CAPITAL ONE FINANCIAL CORPORATION

2015-04-02

Katonah, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Brentwood, PA

Balance transfer

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-02

Garden City, SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Menifee, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Carol City, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-02

Humble, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-02

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

MT

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. Additionally, during this time, their representative XXXX XXXX was literally " blowing up '' my phone every day XXXX times per day.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Darnestown, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Adelphi, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Bay Hills, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Chandler Hts, AZ

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-01

Louisville, KY

Billing disputes

Credit card:

Complaint: This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Scottsdale, AZ

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-01

PA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

NY

Transaction issue

Credit card:

Complaint: I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

El Paso, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I had a loan through Capital One Auto Finance and was having them withdraw payments through my bank account and than went onto a XXXX. When I got back from XXXX I had contacted the company and to set up my payments through an allotment and had it set for the amount taken out for the allotments to be able to pay off my car by the time I was getting out of the XXXX. When I had gotten out of the military I had called them again because my address had changed to get the title sent to my new location and they said that they had n't received a payment from me in about 18 months when I had original set up my allotment. I had talked to a manager later in the call and they had no record of me inputted into the records setting up an allotment for the payment. I got in contact with XXXX about this issue and nothing has been resolved about the matter and they keep asking for records of the allotment I had set up and stayed on the phone with them to make sure they received it in their email, the very next week they would ask for it again over and over again. Just feel like I am getting a run around from both XXXX and Capital One Auto Finance. I called the bank where the allotment was going to that they would n't give me the name on the account because I was n't authorized to get any information from that account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Allen, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-01

Hamburg, MN

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-01

Nyc, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Omaha, NE

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

CA

Other

Credit card:

Complaint: I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. Please help me.
Company Response: Closed with explanation

Disputed: No Timely Response