CAPITAL ONE FINANCIAL CORPORATION

2016-05-13

Chicago, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Foothill Ranch, CA

Other

Credit card:

Complaint: capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Bedford, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Capital One Bank, Loan opened XX/XX/2008 XXXX mtg. Shortly after the loan was opened the financial crisis hit. I went past due almost right away and was charged off. I continued to work with the bank catching up on payments to avoid fcl. After catching up I asked the CSR why it still showed a charge off on my report. She told me they had a policy that I had to stay current for one year and until then it would show charge off. I argued that I could not refinance the house at a lesser rate and pay them off because of the charge off on my report. I was current buy they refused to change the rating. Time passed I went in and out of delq all along trying to sell the house. They hounded me at home and work even leaving message on my work recorder that they were going to forclose causing me quite the emb at work. I continued to try to sell the house but to no avail. I then became sick and was in the hospital for quite some time, my neighbors helped keep the house up and on the market but no one was buying. When I got out of the hospital I called them to tell them I was out and was going to begin to borrow from friends to bring current again. Two days later they filed for fcl. I get it, I kept trying to sell the house and got a bid that would pay off the XXXX and the XXXX if I came up with XXXX at closing. I told them I would be a little short at closing and they told me too bad and continued the fcl. I had to file bk to stay in the house and get another place to live. I did this, they got the house in fcl. After filing bk they sent me invoices for two years for the full amount and at the bottom it said " this is not an invoice ''. So I have asked them to change or delte the account because of their FDCPA violations, their claims they were helping people during that time and they would not even short sale the account for less then XXXX, because that even after I brought the account current they refused to change it from a charge off so I could refi at a lower rate and pay them off. Capital One went out of their way to make sure I was fcl on and evicted even when they had several chances to change the rating and allow me to refi. I have disputed this with the credit reporting agencies on 6 sep occasions and asked for documents and for them to report the first date of delq and they just respond saying " investigation complete '' without sending me a thing. I dont think a person looks at the disputes I think, just like my fcl, it is all automated. I have spoken with one attorney, not retained, and he wants me to just sue them but I feel at the end of the day despite the financial crisis, despite that homes of this value would not sell I was responsible. With that said I am not responsible for robo fcl 's or robo responses to my disputes. If the will delete the account I will go about my business if they wont I will take this to court for all it is worth. The recording of the lady telling me " I better pay up or I will be out in the street '' should be worth something in front of a Jury. Once again I only want them to delte the account nothing more and nothing less. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-13

Port Richey, FL

Billing statement

Credit card:

Complaint: The company, Kohl 's Dept Store NY is contacting my cell phone ( my cell # XXXX ) everyday at 10 times per, calling me after XXXX ... They use several phone numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Phila, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Oaklevel, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-12

Hollywood, FL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

East Rockaway, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Lakota, ND

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Aberdeen, PA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Grand Prairie, TX

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Marquette, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Coalinga, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I been receiving numerous calls from kohls to collect on past due amount owed, they call at different times with local numbers but leave a voicemail with their direct number. I been paying monthly payments of {$25.00} but i could n't catch up due to monthly late fee of {$35.00} due added every month on top of the {$25.00} not being the past due amount. They been emailing me as well collection emails which i did not consent too. I finally responded to one of the emails in regards to offering a low apr/no late fee/low montly payment which i received a couple of these telling me my options, I called on XXXX/XXXX/XXXX i received the email on XXXX/XXXX/XXXX i specificcally called on these options offered via email, the representative advised me he could n't offer me the options only a settlement i advised him i cant do the amount of the setllement i wont be getting paid till XX/XX/XXXX i will call you back if i can come with the amount. he said ok. So i called yesterday XXXX/XXXX/XXXX im told my account has been charged off and my options expired on the XXXX/XXXX/XXXX they acknowledged my call in regards to the options emailed on XXXX/XXXX/XXXX but since it 's been charged off i no longer qualify. I felt misled and false misleading information on their behalf as well with the calling with local numbers more than once a day is ridiculous when im making as best to pay them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Berkeley, NJ

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

NJ

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-11

Manassas, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Houston, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Vienna, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Marquette, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

San Francisco, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Flint, MI

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-11

Los Angeles, CA

Improper use of my credit report

Credit reporting:

Report shared with employer w/o consent
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response