CAPITAL ONE FINANCIAL CORPORATION

2016-08-30

Airmont, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Niantic, CT

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-30

Glendale, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-30

Northside, NC

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

2016-08-30

Oxford, GA

Other

Credit card:

Complaint: Capital One credit card was opened without my permission, after investigating they refused to remove the account, however I was told that if I paid the balance due on the account WHICH I DID, that they would change the status from 'Charge Off '' to " Closed '' To date all XXXX credit agencies are still showing the account that has a XXXX balance as " Charge Off '', I would like Capital One to change the status to " Closed '' as was promised to me once the balance was paid in full.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Flushing, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-30

NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-30

Groton, MA

Balance transfer

Credit card:

Complaint: Over a year ago I transferred balances to Capitol One hoping to save on finance charges while I paid off the principal. Capitol One still charges finance charges even though I pay on time every month. I contacted them and they are unwilling to help me with this. I can not afford the finance charge. I owe {$2000.00}. The due amount only goes higher. I transferred my balances to Cap One in hopes that I could resolve my debt.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-30

Airmont, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

LA

Other

Credit card:

Complaint: I received a Capital One Business Credit Card that was suppose to be reported only on my business credit reports but to my surprise I was notified by XXXX that the Business card was being reported on my personal credit reports. This is a violation of the FCRA, FCBA and FDCPA. I called an spoke to a Rep. Name XXXX out of XXXX Florida and he said they are required to report it on the personal and business credit and I advised him that I was told that it would only be reported on my business credit report and only on my personal credit report if the business defaults on the credit card.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-30

Royal Palm Beach, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-30

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Airmont, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Adelanto, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-30

Ridley Park, PA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

CA

Billing disputes

Credit card:

Complaint: i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes./ phone calls i was also told i would be rebilled for XXXX item of XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Chicago, IL

Billing disputes

Credit card:

Complaint: In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Dix Hills, NY

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Queens, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX XXXX I went to the bank in person on XXXX 2016 and gave the check to the teller to deposit into my account, and specified to the teller to make sure the check is good and she told me to come back tomorrow because the funds are not available the same day and the check should clear tomorrow and the funds will be in the account. I went back to the bank in person on XXXX 2016 in the morning in person and went to the same teller and i asked her is the check good and the funds are available? and she said yes the check is good and the funds are in the account and you can withdraw it now. Once i was told the check is good and the funds are in the account i trusted what the capital one bank teller told me so there is no reason to doubt anything. I also made a additional call later in the morning to double check the funds were there in my account after i took {$1200.00} dollars out to make sure. I went food shopping around XXXX at stop and shop and when i got to the cashier my ATM card would not work 3 or 4 times on different machines, so i called capital one bank and they told me all the accounts are frozen because the check that was deposited the day before was a fraud and fictitious, and i asked them what happend to my money in the account and they told me capital one didn, t get paid so we took your money to make sure capital one gets paid. Capital one left me with no money in my account and no money in my pocket and no access to make checks and pay bills and cut off my wife, s accounts also leaving us broke and embarrassed, all this because they did not bother to make sure the check is good before putting funds in my account and lying to me not once but twice in person at the bank telling me the check is good and the funds are in the account by their bank teller. I believe that there is no security for the customers money in this bank or any other bank that conducts buisness in this manner, there needs to be a change to bank policy across the board to safe guard the rights of the customer. These type of security problems can be avoided simply by enforcing customer security over customer want, i rather wait 3-5 days for my funds to be checked out fully before any money is put into my account so i dont have to go through this ever again or any body else. It is the banks job to make sure a check is fully good and cleared before any funds are available, instead i was turned in circles and spoken to in a bad manner by a number of capital one representives and capital one rather blame me and lie to the better buisness bureau and all related agentcies than take responsibility to reimburse me for their faulty buisness policies. There should be no funds put into an account until a check is fully cleared and verified, this is the banks job to secure the money and transactions of the customer first not leave their customers broke and cut off of any money to live. I don, t accept this answer from capital one because they are just trying to cover up for there mistakes in policy, besides i had one of their higher ups call me and tell me that they are going to change policy across all of their banks because of this incident. If you need any proofs i have documentation, I have a [ Police report ], [ XXXX report ], [ Capital one complaint ], If they dont reimburse me for their faulty policies i would like to request a lawer from the XXXX because i cant afford my own to follow this to get my money back and to change bank policy for everyone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

Washougal, WA

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

2016-08-29

Shelby, NC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2016-08-29

Lubbock, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Harvey, MS

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

2016-08-29

Centerton, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response