CAPITAL ONE FINANCIAL CORPORATION

2016-03-17

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Neptune, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Modesto, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Arleta, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-17

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

2016-03-17

Stkn, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Manhattan, NY

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

2016-03-17

Simi Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Kendall, FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-16

Baychester, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Chestnut Rdg, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

South Chatham, MA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Lenoir City, TN

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-16

Durham, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Pacific City, OR

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

CA

Closing/Cancelling account

Credit card:

Complaint: I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Apple Valley, MN

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Torrance, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

DC

Billing disputes

Credit card:

Complaint: Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-16

Agua Dulce, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

Oak Park, IL

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Blountsville, IN

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-03-16

MI

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: The action of the debt collector is on a expired statute of limitation greater than 6 years old. The debt collector acts as fourth party to collect debt, originally XXXX, then Capital One ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX , XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector XXXX XXXX XXXX XXXX seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

DC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response