CAPITAL ONE FINANCIAL CORPORATION

2016-07-29

San Antonio, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Broomfield, CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-29

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-29

TX

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Salton City, CA

Advertising and marketing

Credit card:

Complaint: I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Van Nuys, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-28

Dockweiler, CA

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Fort Worth, TX

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-28

Dallas, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Covington, GA

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Galena, OH

Delinquent account

Credit card:

Complaint: XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Norwalk, CT

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

MD

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. Lawsuits against consumers without sufficient basis. Filed lawsuits based on unreliable or false information. challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Plymouth, FL

Customer service / Customer relations

Credit card:

Complaint: I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Garner, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

OH

Closing/Cancelling account

Credit card:

Complaint: Capital One closed my credit card account without my permission. I recieved a call today saying someone called previously and requested my account to be closed. I do not understand why my account would be closed without my permission and without contacting me. The lady I talked to said she was calling to clarify why it was closed and kept saying I requested it to be close. I told her that was not the case and that I did not request the account to be closed but she would not listen to what I was telling her and just kept repeating that I had requested the account be closed which of course I did not. I could not seem to get her to understand this and she eventually hung up on me. I have never seen customer service like this. I do not appreciate Capital One taking liberties with my card and closing it without my permission.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Burlingame, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Capital One charged my Credit Card {$450.00} without my authorization and refused to reverse the charge. Furthermore, they failed to return many phone calls and email attempts to resolve this matter amicably. 1. In a Capital One letter, Capital One claimed that I accepted their offer for a loan that included a {$450.00} deposit. I never accepted their offer. 2. Capital One provided NO evidence of acceptance of their offer. The reason is that they do not have any such evidence because I NEVER signed their acceptance letter. 3. Following is a copy of a XXXX/XXXX/2016 email received from XXXX XXXX, the Capital One 's mortgage broker whom my wife and I were working with. From : " XXXX, XXXX '' XXXX XXXXXXXXXXXX XXXX Date : Wed, XXXX XXXX 2016 XXXX +XXXX Subject : Capital One Home Loans Hi XXXX XXXX, I tried call you today to possibly review other options with Capital One. What exactly are you both looking for with rates and costs with Capital One. I will submit another exception so we can keep your loan with us. If I kept all the costs the same as I have it now, but the rate was a 2.875 % instead of 3 % would that work for you? Thanks! XXXX XXXX Mortgage Loan Officer XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ( fax ) XXXXXXXXXXXX The email above is evidence that as late as XXXX/XXXX/2016, my wife and I did NOT accept Capital One 's offer. There was NO reply to that email and thus NO acceptance to Capital One 's offer prior to their unauthorized charge of my credit card on XXXX XXXX, 2016. 4. After learning Capital One 's unauthorized charge of my credit card, my wife wrote an email to XXXX XXXX on XXXX/XXXX/2016. In this email my wife wrote : XXXX XXXX, Capital One has charged our CC for {$450.00} on XXXX XXXX. Can you please reverse this charge? Best Regards, XXXX XXXX replied stating that he does not have the authority to reverse the charges and referred us to his manager XXXX XXXX at XXXX. I attempted to call this number but it was dysfunctional at the time. I attempted to call XXXX XXXX about 3-4 times, but XXXX never returned any of those phone calls. 5. On XXXX/XXXX/2016 my wife wrote an email to XXXX XXXX. In it she wrote : XXXX, My husband has left you multiple voice messages over the past two days but you have not returned his call. Also, the phone number you provided for your manager is a bad number and I have informed you of this a couple days ago but you have not yet replies with a good number! Please reply with a valid phone number for your manager. As you know, I never gave you authority to charge my CC. Neither did I provide such authority to anyone else at Capital One. I have already requested that you reverse this charge and I am now demanding that you reverse this charge immediately. Not doing so immediately will result in a major escalation as I do not appreciate this under-handed approach. Time is of essence. If I do not hear back from you by mid day on Tuesday I will escalate this matter to the appropriate authorities. Thank you. 6. On XXXX/XXXX/2016 I left a voice message on XXXX XXXX 's VM box, in it I said : " I want to file a complaint against your firm for charging my credit card without authorization and for refusing to reply to any of my multiple phone messages and emails. '' XXXX XXXX never responded to this voice message.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

OR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-28

Billerica, MA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

NJ

Billing disputes

Credit card:

Complaint: Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Alafaya, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-27

Prior Lake, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-27

Naples, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Tempe, AZ

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response