CAPITAL ONE FINANCIAL CORPORATION

2015-04-22

Savannah, GA

Credit determination

Credit card:

Complaint: I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in XXXX XX/XX/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporting the balance owed on the account, not reporting the account was closed on my behalf, and causing a negative reporting issue on my credit report and transferring my account to a third party collection agency. I spoke with XXXX, an accounts recovery supervisor, I also spoke with disputes. I informed XXXX departments that the information reported was incorrect and that they needed to correct it. Disputes said if I got the CFPB involved I would need to speak with accounts. I spoke with accounts again, XXXX, said she would not correct the information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

TN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Lakewood Village, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Montgomery, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Appleton, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Newnan, GA

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

2015-04-21

Bellerose Terrace, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Airmont, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! So currently my money is permanently stranded in my Capital One Account. When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Woodbury, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Silver Spring, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-21

Bayside, NY

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Rochester, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX I had to file bankruptcy due to my XXXX to protect myself. I had to include my car loan eventhough I intended to pay it off, which I did in XXXX of XXXX. I have the lien free title and a letter from Capitol One Auto Finance releasing the lien. I have asked Capitol One to remove this bankruptcy report from my credit reports but they refuse even though they acknowledge that I paid it off and they say it will stay on my reports until XXXX. I contacted the XXXX credit reporting agencies as well however they are telling me that it is up to Capitol One Auto Finance to remove the negative reporting. I want this removed from my credit repors as I am trying to rebuild my life after the devastating blow that I took because of my exhusband. My name is XXXX XXXX, my loan number is XXXX and it was for a XXXX Ford Taurus VIN # XXXX. My contact number is XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Taft, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Evans, CO

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Clarkesville, GA

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Colville, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

TX

Closing/Cancelling account

Credit card:

Complaint: i have to accounts XXXX is for captial one and the other is XXXX with XXXX and both accounts are closed i want the accounts off of my credit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

MN

Managing, opening, or closing account

Prepaid card: General purpose card

Complaint: My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. NOW I have this on my credit report and they REFUSE to help in any way.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Washington, DC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Lynn, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response