CAPITAL ONE FINANCIAL CORPORATION

2016-08-25

Tulsa, OK

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-25

Queens, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Brooklyn, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-25

Fort Stockton, 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

2016-08-25

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-25

Houston, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Hixson, TN

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Fort Stockton, 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

2016-08-25

Lenzburg, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-25

FL

Other

Credit card:

Complaint: This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

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

2016-08-25

Tulsa, OK

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-25

Beachmont, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-25

Ft Belvoir, VA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-25

Waterbury, 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

2016-08-25

Bohemia, NY

Other

Credit card:

Complaint: I have been disputing inaccurate information that is reporting to the XXXX major credit reporting agency 's in regards to my capital one account. It is reporting as having a late payment. ( which I never was late in paying ). Recently I requested my interest rate to possibly be lowered. Capital one lowered the interest rate and sent me a letter that I would receive {$24.00} credited back to my card due to the lowered interest rate. I viewed the statment and it is showing as a late payment reversal fee. I contacted capital one as I explained that I was not late with my payment and have not received the credit back to my card they had promised. I was told that on XXXX/XXXX/2016 there was a credit for {$24.00} and on XXXX/XXXX/2016 there was a credit for XXXX cents. I explained that this is very confusing because showing on my statement it is showing as a late fee reversal. I also asked why in XXXX the XXXX then in XXXX the XXXX cents. I was told this is the credit that I was to receive for the interest rate. This is very mis-leading as it shows on my side that I was late and they gave me back the late fee. This is wrong information and also very confusing. I am submitting this complaint because I was not happy about seeing a late fee credit when I was not late. It should be listed on the statement a credit due back for lowering interest rate. This is very diseving. I am submittin this complaint because capital one is reporting that I had a late payment last year ( which I did not ). Having this deragatory remark reporting on my credit reports is affecting my credit score in a negative way. After seeing today how my statement read an untrue fact is quiet concerning to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Ventnor Heights, NJ

Late fee

Credit card:

Complaint: I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I was adviaed via email that my deceased mother 's account had been dormant for too long. So I contacted Capital One and advised them that my mother was deceased and that I had been the personal representative of her estate. However I had administered her estate and all if her assets had been distributed before I became aware that this banking account existed. By the time i became aware of the Capital One account, the estate had been discharged. I was advised to provide them a court order reflecting that I was in fact the personal representative, a copy of her death certificate and a direction to pay letter advising how I wanted the funds distributed. I provided all three. I specificlly requested that they issue the check to me as there was no longer an estate. At no time would Capital One disclose either the account number or the amount of funds contained within it. A week later I recieved a call advising my request was denied because they would not issue the check to me without a " Small Estate Affidavit '' and another direction to pay letter. At that time I advised them that Florida, the state of my mother 's residence and closed estate, did not recognize a Small Estate Affidavit. I was told the check would not be released to me without one, so I prepared a notarized " Small Estate Form '' and a new Direction to Pay letter requesting the funds be sent to me as the personal representative and heir of my mother 's estate. On XX/XX/2016, I received a call from Capital One advising they did not need any further documents and they would be releasing the funds in a check made out to the estate of my mother. When I called Capital One to straighten this out, I was transferred to a XXXX who told me that that was all Capital One could/would do. When I asked XXXX why I had been made to submit the extra documents, he told me that the Small Estate Affidavit was not recognized in Florida. I told him that i had pointed this out to his predecessor during my previous conversation but they had insisted I provide one. XXXX then placed me on hold to speak with someone and came back to tell me there was nothing Capital One could/would do. When i asked to be transfered to his supervisor he advised me he was the highest telephonic individual I could speak with. When I asked for his last name or some reference number for him, XXXX told me that was confidential. When I asked to speak whoever he was speaking with when he placed me on hold, he once again told me that person was confidential and refused go transfer the call. Finally when i asked where I could write someone at Capital One, he told me the only thing I could do was fill out a customer satisfaction form. This process is absurd. Capital One has been provided with all the documentation they requested and even more documentation above and beyond that described on their settlement page of their website. I have provided a notarized affidavit and court order demonstrating that I was both the personal representative and heir of my mother and Capital One has repeatedly refused to acknowledge my standing in this matter. Capital One 's actions will cause prolonged and expensive litigation to release finds which Capital One has no right to retain.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Indianapolis, IN

Credit determination

Credit card:

Complaint: 1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. XXXX XXXX, XXXX XXXX and XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Niantic, CT

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

2016-08-24

Morristown, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Naples, 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

2016-08-24

So Effingham, NH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Finley, WA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-08-24

Clermont, FL

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