CAPITAL ONE FINANCIAL CORPORATION

2016-04-06

Pleasant Valley, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-06

Mount Dora, FL

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Austin, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Ashburn, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Sharon, MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-04-06

30th Street Train Station, PA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Nyc, NY

Billing disputes

Credit card:

Complaint: I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Cheverly, MD

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was a member of Capital One bank since XXXX. When I open my account it was Rewards checking. I had no issues until XXXX. In XXXX XXXX, my account changed to VIP interest because Capital one did away with Rewards checking. For some reason, my account was compromised and they had to close the account and open another one. A check was deposit for {$40.00} from creditproshield. Which this company do n't even exist and had the wrong address. For almost 8 years, I never any issues with my account being compromised by check. So because this happen they had to close my account. When they closed the account I had to change all my ach. However, the account was lock and I could not stop bill pay. Capital one did n't stop the bill pay. The bill pays was to Unemployment and all was returned and I received fees from Unemployment. I am also in the process of possible being prosecuted for fraud if I do n't pay the fees. They open up another account which was essential checking. I had so many issues with this account. But the main issue came in XXXX XXXX XXXX XXXX, XXXX, I deposit a check for {$1300.00} from my XXXX account XXXX It was kicked back because my money in the XXXX account did n't clear yet. However, I had a payroll deposit of {$3200.00}. So Capital One received money from that deposit. However, I notice they returned XXXX of my transactions. I did not receive an email or anything. When I contacted customer service I spoke with a Manager name XXXX XXXX XXXX ) and she told me Capital One the right to do what they want with my account. But I never had this issues before with items being returned. On XXXX, I deposit a check for {$1100.00} and received an email it would be deposited on XXXX. The next day I notice the deposit disappeared. I went into the branch at XXXX XXXX and spoke with XXXX XXXX. She contacted the fraud department because my account was on hold. She spoke with XXXX in the Fraud Department and he informed her that they did not accept my deposit for {$1100.00}. Also my account was under investigation for fraud and I could only put cash in the account. I had took the {$1100.00} dollars out of XXXX and had the cash. So he informed her whatever I put in the account I could not get anything out. So I only put {$600.00} what was owed until the investigation was done. He informed her someone will be contacting me on XXXX. Also all my ach will be kicked back and I can only make cash deposits. On XXXX, I. checked my account and I notice Capital one had deposit the check for {$1100.00}. When I was informed they was not going to accept that deposit. So when they try to get the money it would not be there because I got the cash on XXXX. Which I was informed to do by fraud department. On XXXX, I went back up to the bank and spoke with XXXX XXXX and she contacted the fraud department again. She asked them why was the check deposit when they informed her it was n't. She spoke wit Deforeft and he said that there was no notes. He also informed me because I took the phone. That I was not assign to an investigator. I asked him to have all calls pulled. Because I do not want it to look like I am lying. I called the fraud department a couple days later spoke with XXXX and she informed me that XXXX did not say none of the stuff above. I asked to speak with a supervisor and she said someone will call me back. A couple days later XXXX called and close my account. I called back and spoke with XXXX and she was nasty told me I had to pay my balance. I asked what happen with them pulling the calls. She told me my account was closed and nothing else could be done.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-06

Howard Beach, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

York, PA

Delinquent account

Credit card:

Complaint: Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

Box Canyon, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Omaha, NE

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Harleysville, PA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Merrick, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

Hillsdale, NJ

Billing disputes

Credit card:

Complaint: Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Key Biscayne, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Credit Card was opened under my name when i was fourteen years old. The information does n't match.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Strasburg, VA

Other

Credit card:

Complaint: I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-05

NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Greenwood, CA

Other

Credit card:

Complaint: Reported a factual error to XXXX, XXXX and XXXX credit bureaus. Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX They filed a hard inquiry without my consent or request for credit from them or any of their affiliates. This was a fraudulent attempt to access my credit records. As well as fraud from the credit requestor and reported as such.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-05

Casa Blanca, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

NY

Closing/Cancelling account

Credit card:

Complaint: I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 4. Restore my internet access to the account. This is important to me as I currently live XXXX. Please respond to me at ( left out ). Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. -- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

Effingham, KS

APR or interest rate

Credit card:

Complaint: I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Rockaway Beach, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Clair Mel, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response