CAPITAL ONE FINANCIAL CORPORATION

2015-03-20

West Harrison, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-20

Manhattan, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Burkburnett, TX

Billing statement

Credit card:

Complaint: on XXXX XXXX, 2014 I paid this card off. now I get a statement of pass due new bal XXXX, min pymt XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-20

Anaheim, CA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-20

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Ocean City, WA

Credit line increase/decrease

Credit card:

Complaint: I recently sent an online secure message to Capital One asking if they can lower the interest rate on a XXXX because they approved another XXXX with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new XXXX with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I have the legal right to insist all communications with banks and credit card companies be in writing via online secure messaging. So then, I went online to activate the new XXXX card, and they 've blocked it, as I 've received an account restricted message. I 've already warned them that I would file a CFPB complaint if they continue to fail to respond in writing, but now that they 've restricted my new XXXX account, I 'm filing this complaint, as clearly, that is an act of retaliation. If CFPB fails to appropriately address this matter, and instead, simply sends me Capital One 's response, then considers the matter closed, I will report this to my Congressman, as well as post it on the Internet, as clearly, that indicates CFPB is just a " dummy '' agency created for the sole purpose of keeping the OCC from having to handle consumer complaints.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Cheshire, OR

Closing/Cancelling account

Credit card:

Complaint: My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Kensington, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, I use to have an account with Capital One and XXXX ( also Capital One ), the bank cancelled my account without explanation and few month 's later XXXX canceled my account, again there was no explanation. I was a good costumer at the Bank and doing small but growing investment with XXXX XXXX. Best regards, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-20

Ft Belvoir, VA

Other

Credit card:

Complaint: Capital One bank is sending credit card solicitations addressed to my father - who died more than 30 years ago. I called Capital One to ask where they were getting information. The person I spoke to did n't really have an answer. Sending credit card solicitations to a dead person sounds a ) shady, and b ) an open invitation to fraud ( both against my father 's good name and against the company ). How is Capital One getting information on my father? I 'd like this to stop, both for my father 's sake and for others, if they 're also getting these solicitations. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Carrollton, TX

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Davie, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Bel Alton, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

Manhattan, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Maplewood, MN

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-19

Providence, RI

Overlimit fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Tampa, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

Naperville, IL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Roseville, CA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-19

Edgewater, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Lanham, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Brookfield, WI

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Atlanta, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter XXXX Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Wallington, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. I feel like I 'm being scammed agained. for these reason I do n't use credit card norapply for credit.i do n't feel safe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

LA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Austin, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response