CAPITAL ONE FINANCIAL CORPORATION

2016-04-07

San Luis Obispo, CA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-07

Midland, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Jersey City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Commack, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Fairview, TX

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Irondequoit, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

League City, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Brick, NJ

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Naperville, IL

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-07

La Place, LA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Yelm, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-04-07

Bellaire, TX

Delinquent account

Credit card:

Complaint: On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

New Orleans, LA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. XXXX is showing this account " 30 days past due ''. Final payment was due in XXXX XXXX. Balance payment was made XXXX XXXX after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. XXXX, XXXX or whoever has caused my Score to drop at least XXXX points. Still good Score but it should be better.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-07

Cottleville, MO

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

CA

Billing disputes

Credit card:

Complaint: Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Mill Creek, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Rehoboth Bch, DE

Late fee

Credit card:

Complaint: Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Arnott, WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-04-06

Bellaire, TX

Closing/Cancelling account

Credit card:

Complaint: Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Danville, VA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Bend, OR

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-06

Nashua, NH

Cash advance fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Villa Rica, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response