CAPITAL ONE FINANCIAL CORPORATION

2015-03-24

Plattekill, NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Norwalk, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

OH

Other

Credit card:

Complaint: Received Capital One charge card offer XXXX. Applied, was accepted ( {$500.00} limit ), activated card and used for XXXX presents. Charge card # XXXX. Right after activating card ... Capital One sent me another card with same {$500.00} limit ... never activated ... never used that card. First bill from above card # came due XXXX and minimum payment due was {$15.00}. I sent in {$20.00} via USPMO and sent in before due date. With the XXXX non-activated, non used credit card ... ..they also sent me bill for some yearly fees when never even activated the card. So called them up ... ... .told them did not want the card and sent back to them. Well ... .get my next bill from the card # above ( XXXX ) ... .they did not credit me for the {$20.00} payment and charged me outrageous over the limit fees, late fees, etc ... and now {$70.00} payment due. So, I called up, their rep stated they accidentally applied my {$20.00} payment to wrong account number and would be corrected. So, I sent in a {$70.00} payment via USPMO along with note to make sure account corrected and both payments applied to correct account number ( minimum due and wanted to keep that card and also repair my credit from bankruptcy in XXXX or XXXX. ) So ... XXXX bill came in the mail ... .and once again ... ..they did not apply my payment of {$70.00}, nor the previous payment of {$20.00} ... .which they stated they would correct. They charged me more outrageous over the limit fees, late fees, etc, along with some stupid note about " spreading yourself too thin. '' I thought wow ... .this is total bs ... ..so I called numerous times, wrote numerous times ... with no success of them correcting my account, when they acknowledged their mistake ( s ) ... ... then they wanted {$120.00} for minimum payment ... .I thought this is totally illegal. Sent my payments in on time and sent in more than minimum to even begin with. Kept calling and writing, with no resolution like they stated. I totally quit paying at that point ... Did not know what else to do at that time. Sometime around end of XXXX started getting threatening phone calls from some collection agency ... ... I mean really threatening. Like about every other day. Well, I ended up extremely ill, in and out of hospitals around that time, doctors, more hospitals, XXXX, XXXX, XXXX ... ..etc ... ..ended up in XXXX and XXXX entire summer, due to XXXX, XXXX ( XXXX at time ) XXXX ... XXXX, XXXX, and more ( Have all the records. ) Anyway ... come XXXX or XXXX, XXXX, XXXX, XXXX put a freeze on my bank account. ( currently XXXX XXXX ... Never knew took me to court & did an illegal Judgement. Called Capital One ... they new NOTHING ... Called XXXX etc..asked for verification XXXX XXXX ), etc..of my account, payments, court order, etc. Did receive back some info of my account. It clearly shows that they put my more than minimum payments onto a totally different account ... ..I now have the proof, of their illegal practices regarding Capital One and XXXX, XXXX and XXXX. I also have my stubs from my payments sent to them via USPMO for further proof. Now, just recently I have been calls at my home from unknown number stating to call XXXX stating something to the effect of ( my name ) and " property at ( my home ) address '' being sent from the clerks office. My Mother, who is owner of this home, has also been getting such calls and days in row ... regarding me and the " property at ( my home address. ) and clerk of court. Now she is the owner of this home which we rent ... and her property has nothing to do with my Capital One account which they totally illegally screwed me on..along with XXXX, XXXX XXXX XXXX illegal collection practices. So, I did look on website, and the Attorney for XXXX, XXXX, XXXX did do a Judgement renewal previous to us getting these harassing, threatening, illegal calls. Need help here.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Rocky Ridge, MD

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

La Vernia, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Buck, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

MO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves. Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX. It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Sarasota, FL

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-23

Rochester, MI

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-23

Baltimore, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Mill Valley, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Taft, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Cheshire, OR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-23

Nashville, TN

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Davie, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-23

MI

Late fee

Credit card:

Complaint: XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-23

Bronx, NY

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Complaint: After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.
Company Response: Closed

Disputed: No Timely Response

2015-03-23

Lannon, WI

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

South Florida, FL

Other

Credit card:

Complaint: Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-23

Oxford, GA

Billing disputes

Credit card:

Complaint: Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-23

Glendale, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

South Florida, FL

Other

Credit card:

Complaint: Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.
Company Response: Closed with explanation

Disputed: No Timely Response