CAPITAL ONE FINANCIAL CORPORATION

2015-04-13

Vab, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Bisti, NM

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-13

Howell, NJ

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Bronx, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Jacksonville, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Callisburg, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

NJ

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I XXXX XXXX HAD {$1500.00} DOLLARS TAKEN FROM MY SON ACCOUNT BY CAPITAL ONE BANK LOCATED AT XXXX XXXX XXXX, VA XXXX THE BANK CHARGED MY ACCOUNT MONEY THAT SHOULD HAVE NOT BEEN TAKEN OUT DEBTING MY SONS ACCOUNT, I WOULD LIKE MY SON MONEY PUT BACK INTO HIS ACCOUNT PLEASE THIS BANK IS A RIPP OFF CHARGING UNREASONABL FEES,XXXX THE MONEY WAS TAKEN FROM ACCOUNT # XXXX MY SONS ACCOUNT FOR SUPPOSELY ACCOUNT XXXX THE AMOUNT TAKEN WAS {$1500.00} PLEASE HAVE PUT MY SONS MONEY BACK PLEASE.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

Cutler Bay, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-12

Cocoa, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

Bueche, LA

Disclosure verification of debt

Debt collection: Auto

Not disclosed as an attempt to collect
Complaint: I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-12

Statesboro, GA

Billing disputes

Credit card:

Complaint: On or about XXXX my capital one credit card was charged XXXX for lodging that took place somewhere in the USA. I was not in XXXX during this time period ; & provided capital one proof of my time out of the country. My proof included a copy of my passport stamp from that time period, which showed that I was in XXXX during this transaction. Capital one gave a temporary credit & subsequently reversed the credit on XXXX. Capital one still has not resolved this issue. I would like your help in resolving this issuethanksXXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Carrollton, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Atlanta, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Altoona, PA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Ernul, NC

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

DC

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I own a small business in XXXX XXXX, as a regular practice I have to send checks back to my clients for refunds. On XXXX XXXX, 2015 I mailed out a check to one of my XXXX to XXXX for {$770.00} dollars. After 15 days my client called and ask me about the refund because he never received the check. I went to the branch where I have the account located in XXXX XXXX and XXXX XXXX XXXX XXXX, and the check appear deposit and paid to the account number XXXX in XXXX XXXX My client has not business in XXXX, he lives in XXXX XXXX I dispute the check with the Capital One Bank immediately but not case number was given to me and I asked for it, few days again I spoke to the branch manager who told me that the case was with the Fraud investigation unit but she can not give a phone number to follow up. After 2 months I have not received any answer for Capital One neither my money has been refunded. 2 weeks ago I went back to the Bank again and the management was changed and I was told they do not know about my case. Capital One Illegally deposit a check from my business in an account above mentioned in XXXX XXXX, XXXX XXXX miles away from my client location and has been negligent in resolve the Bank fraudulent deposit and refund the money to my account. Please see attached the fraudulent deposit in XXXX XXXX check XXXX XXXX XXXX, 2015 and the check I mailed out to my client a month later and deposited in California, check XXXX, this check has his real signature. Please see my account information below. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXXCapital One BankACCOUNT N : XXXXBranch Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXPhone numbers ; ( XXXX ) XXXX / ( XXXX ) XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-11

NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Lb, CA

APR or interest rate

Credit card:

Complaint: I applied online for the capital one quicksilver credit card and when terms were emailed to me they were different from the website. The site stated no annual fee and 0 % interest on purchases and transfers til XXXX 2015. My card came mailed to me with NO terms with the card, that 's the first time that 's ever happened to me. I called and of course the terms were the worse terms that was emailed to me. These new terms had a {$39.00} annual fee and the 0 % apr for transfers was gone.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-10

Country Lakes, FL

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-04-10

Key Biscayne, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

Kendall, FL

Late fee

Credit card:

Complaint: On XXXX XXXX, 2014, I made a payment for {$100.00} to Capital One Credit Card. After completing my payment I obtained a confirmation number XXXX. A XXXX later I get a late fee and higher minimum payment in my Capital One credit card statement. I contacted Capital One and spoke with representative ID XXXX and he apologized in behalf of Capital one and removed the late fee and fixed the issue of the bill statement. He also stated that this issue was not going to be reported in the credit bureau as it was a clerical error done by Capital One. However, I pulled my credit reports and Capital One has entered a late payment of XXXX days in all of the credit bureaus. I have called and I have sent XXXX letters to them so they correct the wrongful entry in the credit reports, but they continue to respond that I was late and that I did not make the payment. I have the confirmation number and the ID of the representative that I spoke with a month after. This is totally unfair practice and bad faith it should be corrected.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-10

Santa Ysabel, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. And is now reflecting as a collection account on my credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response