CAPITAL ONE FINANCIAL CORPORATION

2016-04-01

Tucson, AZ

Delinquent account

Credit card:

Complaint: I was XXXX for a few months and unable to make payments on my credit cards with Capital One. I returned home an dchecked my email and had a notice threatening legal action by Capital One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Mahanoy Plane, PA

Bankruptcy

Credit card:

Complaint: Received XXXX forms dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Both debts were included in a bankruptcy which was discharged on XXXX/XXXX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-01

Las Vegas, NV

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them {$1100.00} and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to XXXX he is saying that the dollar amount is from a final payoff and the initial documentation they gave me said it was from the cost of the sale of the car to auction. The dollar amounts are the exact dollar amount. It is clear that they are confused. I asked him to show me mathematical equation used to determine that dollar amount and he was n't able to provide that dollar amount. Collectively we tried to figure out the dollar amount using a simple interest formula but the amounts do not add up. After several failed attempts of trying to prove to me the dollar amount, XXXX just stopped taking my calls and stopped returning my voicemails. In response to my dispute, they are continuously verifying my dispute with all XXXX of the bureaus without legally verifying the said dollar amount. I have tried to resolve this issue with them for many months now and now they have given up and instead of trying to help me as a consumer they are avoiding me, illegally verifying information on my credit report, and not addressing or responding to any of my inquiries. I have mailed them certified mailing that they have failed to respond to and have yet removed this account from my credit reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

Baileys Crossroads, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-31

Baltimore, MD

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-31

Hobart, IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

Waterford, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Birmingham, AL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Doral, FL

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Doral, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Flushing, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

MI

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX / XXXX XXXX : Loan # XXXX Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, XXXX, verbally accepted this program immediately ( XXXX XXXX, XXXX ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the XXXX of the month beginning XX/XX/XXXX through XXXX XXXX, XXXX in the amount of {$730.00}. My husband and I agreed to this and complied with their request. Thus far, we have wired 2 payments on time with the third being due XXXX XXXX, XXXX. In the meantime Capital Bank sent a letter to us stating that there were XXXX liens against the property from The XXXX XXXX XXXX XXXX. The XXXX lien being in XX/XX/XXXX in the amount of {$50.00} and the XXXX lien being in XX/XX/XXXX in the amount of {$2900.00} again from The XXXX XXXX XXXX XXXX XXXX. First of all my husband and I were not born as of XX/XX/XXXX and in XX/XX/XXXX we were XXXX year old. Capital Bank refers to our residence which did n't exist back in the above dates rather was built in XX/XX/XXXX. The property ( XXXX XXXX XXXX, XXXX, New Jersey XXXX ) was left to us via inheritence in XX/XX/XXXX. At that time there were no liens on this property. Furthermore, in XX/XX/XXXX we borrowed {$200000.00} from ING Bank and the liens did not appear at that time either. We have been informed that ING Bank was bought by Capital One Bank. Capital One has put my husband and I back into foreclosure and is preparing to take our residence away due to these liens. It was not the mortgage we were behind on rather the property tax. The taxes were to be included with our mortgage modification and that is what we are now paying on the mortgage including taxes. We have had several hardships in the past three years. First of all, we owned a XXXX family dwelling next door to our property which we collected approximately {$60000.00} in rent a year. Unfortunately, XXXX of the tenants in XX/XX/XXXX started a fire with a faulty electric heater and burned the XXXX-family down to the ground. Since then we have lost our income in rents, and the building. Secondly, I, XXXX XXXX XXXX had a serious fall XX/XX/XXXX and was in XXXX and hospitals to XX/XX/XXXX as I XXXX. XXXX. This put my XXXX on hold for 2 months in which I lost almost 3 months of work recovering. Obviously this made us fall behind financially. My XXXX is a XXXX person office and was closed this length of time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

Ashburn, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Charlotte, NC

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

Hartford City, IN

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-03-30

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Lake Worth, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Centertown, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Chicago, IL

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-30

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

MS

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My card was stolen XX/XX/XXXX, once i realized it was stolen i immediately called and canceled. i received several emails from capital one stating that if it was not me please contact the. Contacted capital one, they began investigation XXXX XXXX, XXXX. Since the investigation, I 've continuously called to get updated. Since XXXX XXXX, XXXX i have contacted them at least 7 times. I spoke with rep on XXXX XXXX, XXXX that said i would have funds available in 48hrs. still did not have any available the next XXXX reps after were not helpful at all, continued to tell me that there was nothing they could do, i had to wait until investigation was complete. My biggest issue is that i am a customer and you should n't let the customer go a month without funds or trying to help them out in any way. i have a payment due XXXX XXXX, XXXX and they are going to want there money, no excuse. if not paid i will get late charges etc. This has really inconvenienced me in everyway because they denied my credit increase due to the fraudlent activities, i could not purchase XXXX gifts, since the investigation i have n't had any funds or any real sympathy. this was my last option to contact you guys. so if there could be anything done i would greatly appreciate it. ( orignal statement sent to XXXX ) Capital one has refused to settle with me, i asked for a settlement of {$4500.00} dollars after investigation took longer than the time given to me. Also since then i experienced financial hardship which forced my wells fargo account to overdraft and owe a {$1200.00} balance. I had to borrow money from family members which i soon have to pay back in total of {$2000.00}. Capital one has been handling the case in a unprofessional manner, its takes weeks to get response from them, they did not offer anything to me while the investigation was going on with the fraud claim. I did not use card in over 3 months and they still are asking that i pay them along with fees that were associated with all transaction that were made. Every time i called no one could give me answers they always said " XXXX temporary funds will be available on your card in 48hrs ''. Capital one is not the business to use, my card was stolen, used by someone to purchase numerous transactions and nothing was done for me. I feel used by the company and there are several reviews of things happening to other customers. XXXX XXXX of XXXX has been very helpful with assisting me. Since the business has failed me i have been in contact with my local court to file a small claims suit against them for failure to settle. So i am reaching out to you guys to see if you could reach out to them, i was recommended to you by XXXX XXXX XXXX on behalf of XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-30

West Newfield, ME

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

San Jacinto, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. Respectfuly, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Energy Center, LA

Managing, opening, or closing account

Prepaid card: General purpose card

Complaint: I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.
Company Response: Closed with explanation

Disputed: No Timely Response