CAPITAL ONE FINANCIAL CORPORATION

2016-09-22

Bozeman, MT

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-22

Belleville, IL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Fort Stockton, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

Waddell, AZ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Las Vegas, NV

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Fort Worth, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

Charlotte, NC

Payoff process

Credit card:

Complaint: Capital one and myself agreed on a payment plan to help my credit card account. Capital One has continuously called me for payment. Even after I had made payment been sent receipts by Capital One. They continue to remove me from my plan and then refuse to speak to me about it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

San Jose, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Baltimore, MD

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Waddell, AZ

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Las Vegas, NV

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-22

Wallington, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX 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

2016-09-22

Cheverly, MD

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

Cocoa, FL

Other

Credit card:

Complaint: This letter is being sent to as notices sent to B CAP ONE XXXX CAP ONE BK XXXX XXXX XXXX, XXXX, VA XXXX XXXX your company erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. This is a fraudulent account that was open on my name Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records ; any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

Brooklyn, NY

Payoff process

Credit card:

Complaint: I was out of work for about 6 months. after contacting the Credit Card Co Cap One, I was hoping to have my fees reduced due to late payments, but I was advised they do not offer this service. So after getting back to work I contacted them again, lets work to reduce the APR from default of 29. % to something manageable till I can catch up. Again sorry we do not offer this. So what are my options I asked? Credit counseling and debt consolidation? Not asking for much just a temporary solution.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

Merced, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-21

Commack, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Lewisville, TX

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-21

Yorktown, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Henderson, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Shelby Township, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Mahwah, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

San Francisco, CA

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-21

Philadelphia, PA

Billing disputes

Credit card:

Complaint: My mother lent me a loan in order to pay my Capital One Platinum card & Quicksilver Card. They reversed the payment after my brother questioned the payment. They accused me of fraud & closed both my accounts.
Company Response: Closed with explanation

Disputed: No Timely Response