CAPITAL ONE FINANCIAL CORPORATION

2016-07-23

Lansdale, PA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-23

Ocklawaha, FL

Closing/Cancelling account

Credit card:

Complaint: My wife applied online for a credit card from Capital One and was approved. She has XXXX other Capital One Card and I have XXXX, that we have used for several years. The personal information provided for this new card is the same as the information on file for those other cards. When we received the new cards in the mail I went online to activate them but was told the cards had been restricted and I needed to call XXXX. I called the number and was transferred to the Fraud department. The agent I spoke to said there was suspected fraudulent activity and my wife needed to provide some information. My wife got on the phone and answered all of the questions asked, confirming that there was no fraudulent activity associated with this new card. The Capital One agent then told my wife that to lift the restriction she would need to send them her Drivers license, Social Security Card, and Birth Certificate. My wife refused and handed the phone back to me. The agent repeated the demand to me, at which point I told her that was never going to happen, this was way more trouble than it was worth, and to just shut the card down. The agent then told me " the card will remain open and restricted, and we will negatively impact your wife 's credit score until you provide those documents ''. At that point I ended the call. The three documents Capital One 's fraud department is asking us to provide are the three best documents someone would love to get a hold of to steal an identity. Their fraud department is asking us to put our identity at risk. Threatening my wife 's credit score if we do n't provide the requested documents is extortion.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

MI

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-23

Arco, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-22

San Francisco, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-22

Cypress, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

San Francisco, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-22

Addicks Barker, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Blanchard, LA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Centreville, VA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Untimely Response

2016-07-22

Ft Lauderdale, FL

Billing statement

Credit card:

Complaint: TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. Please remove bad inquiry as agreed by the credit card company
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

CA

Credit determination

Credit card:

Complaint: 30 days past.response not received. Please removed hard inquires my credit file. Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Arlington, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-22

Memphis, TN

Credit line increase/decrease

Credit card:

Complaint: Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Arlington, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Bridgeport, CT

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Centuck, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-22

Hamburg, NY

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Untimely Response

2016-07-21

Blackhawk, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-21

Amherst, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-21

Salisbury, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

New Orleans, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-21

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Recently my employer ran a credit check on myself and unpaid balance on credit card from capital one appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Rncho Domingz, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Newnan, GA

Other

Credit card:

Complaint: I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Company Response: Closed with explanation

Disputed: No Timely Response