CAPITAL ONE FINANCIAL CORPORATION

2016-10-24

Grover Beach, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Staten Island, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Las Vegas, NV

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

West Harrison, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Atl, GA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Sarasota, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Old San Juan, PR

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Lynn, MA

Other

Credit card:

Complaint: I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

PA

Other

Credit card:

Complaint: Capital One is who I have the complaint with. I have reported them to you in the past also. I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-24

Riverdale, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Garrett Park, MD

Cash advance

Credit card:

Complaint: As I was going through my credit card statement one day back in XXXX XXXX, I noticed an extra interest charge that read " cash advance '' In XXXX again, I was checking other statements starting from XXXX XXXX through now and noticed a {$510.00} cash advanced charge plus all the interest they have been charging me. I was falling behind on my payments and that is why all the interest and amounts finally caught my attention. Not knowing why the charges were there, I called Capital One to find out and the person that I talked to said that the charges are for a supposed {$510.00} cash advanced withdrawal, which I never made. He said it was related to the " cash advanced '' for XXXX XXXX. Which I never made. I went to one of the branches and I was told that I had to disputed directly with the credit card, which I already did. If you could please help me out with this situation.Help me clarify this transactions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

San Diego, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Colts Neck, NJ

Transaction issue

Credit card:

Complaint: On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Wesley Chapel, FL

Unsolicited issuance of credit card

Credit card:

Complaint: Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Brooklyn, NY

Billing disputes

Credit card:

Complaint: On XX/XX/2016 I had a balance of {$1900.00} and XXXX purchase of {$24.00} made on XX/XX/XXXX. The {$4.00} posted to my credit card account on XX/XX/XXXX the same day as the interest charges for purchases and cash advance charges were applied to the balance. At this point I should have an available credit of {$51.00} but instead I have an available credit of {$14.00} which I believe to be wrong. Further I believe that I have been charged the total interest charge of $ XXXX twice and that leaving an available credit of XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Oxford, GA

Delinquent account

Credit card:

Complaint: I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. Thanks, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Discovery Bay, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-23

Avondale, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-23

Coral Springs, FL

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-23

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-23

N Falls, NY

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-23

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-23

Oxford, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-23

FL

Other

Credit card:

Complaint: 1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-22

Martinsville, VA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response