CAPITAL ONE FINANCIAL CORPORATION

2016-03-30

Lenzburg, IL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

CT

Billing disputes

Credit card:

Complaint: On XX/XX/2016 received a demand letter for a delinquent account that I never had.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Madison Park, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Concord, NC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-29

Rehoboth Bch, DE

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-29

Brown Deer, WI

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Jamaica, NY

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Lebanon, IN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Chicago, IL

Closing/Cancelling account

Credit card:

Complaint: On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. I requested all funds be returned to my credit union account. It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. I will try calling them one more time then seek legal assistance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-29

Watkins, CO

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX, XXXX I paid off all my revolving debt through a HELOC loan with my bank, XXXX of Colorado. XXXX sent letters along with the payoff funds to each company asking for " any documents of title, properly endorsed and released and any security agreements to be released or terminated and any note or credit agreement marked paid or cancelled '', this clearly means to close the account upon receipt of these funds. Kohl 's did not close my account per the request unbeknownst to me. As I had just had my credit report pulled for my loan I could not check it again, post loan, to see if anyone was still reporting on my credit without hurting my credit score. Last night, XXXX XXXX, XXXX Kohl 's sent me a new credit card in the mail that I did not apply for, so I knew my account had not been closed as the letter in XX/XX/XXXX had instructed them to do. I called them today, XXXX XXXX, XXXX to ask for account closure and a credit correction to the XXXX credit bureaus as they have been reporting on my credit report in error for the last 7 months and affecting my credit score. They have refused to help me and have taken the position that the letter did not ask them to close the account and the bank can not request a closure on my behalf, I have to request it. I explained to them that is why the letter has my signature on it, this shows that this was my request. They refuse to correct my credit report. I should not be penalized and have my credit score affected, as I am trying very hard to improve my score and be very smart about my credit worthiness simply because they can not decipher a letter of this nature requesting closure of an account. Having this revolving credit as a trade line on my report is hurting my score and has for the last 7 months, while I thought my score was improving and this should have been removed in XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Occoquan, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-29

Northside, NC

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/2016 ( see attached ) I paid the remaining balance of XXXX Capital One Bank credit cards and closed XXXX accounts using the telephone method. The amounts paid were {$1500.00} and {$1200.00} ( see attached ) and I received an email confirmation of these transactions. On XXXX/XXXX/2016, charges/fees appeared on each account ; XXXX for {$25.00} and {$22.00} ( see attached ). Since I requested payoff amounts on each account, there was no need to charge me interest 24 hours following closure of the accounts.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-28

Phoenix, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Newport, TN

Closing/Cancelling account

Credit card:

Complaint: I opened a CapitalOne XXXX XXXX in XXXX. CapitalOne claimed fraudulent activity and put a restriction on the account. Since CapitalOne did not have sense to change the account and send a replacement like other reputable credit card companies, I requested this myself. The account was changed but I never received the replacement card. CapitalOne 's " customer service '' is horrific and I wrote several letters with no response, i.e., XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I have never had a late payment and my balance was well below the credit limit when I called on XXXX/XXXX/XXXX and was transferred to the fraud department. I lost the phone connection while on a long hold with a woman claiming to be a supervisor. Thereafter, I received a call from XXXX from a monster of man who repeatedly refused to give his name. He falsely claimed I was supposed to give the source of deposits in XXXX. This is ridiculous, there were no deposits and this a credit card, not a bank account. No request for a source of any kind was ever made. This monster then said then he was closing the account and I would receive a letter with no reason given for the closing account. The letter dated the same the same day, XXXX is also nameless and does not give a specific reason for closing the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-28

Dallas, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-28

Milwaukee, WI

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-28

NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Cheverly, MD

Billing statement

Credit card:

Complaint: Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

Tampa, FL

Advertising and marketing

Credit card:

Complaint: Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-27

Lynchburg, VA

Unexpected/Other fees

Other financial service: Refund anticipation check

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-26

Burbank, CA

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-26

Tampa, FL

Billing disputes

Credit card:

Complaint: Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-25

Fort Lauderdale, FL

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response