CAPITAL ONE FINANCIAL CORPORATION

2016-08-20

Joliet, IL

Communication tactics

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

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

Disputed: No Timely Response

2016-08-20

Colts Neck, NJ

Other

Credit card:

Complaint: Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-20

Harrisburg, PA

Other

Credit card:

Complaint: Capital One Card reports my XXXX score as XXXX, but the actual posted score reads XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Tampa Palms, FL

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Odell, OR

Billing disputes

Credit card:

Complaint: I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Marrero, LA

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-19

Simi Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-19

La Pine, OR

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Tampa, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-19

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. XXXX XXXX XXXX , NY
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Lannon, WI

Other

Credit card:

Complaint: Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Austin, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Beyersville, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: This is hereby a legal notice. This is to inform you that my client, XXXX XXXX, has advised me of her best effort to notify you that this debt is invalid. Per her rights under the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978, she has sent you letters disputing both the debt and the validation of debt. Between the dates XXXX XXXX through XXXX XXXX communication was exchanged between my client and your company. In XXXX XXXX you informed my client of a purchase of debt from your client, CAPITAL ONE BANK ( USA ) N.A . Notifying my client on this communication the requirements of her 30- days for dispute. My Client filed a dispute well within this time frame. Your company response in XXXX XXXX specifically reflects her request of a dispute received. My client sent you another letter informing you that she could n't locate any information supporting this debt with any documentation she had around the same time. 30-days passed with no response from your company. My client sent a letter in XXXX XXXX notifying you of such absence. My client sent a copy of that letter to the Consumer Financial Protection Bureau ( " CFPB '' ). Your company 's response to the CFPB has questionable information. My client received a letter from your company on XXXX XXXX, XXXX that contradicts your company 's CFPB response. Both statements : " XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent you the attached letter on or about XXXX XXXX, XXXX, containing validation. '' " In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' show to be inaccurate per your letter received. I hereby considered both above statements to be a fabrication. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978 states that it 's ILLEGAL to deceive the consumer in order to collect on a debt. Second example of misleading the consumer is the support documentation attached to the CFPB case was totally different than the letter received. This type of behavior puts consumers into a position in which attempts to portray them into paying debt. However in reality they have a valid dispute. Third example of misleading the consumer is the validation of debt in which is being used. Your company states that my client owes you {$110.00}, however your own client, sent you an invoice with different balance due. You even state in the letter received on XXXX XXXX, XXXX, that " no known un-credit payments, counterclaims or offsets against this account at the date of its sale. '' Which means that your client never received payment, however in the documentation ( " Validation of Debt '' ) received shows just the opposite. My client even sent you a copy of a wire transfer that took place on XXXX of XXXX. My client also sent a letter to your client and sent copy to the CFPB. Your clients respond with " The debt was sold to XXXX XXXX XXXX on XXXX XXXX, XXXX. We have confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ) and you do not owe us a balance anymore. You may still owe something to XXXX XXXX XXXX and they may be reporting the account to the CRAs. If you have any questions about this, you can call XXXX XXXX XXXX at XXXX. '' Therefore making the documentation ( " Validation of Debt '' ) unverifiable.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Bronx, NY

Other

Credit card:

Complaint: I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-19

Houston, TX

Other

Credit card:

Complaint: I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Phila, PA

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-18

San Jose, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Lenzburg, IL

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-18

Boston, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Blossom Valley, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

NY

Other

Credit card:

Complaint: capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-18

Brooklyn, NY

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-08-18

Stafford, VA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-18

Houston, TX

Transaction issue

Credit card:

Complaint: I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.
Company Response: Closed with explanation

Disputed: No Timely Response