CAPITAL ONE FINANCIAL CORPORATION

2016-07-27

Dale City, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Lynn, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Kissimmee, FL

Credit line increase/decrease

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

2016-07-27

Tacoma, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Ft Myers, FL

APR or interest rate

Credit card:

Complaint: The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Nyc, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Itasca, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Milwaukee, WI

Customer service / Customer relations

Credit card:

Complaint: I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Nyc, NY

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-27

Louisville, KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: There was an account opened from Capital One back in XXXX that I disputed from identity theft. Capital One closed the account on XXXX. In XXXX, I started receiving calls from " XXXX '' and all came from XXXX XXXX asking that the debt was mine because they can show statements where there were purchases made and making payments. I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from Capital One showing charges from XXXX and XXXX. They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. I really need help with this harassment. Thank you!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Milwaukee, WI

Credit card protection / Debt protection

Credit card:

Complaint: I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Fondren, 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

2016-07-26

La Jolla, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-26

Columbia, MO

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-26

Manassa, CO

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-26

Menifee, CA

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-26

Phila, PA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Brownstown, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Anderson Township, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Ind Hbr Bch, FL

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Oakland, CA

Other

Credit card:

Complaint: I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. I will be filing a separate complaint against XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I recently noticed a Capital one Auto Finance appearing on my credit files. I requested that Capital One validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter, however, they are continuing to report this misleading information on my credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

San Diego, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response