CAPITAL ONE FINANCIAL CORPORATION

2015-04-29

Roxbury, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Antioch, CA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Wonder Lake, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Philadelphia, PA

Closing/Cancelling account

Credit card:

Complaint: I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Wonder Lake, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Baltimore, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

HI

Other

Credit card:

Complaint: I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Harsens Is, MI

Transaction issue

Credit card:

Complaint: I have repeatedly explained to Capital One that I have not made or authorized any charges to XXXX XXXX XXXX. I have filed several disputes and Capital One is still refusing to refund me my money. In addition to that I was issued a credit from XXXX for food that was returned in the amount of XXXX and Capital One reversed it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Long Beach, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Euless, TX

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Mid City West, PA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Pinellas Park, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Westminster, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

Ampere, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Hialeah, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Baltimore, MD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Bronx, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-28

Berwyn, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Albany, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Marietta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Gastonia, NC

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Petaluma, CA

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Watkins, CO

Transaction issue

Credit card:

Complaint: On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

VT

Advertising and marketing

Credit card:

Complaint: I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company
Company Response: Closed with explanation

Disputed: No Timely Response