CAPITAL ONE FINANCIAL CORPORATION

2016-03-23

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Oakland, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Dallas, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( XXXX ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO XXXX THIS IS CAUSING ME..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Bronx, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Braintree, MA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Glenarden, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Belott, TX

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Covington, WA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Atl, GA

Balance transfer

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-22

Itasca, IL

Payoff process

Credit card:

Complaint: This account has been paid in full but has not been reported paid in full to the credit bureaus. XXXX XXXX said the account has been updated. This is not being reported. Please Help!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Reno, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Washington, DC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Carlisle, PA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-22

Atl, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Lewiston, NY

Rewards

Credit card:

Complaint: my credit card company ( capital one ) stopped giving me reward points several months ago when i complained they said they would correct the problem but it would take a while. after waiting for a couple monts i called them again and they told me that i had exceeded the rewards maximum, i told them that there is no maximu according to their rewards agreement. i want to file a complaint against them, and get the money the owe me thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Phila, PA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Dubberly, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Gretna, LA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Lewisville, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Upon opening a joint Capital One Account for my XXXX year old son in XXXX, I opted out of Overdraft Protection by signing the appropriate paperwork. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. And at no time did my son and I ever opt in for overdraft protection. At this point it is about {$1500.00} worth. They said that we " opted in '' in XX/XX/XXXX, but have been unable to prove that point. Even if we had opted in in XX/XX/XXXX, the original wrongly charged overdrafts if they had n't been taken out of the account, there would be enough money to cover debits and therefore NO overdraft charges should be assessed in XX/XX/XXXX. I called Capital One Banking on XXXX XXXX XXXX and they reversed XXXX fees and said they would research the rest and get back to me. After five unreturned phone calls and over three hours waiting on hold and countless messages left, on XXXX XXXX, XXXX I visited Capital One on XXXX XXXX in XXXX and met with XXXX XXXX, Bank XXXX. He promised me resolution in a week. As of today there is no resolution and he is still " gathering '' documents. He also told me that it was my responsibility to check my bank statement and if something was wrong to bring it to the bank 's attention in a more timely manner. He indicated Capital One could n't be liable for something that I had n't noticed sooner.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Bancroft Hall, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This is my second complaint for Capital One 360. This is a different issue. A check written to me ( # XXXX ) for the amount of {$730.00} was reversed out of my checking account on XXXX/XXXX/16. After talking to Capital One 360 they said it was redeposited by a XXXX customer. ( as my older complain # XXXX in which i was reimbursed ). Check # XXXX is in my possession with VOID written on the front and the back of the check. There is no way that this check was deposited again at a different bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

San Jacinto, CA

Delinquent account

Credit card:

Complaint: I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Brooklyn, NY

Other

Credit card:

Complaint: Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

GA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I had a Capital One credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. Capital one agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to XXXX and XXXX. I did n't want to go to court so I set up payments with XXXX and XXXX. I do n't if that is what I owe them. I never received a letter from Capital one saying they were turning my account over. Never received statement from Capital one and never received anything from XXXX and XXXX as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
Company Response: Closed with explanation

Disputed: No Timely Response