CAPITAL ONE FINANCIAL CORPORATION

2016-07-06

Cleveland, GA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Saint Paul, MN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Bowie, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Aurora, CO

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-06

Val Verde, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Ashburn, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Mahwah, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-06

Hillsboro, VA

Other

Credit card:

Complaint: I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about XXXX % of the gross. I thought the limit was XXXX % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in XXXX County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you can help me and if any complaints related to this one have been filed with you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-06

Lowell, AR

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-06

Manhattan, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Columbus, OH

Payoff process

Credit card:

Complaint: On XXXX XXXX, XXXX, I made arrangements with the Capital One # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all three of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. Capital One withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Charlotte, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Ft Myers, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Houston, TX

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Orchards, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Callaway, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Largo, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Hamburg, NY

Payoff process

Credit card:

Complaint: Capital One Bank ( USA ) , N.A . ( " the Bank '' ) is engaging in unfair, deceptive, abusive acts and practices by violating my rights under the account holder agreement for my Capital One Visa Platinum account. I recently relocated to a new state and updated my billing information with the Bank. Apparently this modification triggered a fraud alert in their system, which prevents me from accessing any account information ; information I need to remit payments and review ( 1 ) my balance, ( 2 ) account activity, including debits and credits, and ( 3 ) a copy of my rights under the account holder agreement. At the encouragement of the Bank, I foolishly enrolled in online statements, I do n't receive paper statements regularly. As a result, this system that is now prohibiting my access is my only source of this data. While I am not particularly concerned about ever using this account to make purchases again, I believe that Capital One is violating a number of consumer protection laws by not sharing my current balance or transaction data with me until I produce an onerous amount of documentation to prove who I am ( apparently the multiple telephone identity verification processes and desire to pay my bill are not sufficient proof of who I am ). The Bank does not have the authority to make such a demand or, if they do, I would n't know because I am unable to access a copy of my account holder agreement to review my rights. A large bank like Capital One should know that there are many identity verification services such as XXXX XXXX or even the USPS change of address system that would provide ample proof to the Bank of who I am and that I relocated. This action may be pervasive and affecting consumers at large. I encourage the CFPB to issue a Civil Investigatory Demand ( CID ) to the Bank to determine whether or not this is a widespread issue. This fraud block prevents a consumer from accessing information needed in order to pay their bill, potentially causing severe harm to consumers. I believe that this demonstrates, at best, willful neglect on the part of Capital One Bank who would certainly continue to charge additional interest and late penalties, furnish data to credit reporting agencies or charge off this account should I fail to remit regular payment on this account. Other, more responsible financial institutions, have implemented effective alternative methods to ensure that accounts with suspected fraudulent activity do not incur additional charges while still allowing the account holder to access relevant data about their account. I was able to obtain an unverified total current balance from the fraud manager who I spoke with after I was told it was a violation of their policy/procedure to provide this information to me. I have remitted a payment for this full amount to the Bank, although I have not had an opportunity to review the transactions which make up this balance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-05

Queens, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-05

Allenwood, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-05

Allenwood, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-05

Brentwood, TN

Closing/Cancelling account

Credit card:

Complaint: XXXX, Capital One ( XXXX accounts ), XXXX XXXX are not reporting my payments. I have attached statements
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Westfield Ctr, OH

Delinquent account

Credit card:

Complaint: We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Brentwood, TN

Delinquent account

Credit card:

Complaint: My credit card information has not been updated for a XXXX Capital one account
Company Response: Closed with explanation

Disputed: No Timely Response