CAPITAL ONE FINANCIAL CORPORATION

2015-04-15

Laurel, MD

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Ivalee, AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Simi Valley, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Atl, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

West Branch, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Evansville, IN

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Leavenworth, KS

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

WI

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. Please advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Atlanta, GA

Other

Credit card:

Complaint: In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Independence, LA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Oro Valley, AZ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-15

Washington, DC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Grapevine, TX

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

New Baltimore, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Winton, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Ellenwood, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Cutler Bay, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-14

Scottsdale, AZ

Unsolicited issuance of credit card

Credit card:

Complaint: I received XXXX letters from CapitalOne on XXXX XXXX, 2015. XXXX letter stated that I would be receiving a CapitalOne Credit Card with a credit limit of {$10000.00} within a couple of weeks. I did not solicit a credit card from CapitalOne. The XXXX letter contained the credit card. The following day I received a message to call the fraud detection department at CapitalOne because there had been unauthorized use of the card by the second person named on the card in XXXX -- -I live in XXXX XXXX The credit card I received had only my name on the card. I was also told that the card had been cancelled and that I would not be responsible for the several small charges made to the card. I persisted and got the name of the second person and the XXXX charges made in XXXX. The number I received reached the CapitalOne fraud department in XXXX. I asked for a number in the USA. The XXXX number I called reached their fraud department in XXXX XXXX. The XXXX number that I was given reached offices in XXXX. The helpful clerk in XXXX provided the information concerning the second person named on the account and the XXXX small charges made before the account was closed. This clerk would not name the city where she was located in Oregon but by asking questions It was narrowed to either XXXX or XXXX. It is beyond my comprehension that a multi-national credit card company would send an unsolicited card with a ready limit of {$10000.00} that could be activated by someone other than the named party printed on the card. My attorney is looking into possible action against CapitalOne for their unethical business practices. I will abide by his recommendation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

City Of Sunrise, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

MO

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Soddy Daisy, TN

Other

Credit card:

Complaint: I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Gateway, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Camden, NJ

Billing statement

Credit card:

Complaint: On XX/XX/XXXX I took a {$200.00}. cash advance from my Capital One Master Credit Card. I made extra payments to cover it XX/XX/XXXX. My last statement dated XX/XX/XXXX has a cash balance of {$1300.00} in addition to my purchase balance how can this be I never missed a payment on my card. No other cash advances were made on my account since the {$200.00}. in XX/XX/XXXX. How can my cash advance of {$200.00}, in XX/XX/XXXX carry a balance of {$1300.00} in XX/XX/XXXX after making regular monthly payments on my account since XX/XX/XXXX?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Stafford, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Anaheim, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response