CAPITAL ONE FINANCIAL CORPORATION

2016-08-08

Fort Worth, 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

2016-08-08

Williamston, MI

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-08

Oakland, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Green Bay, WI

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Mount Holly, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

DE

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Dallas, TX

Late fee

Credit card:

Complaint: [ XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ] Account Number : [ XXXX ] [ XXXX/XXXX/2016 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

Seligman, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: On XXXX/XXXX/2016, I sent Capital One a letter with a copy of my disputes to XXXX, XXXX, and XXXX for the derogatory Capital One account # XXXX XXXX XXXX XXXX ( see Capital One Letter ). I included a copy of the judgment in my favor against Capital One for that account. Also included was a request that Capital One correct the false and fraudulent IRS form XXXX that it filed for debt I am not personally liable for. On XXXX XXXX, 2016 Capital One sent me response letter requesting several documents and stating that it would respond in 30 days once I sent those documents ( See Capital One Response ). Oddly, Capital One seemed to be unaware that it sued me on this account and lost. Although I had previously included all of the items requested by Capital One in my correspondence, I again sent everything they requested in my letter dated XXXX/XXXX/2016 ( see Capital One Followup ). As of the filing of this complaint I have received no further response from Capital One. It has cost me considerable time and expense to repeatedly contact Capital One, XXXX, XXXX, and XXXX to correct the inaccurate information. Although XXXX has removed the inaccurate information, it is still being reported by XXXX and possibly XXXX ( waiting for a full response from XXXX on my CFPB complaint # XXXX filed on XXXX/XXXX/2016 ).
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-08-08

GA

Customer service / Customer relations

Credit card:

Complaint: I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XXXX I was diagnosed with XXXX XXXX and after XXXX XXXX and a loan modification which was only for 4 years my husband and I had some marital difficulties due to my XXXX and financial issues after he found a new girlfriend he left me. I filed for divorce in XXXX XXXX. Prior to that I made up and resolved the delinquencies with capital one XX/XX/XXXX by setting up a payment plan to commence XXXX XXXX XXXX thru XXXX XXXX. I made every payment in XXXX on time. Now that the divorce is over since XXXX/XXXX/XXXX I can only qualify for a purchase reverse mortgage at age XXXX, that 's in less that 2 months. Capital one refuse to take these delinquencies off my credit report, they refuse to give me a letter stating that I was never delinquent in XX/XX/XXXX and now they will not return my calls. If they do not satisfy the underwriters of the new loan I am trying to get on my budget, I will be homeless. I beg of you to please help me through this merry go round and persuade capital one to provide me with the info that I need to qualify for this loan Time is really of the essence ; Please help me. Hopefully XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

MS

APR or interest rate

Credit card:

Complaint: I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

NY

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-07

Jupiter, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-07

Dallas, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-07

Hamburg, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-07

San Diego, CA

Billing disputes

Credit card:

Complaint: Dear sir or XXXX, I 'm weighting this in regards to my capital one credit card I 'm XXXX or 2016 I become ill under the care of a Dictor and XXXX by the Doctior I was having some serious health issues that I 'm only know barely recovering from. Buy the time it was done I apparently missed two payment and they say a third one but that information is in correct the statement come out on the XXXX and I paid it on XXXX XXXX so a complete thirty days did not pass. i did notify my credit card company of my desabilty and how it was keeping me from working..they stated no problems XXXX XXXX we have a program to protect you while your XXXX is n't well, i said " great thank you ". So much Starting in late XXXX when I contacted them. The following month.i did n't receive a bill in the mail, as well as XXXX and XXXX. I had figured it was all under the program the customer service rep had enrolled me in I thought at the time he had said everything will be on hold tell you are better and at that time call us you can make a Payment. Was was very relieved to her this.i called on XXXX first and made a payment just as I had promised. When I made the payment. I was Informed that thag was n't the case and I had been charged for all the months with late fees. Explaining my situation heavily medicated at the time.and what my account was on hold per the gentleman I faked to, stared no it just does n't build intrest and lower your Paynent. I was cocked!! the lady explained I spoke to a manager they returned all the late fee. Again I was thrilled. I descovered there is a 60 day late on my credit report and maybe a 90 I told them all this they reven so they seen there fault and miscommunication of felt do to me being sick and desabled in and out of the hospital that they would remove the late payments but not the credit reporting ones. This is unfair I did what I was told they say they mailed bills now but I never recieved any. Stating you knew you had a bill in your mind.i I had to laugh honestly
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-07

Walden, CO

Credit line increase/decrease

Credit card:

Complaint: I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On XXXX my mother, the cardholder, called customer service. She spoke to XXXX, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on XXXX we called customer service again and talked to XXXX in XXXX. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming this. She said I would get a letter in 30 days confirming this. This is 2016. I highly doubt there is a no emailing policy. All my loan officer needs is one email from Kohl 's saying I have been taken off. The XXXX housing market is hot. I am incurring money damages with each day I am unable to finalize my loan. I am losing my chance to get a home loan because of a kohl 's card that is n't even mine. I believe there may be an unfair business practice underlying their constant refusal to take me off as an authorized user. They have not reported my status to the credit bureau even though I have asked them twice now. This is having a significant impact on my life.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-07

Foothill Ranch, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-06

Fort Worth, 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

2016-08-06

Charlotte, NC

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-06

San Gabriel, CA

Closing/Cancelling account

Credit card:

Complaint: Neiman Marcus Dispute Customer since XXXX, no missed payments. On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. I feel my account has been closed due to the multiple escalations to management for the still open claim. Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. Please see attached letter, which has also been sent via USPS certified mail. About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-06

West Newfield, ME

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-05

Lacey, WA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-05

Urbandale, IA

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

2016-08-05

Bethany, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response