CAPITAL ONE FINANCIAL CORPORATION

2016-09-08

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Wash, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Sangerville, ME

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I received XXXX settlement offers in the mail from XXXX attempting to collect a debt for Capital One. I looked into some of my options and was informed that due to living in Maine my husband was able to handle my credit information and discuss matters on my behalf. After hearing this information, my husband called and spoke with a representitive from XXXX who divulged all of my information without hesitation. One of the things that was mentioned in this conversation was that my husband was hoping to settle this matter in an attempt to avoid consulting a bankruptcy attorney. They were unable to come to an agreement on a settlement. My husband then called days later in an attempt to pay the settlement offer I received in the mail and was told that XXXX no longer had my account. They stated that because an attorney was mentioned they sent the account back to Capital One. My husband then contacted Capital One and spoke with three different representitives in three separate departments. Two out of the three representatives told XXXX ( my husband ) that they could not discuss any information with him because he was not listed on the account. The other person divulged my account information without hesitation. My husband explained that he had already been given my account information and explained what we had been told about the law in Maine regarding spouses. Both then divulged all of my information to him but were unable to discuss any settlement options because there was an attorney listed on the account and transferred him to the Recovery department where he dealt with the same issue and was put on the line with a supervisor in the recovery department named XXXX in Virginia with an ID XXXX. XXXX was extremely rude and abrasive and was not helpful in any way. XXXX explained that she could not give my husband any information regarding my account due to him not being listed as a user on the account then after divulging some of my information including account numbers and balances she stated to my husband that the reason she could not discuss any information with him was due to the attorney listed on the account. She stated that there was a specific attorney listed on the account but could not give his name but stated multiple times that there was a specific name listed as an attorney. My husband knew that this was not true due to him being the only person that has had any communication with Capital One or XXXX on my behalf and has never listed an attorney nor have either of us ever stated that we had retained an attorney or were going to retain an attorney. The only mention was my husband stated he want to resolve the settlement instead of consulting an attorney. I personally have called Capital One twice since these conversations took place in an attempt to remove any such attorney and settle the debt. Capital One have continued to make it extremely hard to resolve this issue. Both phone calls I have placed have proven to be unhelpful. I have been told that the person I spoke to could not view all of my accounts nor could he discuss any settlements despite not seeing any attorney listed and was unable to transfer me to the recovery department because they have limited hours that they are available. I have been placed for a call back from them twice and have yet to receive one yet. I do not know what else I can do to resolve this issue. I have spent countless hours over the last two months attempting to resolve this matter only to be left feeling helpless and taken advantage of. I have never had any issues feeling this way before but this is a very real situation that has been horrible and all I want is for it to be over with. I truly believe they are attempting to target me and keep me from moving forward in my life without their agency. I appreciate anything that you can do to help with this.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-08

Mboro, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Bedford, TX

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Federal Way, WA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Euclid, OH

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-08

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-09-08

OH

Credit card protection / Debt protection

Credit card:

Complaint: Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Cleveland, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Great Neck, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My lender automatically compounds the interest on my loan daily while only offering a facility to pay semi-monthly.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

NJ

Billing disputes

Credit card:

Complaint: i need XXXX XXXX from capital one to call me about disputing XXXX on my account its time and i ened it done. too many different answers. i try her with all those numbers at her extension and my time is valuable i need a call after XXXX XXXX to dispiute the rest of it. i need it back. merchant will not fight it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Killeen, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Metairie, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Mission Viejo, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-07

Slidell, LA

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Charleston, SC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Kalamazoo, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Centerton, AR

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Macon, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Cherry Brook, MA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response