CAPITAL ONE FINANCIAL CORPORATION

2016-08-23

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Mesquite, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

MD

Communication tactics

Debt collection: Mortgage

Used obscene/profane/abusive language
Complaint: communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Sandy Hook, 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

2016-08-23

Summerfield, FL

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Foothill Ranch, CA

Other

Credit card:

Complaint: I have XXXX different Capital One Credit Cards, accounts ending in XXXX and XXXX. Capital One is reporting late payments on both of my accounts. I have disputed the late payments and asked for them to please provide me with the date the accounts became 30 days late, the date that I called them with my payment or hen th payment was withdrawn from my bank and the date the payment was credited to my account. I have sent 3 different letters to Capital One Bank in XXXX XXXX XXXX and the response I get back from them is : " We have confirmed the late payments. '' They are refusing to provide proof that the payments were indeed 30 days late and are refusing to provide me with information that I, as a consumer, am entitled to receive under the law. I have never disputed that the charges are mine nor have I stopped payment on the accounts, all I have asked is that they provide me proof that the 30 days late payments they are reporting are correct. Since they have refused to do so on several occasions, I believe that they do not have proof that the accounts were paid 30 days late. Capital One Bank is know for holding payments for a day or two if the deadline for 30 days is close. Do I admit that I have come close on those dates that they are claiming 30 days late, yes I have no problems admitting to that, but every single time I have made a payment I make sure to ask : " This will not put my account into 30 days late correct? '' And every single time I have been assured by their Customer Service Representative, " No, you 're paying within the 30 days so you will not be late ''. I feel that Capital One Bank is not being up front and honest and providing a customer with what they are required to do by law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Checked my credit report 4 years ago saw there was a capital one credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Ft Wayne, IN

Other

Credit card:

Complaint: I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-23

TX

Other

Credit card:

Complaint: On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-23

VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Donelson, TN

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-22

Columbus, OH

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Penn Hills, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Grand Lake, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Clifford Township, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Briar Park, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-22

Melbourne, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Hewittsville, IL

Advertising and marketing

Credit card:

Complaint: I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Austin, TX

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

2016-08-22

Leeton, UT

Billing disputes

Credit card:

Complaint: You guys emailed me a secure link for me to up load proof of my dispute with XXXX XXXX. I now have proof of my leasing agreement. It looks like the link no long works. Please provide me a new link.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Oaklevel, VA

Payoff process

Credit card:

Complaint: I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-22

Columbus, GA

Arbitration

Credit card:

Complaint: I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-21

WI

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-21

N Haven, CT

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Air Mail Facility, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response