CAPITAL ONE FINANCIAL CORPORATION

2016-08-12

WA

Other

Credit card:

Complaint: CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-12

Chicago, IL

Closing/Cancelling account

Credit card:

Complaint: Capital one closed/locked me out of using my credit card to update the card to a chip. Thus for over 1 month I was unable to have access to my revolving credit as they were unable to send the card during that time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Manhattan, NY

Billing disputes

Credit card:

Complaint: I spoke to customer service and a suporvisor that said on the call they see it was corrected and they were going to far over the letter of good standings ( never got a fax ) and then they came back to XXXX with no change ( makes no sense ... ) it should be off my report! I have spoken to them numerous times and they say one thing than go another route ... It was from so long ago and i believed at those times it was corrected ... i do not have doc on it bc it was so long ago! But i am hoping they will finally admit what they say on phone and take OFF this inquire finally thank you!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Finksburg, MD

Communication tactics

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-08-11

Atl, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Metairie, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Glenarden, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-11

Grandview, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-11

Cheshire, OR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

CO

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Wallington, NJ

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been one submitting any disputes or other information -- - on my behalf. I will expect that with this deceleration that you allow for the CFBP to simply follow procedures in both the acceptance of a dispute and then, the response to the same in this portal. I OWN this account, and do not dispute its ownership. Classification of this issue as anything else is against all rules and then laws that govern your compliance to react to a consumer inquiry, as XXXX has done 6 times in XX/XX/XXXX alone. This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. Attached are screen shots of the current status of the XXXX XXXX XXXX. ( XXXX ) account on file with XXXX. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted. Please do not manually " update '' the record any further, in a XXXX decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily. The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. Have been provided. 1. XXXX XXXX XXXX, is a CLOSED collection account. XXXX. This account continues to remain OPEN, with no DATE CLOSED. XXXX has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate. 2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample XXXX report ( from XXXX published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - XXXX ( its own published document ) for this CRA 's standards for a credit report. Insertion of a collection account 3. According to the XXXX and the XXXX, and the XXXX 2 file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are = XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only. Please see the attached XXXX layout specification, pulled from a search online. 5. Equifax has added a PAY HISTORY ( deleted, added, re - added ) XXXX XXXX XXXX has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of 120 days past due. This value is dedicated to Credit Grantors, as per the XXXX, XXXX and the XXXX File specification standards. File Name XXXX - Past Due 120. 6. XXXX XXXX XXXX - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( XXXX ) standards. This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side. Delete the INNACURATE and INCOMPLETE Accounts
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Fortuna, CA

Unsolicited issuance of credit card

Credit card:

Complaint: I had XXXX accounts from Capital One bank show up on my credit report. I do n't have any accounts from Capital One. I tried disputing them with the company to no avail, furthermore I disputed the accounts with the credit reporting agency, XXXX, and they were " verified '' as mine. These accounts where open under my name and SSN and do not belong to me. They must be removed from my credit file. I have the information about these accounts listed below. Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$0.00} Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$1400.00} These accounts are not mine and must be removed asap!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-11

San Jose, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Mill Creek, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. I have phone records showing the incoming calls from them. THIS IS HARASSMENT!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Phoenix, AZ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: 1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Aurora, UT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Portland, OR

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Norcross, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Waterford, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Niverville, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Palm Harbor, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response