CAPITAL ONE FINANCIAL CORPORATION

2016-04-04

Gardnerville, NV

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Omaha, NE

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Las Vegas, NV

Credit card protection / Debt protection

Credit card:

Complaint: Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Mountain View, OK

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

NC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Tarzana, CA

Other

Credit card:

Complaint: I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. I learned this is called skip tracing and is illegal. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-03

Erwinna, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-03

Ardsley, PA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-03

Lynchburg, VA

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-03

NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I lost my credit card with capital one and reported the fraud to them they told me they would hold the merchants responsible when I spoke to a representive that called me on XXXX/XXXX/2016 as of XXXX XXXX 2016 all the charges that were fraudulent we put back on my card now I have a balance of XXXX and change and when I spoke to a supervisor today they told me that they ca n't add the charges to the fraud report and to make payments on it first of all I 'm not going to pay for fraud and second I have XXXX different credit cards with capitalone and my savings and checking account they I was treated was horrible no one would help me and I was told to pay for fraud charges
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-03

Atl, GA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-02

Charlotte, NC

Other

Credit card:

Complaint: I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-02

Fairlawn, VA

Payoff process

Credit card:

Complaint: I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX, 2016, I paid XXXX XXXX {$680.00} of the {$970.00} balance, Capital One in XXXX 2016, started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}, they will continue to report and try to collect the amount, I forward Capital One the letter I received from XXXX XXXX stating the debt was paid through a settlement with a XXXX balance. Capital One said the paper did not reflect what I owed them. I told them that XXXX XXXX was acting on their behalf. I contacted XXXX XXXX and asked if they had sent over the arrangement that we agreed upon. He replied yes and that the account was paid in full and that he would contact Capital One. I waited a week and contacted Capital One. I was told that I still owe the {$290.00} and it would be reported until it was paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Brkn Arw, OK

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Buena Park, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Atl, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Brooklyn, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Suffolk, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Marietta, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-01

Groton, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Fort Lee, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: In the XX/XX/XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime. XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime. XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Jupiter, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: Please refer to reference number XXXX. To date I have received nothing in the way of a refund from XXXX XXXX XXXX. After due consideration it occurs to me that Capital One Bank is complicit in the failure of my attempts to get my money refunded. It has now been over a year that I am out the money. I contracted with XXXX XXXX XXXX. My credit card payment was made to a company that I never heard of : XXXX XXXX XXXX. I had Capital One stop the payment which they did. The following month they played judge and jury and awarded the money again to XXXX XXXX XXXX. XXXX XXXX XXXX never provided me with the documents to dispose of my time share condo, but they told me that they would cancel the contract. Consequently I believe that perhaps it is Capital One Bank that owesme the refund and then they can debit Way to Go Travel themselves.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Livingston, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

GA

Transaction issue

Credit card:

Complaint: I disputed charges on my credit card XX/XX/XXXX with Capital One. It appeared my credit card information was stolen as there were almost {$1100.00} in charges that I had never seen before in a period of two hours on one day. I notified Capital One and spoke to XXXX different people confirming the matter. I was advised I would not be charged for it and the charges would come off my card. They did and a new credit card with a new credit card number was sent to me. The case was then closed. Fast forward to XXXX/XXXX/XXXX and I received adjustments on my new card of over {$1100.00} for those same charges!!! I called as soon as I saw that and after XXXX minutes and no less than XXXX representatives, I got nowhere. I received XXXX different answers and a promise that a manager would call me to resolve this by the next day. No one called. I then tried resolving via online chat to no avail. That rep told me managers do not call customers ... I demanded to speak to their manager via chat who was of NO help. He refused to give me their legal department 's contact information and told me I have to call in ( again ). I told him repeatedly that I do NOT have time to waste another 40+ minutes for their mistake in which they are now reporting that balance to the credit reporting agencies. He would not assist and kept repeating I must call in. I made it very clear I was going to resort to a complaint with the CFPB as I can not repay {$1100.00} that I do not have. I am a XXXX person with medical bills that must be paid or I die. I am devastated by all of this and just want it resolved. Capital One will NOT address the matter. They claim a letter was mailed ... I never got a letter. They will not resolve via phone ... I keep getting transferred or told I need to call back or placed on hold for large periods of time. Please help me. I do n't know what to do at this point.
Company Response: Closed with explanation

Disputed: No Timely Response