CAPITAL ONE FINANCIAL CORPORATION

2016-10-19

Arlington, VA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-19

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Austin, TX

Other transaction issues

Money transfers: Domestic (US) money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Blue Mound, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Annapolis, MD

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Russell, IA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-18

Jacksonville, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Weston, CT

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Bywater, LA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Rockford, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Orlando, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Euclid, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-18

Wallington, NJ

Billing disputes

Credit card:

Complaint: There is a Capital One account on my credit reports that does not belong to me. I have disputed this numerous times and Capital One refuses to remove this item. During my last dispute I received a response from Capital One ( see attached ) stating that this is my account and all of the information that they have on file matches my information. This is not true. I have called Capital One in regards to this matter and when asked to verify my information they could not because they stated that the birth date that they had on file did not match. I wanted this is writing so I went to the online chat because I was told that they could not respond via email regarding personal account matters. On all occasions they could not verify my birth date ( see attached ). There were more times than this but I only printed out XXXX. I did contact them to try and settle this account because I want it removed from my credit reports. I was willing to pay for something that was not even mine because I am being railroaded by Capital One. This goes to show that XXXX XXXX from Capital One has provided false information just to not remove this item that really does not belong to me. I would like this information removed from my credit reports immediately. As I have stated numerous times this is not my account and I will proceed with further actions if this is not done.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Tucson, AZ

Unsolicited issuance of credit card

Credit card:

Complaint: I continue to receive unsolicited credit card application forms from Capital One even after I froze my credit and informed Capital One customer service to remove my name from their mailing list.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-18

Wallington, NJ

Billing disputes

Credit card:

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Okc, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Louisville, CO

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-18

Phoenix, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Stevenson, MD

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. Regards,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Key Biscayne, FL

Other

Credit card:

Complaint: This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Hampton, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I paid off my Captital One Auto Finance loan early and they submitted to the credit bureaus " account closed '' instead of " paid in full ''. Subsequently my credit scores went down.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Lk Buena Vis, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. I thank-you in advance for given this your upmost attention.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Wallington, NJ

Billing disputes

Credit card:

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-18

Crystal, MN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

North Shore, LA

Fraud or scam

Money transfers: Domestic (US) money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response