CAPITAL ONE FINANCIAL CORPORATION

2016-07-21

Colts Neck, NJ

Billing disputes

Credit card:

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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

2016-07-21

Panorama City, CA

Communication tactics

Debt collection: Credit card

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

Disputed: No Untimely Response

2016-07-21

Eight Mile, AL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One allowed a charge of {$1200.00} to a XXXX XXXX XXXX. I did not authorized such charge. Shared with Capital One copies of emails between me and XXXX XXXX of firing him in XXXX, 2016. Sent copies of what I paid XXXX XXXX on an agreement in XXXX XXXX. My last payment to XXXX XXXX was {$600.00} on XXXX/XXXX/2016 with an new agreement {$2200.00} if I use his services again. Total payments to XXXX was {$2800.00}. I contacted XXXX in XXXX XXXX and he would not respond to my calls or emails. Threaten firing on calls. XXXX XXXX does n't respond until its a month after XXXX/XXXX/2016 for new contract. XXXX XXXX did nothing for me during the time we were arguing about his services and his firing. XXXX XXXX XXXX we did n't have to meet for anything and I would have to do hearing myself for now. I figure I paid him already to at least come to the first court date. There was no negotiations with other parties. Already told XXXX in XXXX 2016 we was going to court no meeting up for anything. My financial situation changed and was trying to contact XXXX in XXXX to make known we needed to collect some money from my spouse since she took {$32000.00}. I ran out of money. It took XXXX XXXX 20 days to respond to my email in XXXX XXXX 2016. I was dissatisfied with his services on XXXX XXXX when he did n't contact me. He avoided my calls on purpose to get legal obligation but provided no service to me. This is for XXXX and new agreement for {$2200.00}. He was fired in XXXX in an email. He did no authorized work for me. His charges are made up and not agreed to by me. I believe Capital One already sided with XXXX because he is a lawyer no matter what proof I brought they sided with him I believe out of fear. He has no signature by me for these charges my dispute was started in XXXX I believe and so it 's no way he taught he still had a job. This dispute been going on for 5 months and they would rule in my favor but allow XXXX XXXX to present paper work at last minute when it does n't prove anything when you look at it. They told me the last time that his time ran out it was closed then they opened it again. They lied to me. I would have closed the account before if I knew they would allow him to reopen the case. They had their mind made up already. They sent me on XXXX XXXX their already made decision. But we was still disputing all till XXXX XXXX 2016. They had their mind already made up and just lied to me. They did n't even look at XXXX XXXX paper work. I confronted them on this. They just got fake reps to leave fake numbers like XXXX ext XXXX and a number XXXX not a working number. They stall with another rep when you call their real number have you on hold XXXX minutes to tell you same thing they said before. Told them this is fraud, was n't paying this debt they allowed to my card that was closed XXXX/XXXX/2016. Sent my last payment with the words final payment and that the account is now fraudulent wrote a letter faxed to them that I do n't owe them anything since it 's fraudulent. Recorded my conversation with their rep explaining they allowed a charge without my signed consent or agreement. XXXX XXXX has no signature for fake charges. Did n't use his services. Just few emails would n't take no time to read all them. XXXX of the people even said they do n't have a real fraud dept. all go disputes to handle. Tried to go to their fraud dept. their excuse they had to get info from disputes. But really fraud is not handling the case always forwarding it to disputes dept.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-21

Lawrenceville, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Lancaster, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Hon, HI

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

2016-07-20

Waxahachie, 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

2016-07-20

Katy, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-20

Elsmere, DE

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-20

Centerton, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-20

TX

Billing disputes

Credit card:

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX 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

2016-07-20

Ladies Island, SC

Fraud or scam

Prepaid card: ID prepaid card

Complaint: I opened this prepaid card with capitalone I put all the money on the card myself when I WANTED to increase my balance I would put money on the card and hit credit increase then they applied it as an increase and not a payment few months into having the card I ask if they do credit increases using their money they said we do n't give credit increases on prepaid cards I said ok. I put my own money on this card thinking that if I increase my own credit it would help my score so later about a year I wanted to close the account so I spent all my money on the card after they got their monthly fees then I got a statement saying I owe them XXXX dollars that they put on my card well I could n't believe this cause they never put any money on my card they made that clear at the beginning that they do n't do increases on prepaid so their contradicting their self I do not owe them a single red penny and I will not be ripped off because they know that I 'm trying to up my credit score so I guess they think they can rip me off cause they think I will pay so it does n't ruin my credit their wrong I will fight this to the end I do not owe them thank you please help with this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-20

Maxwell Afb, AL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from XXXX XXXX XXXX on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-20

Inglewood, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Fort Madison, IA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Arco, CA

Forbearance / Workout plans

Credit card:

Complaint: When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Oxford, GA

Billing disputes

Credit card:

Complaint: Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Knightdale, NC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Houston, TX

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: I received an offer fro Capital One to refinance my home. I called them to get the process started and submitted all of the requested documents through their loan document tool. I received phone calls nd emails stating they had not received documents. Iwastold by XXXX XXXX, Mortgage Lending Spec, to email docs directly to her. I did confirmed on the phone that she had received everything. I called the title company to followup on an email I received and was told that my file was closed. I contacted XXXX to ask what happened and was told I needed to speak with XXXX XXXX who was my Loan Officer. XXXX was out of the office. I followed up with an email on XXXX stating that my fil was closed and I have n't received phone call, letter, or email stating why nd that my credit score took a really big hit from this process. I would at least like an explaination. I till have n't received any feedback. I have a right to know why my refinance did n't go through and Captial One has n't been forth coming with any information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Stevenson, MD

Using a debit or ATM card

Bank account or service: Checking account

Complaint: there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-19

Bronx, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Austin, TX

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

2016-07-19

Pittsburg, TX

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Washington, DC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response