CAPITAL ONE FINANCIAL CORPORATION

2016-03-16

Fresno, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Houston, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-16

Camp Rogers, GA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. Thank You, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Manhattan, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Wheeling, IL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Princeton, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Menlo Park, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Bristol, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Rockingham, NC

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

Santa Ysabel, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. The company called using a XXXX number. I noticed I had previously received calls from this number for a week or so. I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. When I answered this person very friendly and did not identify who she was until a little further into the conversation. After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. I closed that checking account and opened a new one. I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. Is there anything else they can do to me because I closed that checking account? They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Occoquan, VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: From XXXX XXXX, 2016 thru XXXX XXXX, there were XXXX fraudulent charges/transactions using my Capitol One Visa Business account in the amount of {$19000.00}. All charges originated from XXXX XXXX XXXX in CA. No one from the Capital One Security or Fraud unit thought anything unusual about these XXXX transactions (!!!!! ), although the balance on my account was never higher than {$500.00}, and was paid in full monthly! I immediately called Capital One on XXXX XXXX, 2016 after receiving a phone call from XXXX asking if I had purchased a gift card online for {$100.00}. THEY ( XXXX ) recommended I contact the Capital One people to report fraud. How is it a potential charge of {$100.00} activated an alert from XXXX to contact me, but XXXX charges to XXXX company in the amount of over {$19000.00} did not alert Capital One fraud or Security! These people need to be held responsible for their lack of attention to abnormal activity on customer accounts! All I received is " wow, we 're really sorry. How did that happen? You of course are not responsible for these charges, but Wow! You must have fallen thru the cracks ''. This attitude does not leave me with any sense of security from Capital One. I have been issued a new card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Deer Park, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Darnestown, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

Plano, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Detroit, MI

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

Gastonia, NC

Other fee

Credit card:

Complaint: CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. The customer service agents can not tell me what its for, or what benefits it provides. I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Ft Lauderdale, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX # XXXX This is the response I received from you and there was NO attachment. The case has NOT been settled, however I did speak with XXXX from the executive offices of Capital One XXXX XXXX pin XXXX. She is supposed to get back to me the end of this week. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ). The OMB control number for this collection is XXXX, expires XXXX/XXXX/2018. Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Bayway, NJ

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I have been making numerous attempts to have Capital One validate this account that 's on my credit report. Every time I send them a letter of validation I receive generic and automated responses via postal mail. This account is reporting erroneous information and I want it removed from my credit report due to lack of validation as stated in the Fair Credit Reporting Act section 609 ( c ) ( 2 ) ( e ) and 611 ( a ) ( 5 ). Since the CRA 's along with Capital One can not validate this account it must be removed but neither parties involved are following the federal laws that are put in place.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-14

Stewart, AL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Casselberry, FL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Airmont, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-14

E Fairfield, VT

Cash advance fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-14

Forest Heights, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Stkn, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Philatelic Center, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I had a car loan from capital one auto that was charged off in early XXXX. I entered in a settlement agreement in late XXXX to payoff {$2500.00} at {$150.00} a month. Capital one auto never updated my credit file with any of XXXX reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they would not. Finally, i told them that i could no longer pay and they immediately reported my charged off account as 'delinquent '. They would not report a positive status but wasted no time in reporting a negative update which has harshly impacted my credit. This is a predatory practice and they should be sanctioned.
Company Response: Closed with explanation

Disputed: No Timely Response