CAPITAL ONE FINANCIAL CORPORATION

2016-06-18

Houston, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Bayonne, NJ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Houston, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Jacksonville, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Corcoran, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-18

Bohemia, NY

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 late as of XXXX 2015 ; 60 days late 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

2016-06-17

Boise, ID

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Charlotte, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Hollywood, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Lafayette, LA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-17

Alexandria, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

MD

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: : foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

FL

Closing/Cancelling account

Credit card:

Complaint: Capital One denied charges incorrectly stating they were fraudulent. Upon first request for information, they advised that a previous charge was potentially fraudulent because they did not receive XXXX ( which is odd, because the charge was swiped and approved ). Then they advised that the charge in question was out of pattern ( which is also odd, because they 've approved transactions at the merchant before ). Finally, they decided to cancel my account and could do nothing to assist in continuing the relationship because it was a secured account. This seems in complete violation of good faith negotiation and federal law and would not guarantee any kind of resolution or response to my complaint. Therefore, I felt compelled to file it with the CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Carver, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: CaptialOne reordered transactions on my account such that automatic deductions would post before my direct deposit from my employer, resulting in an overdraft fee at XXXX %. Both the direct deposit and automatic deduction posted on the same day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Asbury Park, NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-16

Kagel Canyon, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Seal Beach, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-16

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Sierra Madre, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Joint Base Lewis Mcchord, WA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-16

Ft Lauderdale, FL

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-16

Ventnor Heights, NJ

Other

Credit card:

Complaint: I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-16

Gary, IN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.
Company Response: Closed with explanation

Disputed: No Timely Response