CAPITAL ONE FINANCIAL CORPORATION

2015-05-01

Berkeley Lake, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Hiram, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Montclair, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Newnan, GA

Billing disputes

Credit card:

Complaint: I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Chestnut Street, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Arco, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Flushing, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Las Vegas, NV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Olympia, WA

Bankruptcy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Manassas, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Roseville, MI

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Aurora, CO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Laurel, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Jacksonville, FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Grand Junction, CO

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Detroit, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Manassas, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

WI

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Allenwood, NJ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: 1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the " VIN '' number of the vehicle i was interested in and finalize the sale. 4. As required by capital ones process and " navigator '' system i entered the " VIN '' into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached " XXXX capital one approval '' email. 5.The dealer XXXX XXXX was listed on capital ones website as a " preferred dealer '', however XXXX ford did verify my capital one approval etc however they was n't listed on capital one 's end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle " was commercial " and also " they dont finance vehicles over XXXX passengers '' to note, the vehicle was " approved '' by their " navigator '' system by giving me the rate and terms it did not state on the system that the vehicle was n't approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n't finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Magnolia, TX

Billing disputes

Credit card:

Complaint: Capital One Bank offered pre-approved credit cards by mail with registration code. I applied online and got approved for XXXX cards, XXXX XXXX ( {$300.00} limit ) and a XXXX XXXX card for students with {$500.00} Limit. I charged things and paid off the whole balance on each card less then a week or two after purchase. I applied for a business card and was approved with a {$500.00} limit. Shortly, before the business card arrived, I setup Automatic payments for the current cards. When I attempted to make a payment, which was more then the minimum payment required, they cancelled the account and told me to wait for a letter in the mail. The Business Card arrived and it was cancelled before I tried to activate it! The accounts are cancelled but remain opened for additional payments and I can only pay the minimum balance. This activity has dropped my credit score XXXX points in one month.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Stoughton, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Buckatunna, MS

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed

Disputed: No Timely Response

2015-04-30

Lithia Spgs, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Carol Stream, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-29

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response