CAPITAL ONE FINANCIAL CORPORATION

2019-02-19

Key Biscayne, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Credit pull. Hard inquiry
Company Response: Closed with explanation

Timely Response

2019-02-19

Hillsboro Bch, FL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-02-19

Thousand Oaks, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-02-18

Grapevine, TX

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-02-18

Vacaville, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-02-18

Columbia, WA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2019-02-18

NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: XX/XX/2019. signed rental aggrement.XXXX and XXXX to hold apartment the complex did not have unit ready and would not provide me certificate of occupancy prior to move in. This is against Florida law. I have contacted capital one for months, submitted all documents they requested numerous times. Capital one fails to re credit my XXXX and XXXX. I was told they would definitely assist me. my card account ends in XXXX. I have called repeatedly, emailed, uploaded, and mailed all requested documents. the cancellation letter, lease with back out clauses, Florida law. email from complex stating they would not provide certificate of occupancy. Capital One personal credit card has been a horror show.
Company Response: Closed with explanation

Timely Response

2019-02-18

Bloomington, MN

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: This is my third CFPB complaint, Capital One is not even replying or answering my complaint at all. I have been on the phone with Capital One to request my credit balance refund check of the balance on the account of - {$8600.00} XXXX, XXXX XXXX XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-02-18

Rochdale, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Friday XX/XX/XXXX RE : Social Security Number : XXXX RE : ACCOUNT IN DISPUTES ACCT ( FILE # ) XXXX This letter is in response to your recent claim regarding the above-referenced accounts, which you claim I owe {$2000.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Moreover, please provide the following information : The statement the original creditor sent to me showing that it planned to charge-off the debt and send it to a debt collector ; A statement describing how the debt collector acquired my debt from the original creditor ; Information regarding any prior settlement of the debt Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX DL # : XXXX XXXX XXXX D.O.B. : XX/XX/XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Tel : ( XXXX ) XXXX Cc : Attorney Generals Office, Consumer Complaint XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : ( XXXX ) XXXX Cc : Better Business Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Tel : XXXX
Company Response: Closed with explanation

Timely Response

2019-02-18

Birch Run, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
Company Response: Closed with explanation

Timely Response

2019-02-18

Norcross, GA

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-02-18

SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Capital One account number XXXX has a late payment for XX/XX/XXXX that has been removed once before from the capital one because it was an error. It has reappeared on my credit report in XX/XX/XXXX. And it has not been fixed after several calls to them. The late payment that is still on my credit report is indeed an error and I need It to be removed immediately as it is in violation of the Fair Credit Reporting Act and The Fair Credit Billing Act.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-18

Lakeview, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-02-18

Simi Valley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I didn't know that there was a report on something I never signed or aware of. I recently downloaded XXXX XXXX for help with my report in general but got better answers in someone stealing your identity in alerts. I had no idea of this until now, because my credit should of been good.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-17

Antioch, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-17

Archer, ID

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-02-17

Natrona Hts, PA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: Ive gone online and called capital one about refinancing after 15 months of 12.12 % paying on time. I feel I should be entitled to a lower interest rate and if capital one wants to keep the consumer work with them! They say as long as your their customer already they wont refinance! I find it absurd and almost discrimination they are getting low credit score people at high interest rates and saying to bad for you!!
Company Response: Closed with explanation

Timely Response

2019-02-17

Roanoke, VA

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-02-17

PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XXXX deleted 4 fraudulent capital one inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. Capital One told the CFPB that some are fraudulent. XXXX has been stating that these inquiries were verified for months. I asked capital one and XXXX for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. How did the pick and choose which inquiries to keep and which ones to remove?
Company Response: Closed with explanation

Timely Response

2019-02-17

Lewisville, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: Gentlemen : XXXX XXXX fraudulently charged our credit card and withdrew funds from our bank account for services not rendered. We never provided any information to them regarding both accounts not did we ever authorized any such charges or withdrawal from our bank account. We reported the incident to Capital One the credit card company. They immediately issued a new credit card, credited the account and promised an inquiry. To our utter amazement, shock and dismay we received a letter in early XXXX from XXXX, Fraud Investigator at Capital One that she did not find any indication of fraud. Except for an address in XXXX XXXX XXXX the letter does not have any email address or a telephone number where she could be reached. We called Capital One went around the Merry Go Around with them. No one was able or willing to help. We called again the following week on XX/XX/2019 and asked to speak someone from the fraud division. We spoke with XXXX and he put us on hold for a prolonged time. Finally XXXX, apparently his supervisor came on the line. After relating our concerns to him he finally conceded that they had received a response from XXXX XXXX but the response had another customers name on it. We requested that if we could get a copy of such response it was refused. We asked if we could get the response with the customers name redacted our request was declined again. We requested XXXX 's and his ( XXXX ) telephone number and email address. Again our request was declined. Finally XXXX conceded that XXXX 's report was incorrect and he would send the case back for further investigation. We received another bomb shell, another shocker in the mail yesterday. This was sent simply by the Customer Fraud Protection stating " We're happy to tell you that your fraud investigation with Capital One is now resolved '' Lots of questions come to mind. Based on what evidence did XXXX conclude that she did not find any investigation of fraud. Why are being denied in getting in touch with her. When XXXX concurred with us that XXXX 's investigation was incorrect and he would sent the case back for further investigation why have we received this letter yesterday. Is this mere negligence on Capital One 's part of collusion between them and XXXX XXXX. We have approached XXXX XXXX several time regarding these issues. They have refused to respond to our inquiry regard the charges to the credit card and lied about the illegal fraudulent charge to our bank account.
Company Response: Closed with explanation

Timely Response

2019-02-17

Chicago, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-02-17

Foothill Ranch, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: I am very stunt of how credit cards started theirs thief style stared charging their redicilous fees and XXXX off recking peoples credits and so on Problem 1- capital l one stop mailing statements without my request so in XX/XX/XXXX I requested and told their customer service over the phone that because I have been Haked twice and because of the headache and hassle I went through I decided I dont do on line banking ever again therefore I dont care how much credit cards like internet Ill do it my way and thats not to do on line banking case closed. Problem -2 I made a transfer over the phone I asked customer service about transfer fees she said the transfer will be treated as a purchase so their wont be any fees so I get my statement capital one charged me {$20.00} interest late fee and madd my account past due I call customer service and tell them that I never got statements I wasnt suppose to get charged regarding transfer they need to reverse all the fees then he told me I have to pay off the account in full then they will take all the fees back Well with everything they did I dont trust capital one because if I pay off the account then call for fees credit requests They will tell me something around the fees charged were ledgenamet
Company Response: Closed with monetary relief

Timely Response

2019-02-17

El Paso, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief

Timely Response

2019-02-17

Northdale, FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Company Response: Closed with explanation

Timely Response

2019-02-17

San Mateo, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I filed for Chapter XXXX Bankruptcy in XX/XX/2018. Capital One credit card was included in my petition. In spite of the Automatic Stay, Capital One is continuing to collect this debt : On my XXXX credit file and XXXX, Capital One has reported this account as 90 days late, 120 days late, and a few days ago 150 days late! Additionally, Capital One is adding interest to the amount of the original petitioned debt. The reported Current Status is : " delinquent, at least 120 days or more than four payments past due, '' and ( 2 ) Description Remarks : " {$270.00}, 150 days past due. '' I have now disputed this account TWICE with XXXX, but Capital One keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. I am requesting that Capital One update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
Company Response: Closed with explanation

Timely Response