our original phone calls and letters we get our first response that states. " I am very sorry to learn of your difficulties while making your payment. While this is certainly an unfortunate circumstance, I am unable to adjust your credit profile. 1 ) I have been Kohls cardholder from XXXX never missed a payment. I have XXXX home loans, XXXX home equity loan XXXX limit, XXXX auto loans, XXXX student loans, and XXXX revolving credit lines in total XXXX limits, I have zero missed payments other than the {$52.00} Kohl 's automated system error. 2 ) I paid XXXX other cards via automated system using same account same day with zero issues. 3 ) I ENTERED CORRECT ACCOUNT NUMBER, and after the system said hold processing payment It said payment successful and gave confirmation number. I would have no reason to believe my payment was not processed. 5 ) I was told 7 months ago they were initiating a dispute. It took months of letters and phone calls to even get XXXX response.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Chicago, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Blades, DE

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Torrance, CA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response