CAPITAL ONE FINANCIAL CORPORATION

2015-04-27

Berkeley, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-27

Buckingham, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-04-27

Hampton, VA

Sale of account

Credit card:

Complaint: When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

NY

Delinquent account

Credit card:

Complaint: Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Rome, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Point Arena Air Force Statio, CA

Billing disputes

Credit card:

Complaint: Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-26

Bedford, TX

Balance transfer

Credit card:

Complaint: I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Taft, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Scottsdale, AZ

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

LA

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Complaint: Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Van Nuys, CA

Billing statement

Credit card:

Complaint: I have a Capital One Credit Card and when I make a payment I notice that the money is taken from my checking account immediately. I made this payment on the on XXXX/XXXX/2015 and my checking account was debited for {$400.00} on XXXX/XXXX/2015. I contected my bank and they stated the funds were paid on the XXXX/XXXX/2015. I checked my credit card account on XXXX/XXXX/2015 and Capital One still has not credited my account even tough they wree paid three days ago. This is the XXXX time this have happened to me after I made a payment and payment was paid by my bank. I feel if they take a customer mone from their account knowing that its clear and hold it I should be paid. I contacted the credit card company via chat and they refused to release the hold stating it will be released on XXXX/XXXX/2015 even though they know the money is cleared. I think is is illegal for a company to hold an individuals money even though they have been paid and the funds cleared.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-25

Coosada, AL

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-25

Albuquerque, NM

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-25

Richmond, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-25

North Kortright, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Sacramento, CA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Alexandria, VA

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Aurora, CO

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Durham, NC

False statements or representation

Debt collection: Mortgage

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Aurora, CO

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Littleton, CO

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Crofton, MD

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Grand Prairie, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Bloomington, MN

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Bear, DE

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response