CAPITAL ONE FINANCIAL CORPORATION

2015-04-20

Salton City, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-19

Newark, NJ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-18

Richmond, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-18

Washington, DC

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-18

Washington, DC

Privacy

Credit card:

Complaint: I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-18

Itasca, IL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: The last payment made on this Account was XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-18

Main Office, VA

Delinquent account

Credit card:

Complaint: In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-18

CA

Billing statement

Credit card:

Complaint: THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-18

Sacramento, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Katy, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-17

South Florida, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.
Company Response: Closed

Disputed: No Timely Response

2015-04-17

Spring Hill, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Seattle, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Clark, WY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Danbury, NH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Oxford, GA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Capital One has XXXX me once again. This would be the XXXX time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the XXXX phone call in the last two days, was told that my rate was going to be higher than what I 'm paying now. I ca n't believe the problems and horrible service at Capital One!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

MI

Other

Credit card:

Complaint: I have been sent a pre-approved credit card application from XXXX XXXX, XXXX XXXX. XXXX, UT XXXXXXXXI am registered on XXXXXXXXI would like to know where Capital One got my credit information? And my name removed from Capital One contact list
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-16

Hammond, LA

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

IA

Taking/threatening an illegal action

Debt collection: Auto

Threatened to sue on too old debt
Complaint: I dispute the validity of this debt. I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 2. I request any and all information pertaining to this debt including date of agreement. Until such verification is received you may not contact me in any form.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Long Beach, CA

Closing/Cancelling account

Credit card:

Complaint: I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-16

TX

Privacy

Credit card:

Complaint: Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

San Francisco, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: In XXXX 2015 I opened a secured credit card account with Capital One Bank via an initial opening security deposit of {$300.00}. It took approximately 14 days for the processing of that initial deposit to occur. Since that time I have made XXXX consecutive payments, all made from the same account as the initial funding deposit. On XXXX/XXXX/15 I attempted to make a new deposit to the account, but due to a banking error on the payment end by XXXX, the funding account bank, it was rejected. After identifying the issue with XXXX, I had the error corrected and resubmitted another deposit of the same {$100.00} to Capital One for credit to my credit line. After receiving, and processing ( ie " cashing '' ) the deposit, Capital One placed a " fraud alert '' on my credit account, and froze all funds in the account. They cited as explanation the returned item from XXXX as " suspected fraud '' and have since been holding all funds while they draw interest on the money and I am left without access to any of it. The problem is that 1 ) no fraud existed as I clearly own the XXXX account 2 ) the same XXXX account has been repeatedly used to fund and make all payments on this account 3 ) my banking relationship with XXXX Bank is of absolutely no business of Capital One and the demands that they are making to information regarding that account are far outside of the scope legally required or necessary. I believe they are using this situation as a pretext to obtain information they can then use to track my financial standing at XXXX Bank without legal authority, pre-existing approval, or direct knowledge of their activity on my part.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-16

Jonesboro, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Lawrenceville, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

MI

Transaction issue

Credit card:

Complaint: On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response