CAPITAL ONE FINANCIAL CORPORATION

2015-05-14

Cincinnati, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Tempe, AZ

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Wallington, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Fort Lauderdale, FL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Brooklyn, NY

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Cocoa, FL

Delinquent account

Credit card:

Complaint: I had a credit card with Captial One that I failed to pay the balance on. I originally defaulted on it XX/XX/XXXX. I made no payments on the account until XX/XX/XXXX. I paid XXXX dollars on a XXXX dollar minimum balance. The account was never brought current. Capital One shows my date of original delinquency to be XX/XX/XXXX when it should be XXXX of XXXX. I have called and spoke to several representatives about this. I was told today that they re-aged my account when I paid the XX/XX/XXXX payment of XXXX dollars. They did not have my permission to do so, nor did we set up any kind of payment plan or agreement. When I asked them why they re-aged the account, I was told that although they could see the payment history they had no notes about why the account was re-aged. I am requesting that they change the date of original delinquency back to XX/XX/XXXX which means it should have fallen off of my credit report last month.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Tubac, AZ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Jamaica, NY

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Hinsdale, IL

Rewards

Credit card:

Complaint: I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-14

Chandler, AZ

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

2015-05-14

Baltimore, MD

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Three Bridges, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Lexington, NC

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I thought I had submitted a dispute to the creditor 's response. For an unknown reason my complaint shows undisputed with CFPB. This is to dispute Capita One response to case number XXXX and add matters not included in the original complaint. The bank claims that there are no records indicating that a payment plan was agreed. The plan consisted of monthly payments of {$190.00} for six months and then the account was going to be placed on a permanent payment plan. The bank 's response is not credible since the bank has records of all calls and they indicate when they call or is called by the consumer that all calls are recorded. I spoke with collection officers in several occasions. The bank should be asked to produce the telephone records for the call when the first payment for {$190.00} was made. The record would should that that amount was established by the bank to provide a period of performance before the account was to be permanently placed on a payment plan. The records will also show that I was advised to make a minimum payment before the account was 180 days to prevent charge off. I made the payments before the 180 days. The account never became 180 days past due. The record will show that a delay by the bank in posting a payment resulted in the charged off of the account. In addition, the bank should provide a copy of their internal policy ( which they quoted several times ) that requires charge only when when the account becomes 180 days past due. The account never became 180 days past due. The bank failed to address the violations of the Truth in Lending Act and Fair credit Reporting Act cited in the complaint. It appears that the bank is hiding these records to conceal a violation of these regulations. New information not included in the original complaint. The bank used unfair and deceptive acts and practices. It was unknown to me that at the time I was talking to someone I taught represented Capital One I was dealing with a collection agency. In violation of the FDCPA the debt collector, XXXX XXXX, XXXX, did not disclose at the time they stated calling me that they are a debt collector. XXXX XXXX is a debt collector owned by Capital One. Capital One deceptive acts includes the use of debt collectors such as XXXX XXXX or XXXX XXXX, to collect on defaulted credit card accounts, but it calls these debt collectors a " servicer '' of the account and pretends that the account is not in default in order to get around FDCPA liability. Their deceptive practice includes the use of letters that look like they are coming from Capital One Bank, including the Capital One logo. Capital One Services discloses in the small print, that they are a debt collector, but they only do that after they have made several calls and after reaching and agreement with the creditor. The letter containing the terms of the agreement is the first time they disclose that they are debt collector. In addition, the letter indicating the terms of the agreement is made written with the intention to deceive since they make it look like it is from Capital One Bank. Failure to disclose that Capital One is a debt collector is a violation of the FDCPA.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Maricamp, FL

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

2015-05-13

Greece, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Fort Worth, TX

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I was notified via email of XXXX transactions on Sunday, XXXX XXXX which I did not authorize. I immediately called Capital One 360 to inform them of the charges. The total had already been removed from my available balance. I was told that I had to wait until XXXX for the charges to post and then I could make a dispute. I was told that it could take up to XXXX hours to complete the dispute and for the funds to be returned. This caused a separate credit card payment to be returned. I filed a police report and called on numerous occasions to resolve the issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Coral Springs, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Boulder, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Kings Ferry, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Bonsack, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-13

Madison, WI

Sale of account

Credit card:

Complaint: I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Spring, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Sarasota, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

MI

Billing disputes

Credit card:

Complaint: I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.
Company Response: Closed with explanation

Disputed: No Timely Response