CAPITAL ONE FINANCIAL CORPORATION

2016-03-14

Federal Way, WA

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-14

Magnolia, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I was XXXX for this credit card and Capital One is still listing on my credit file as they are collecting which is a violation of my rights. I have disputed this with not even a response. Please help this is not right.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Knoxville, TN

Other

Credit card:

Complaint: Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

OH

Delinquent account

Credit card:

Complaint: I signed up for a Capital One card in XX/XX/XXXX. The interest on the card was unmanageable, and after making $ XXXX/month payments that did nothing to reduce what I owed, I stopped making payments in XX/XX/XXXX or XX/XX/XXXX. I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In XX/XX/XXXX, while in college at XXXX, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. That was in XX/XX/XXXX, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me. 11 years later XX/XX/XXXX, I was sent a notice of wage garnishment. They are now attempting to collect over {$3000.00} from me. In the 3 weeks since receiving that notification, I have also received XXXX different Capital One credit card offers. I make $ XXXX/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a XXXX room apartment. Despite all of this, Capital One is taking {$170.00} out of each check ; that 's {$350.00} a month. I can no longer afford to pay basic bills. Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Snellville, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Everett, WA

Customer service / Customer relations

Credit card:

Complaint: I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Brooklyn, NY

Other

Credit card:

Complaint: I have been receiving credit card offers for my XXXX year old daughter. I called Capital One and asked them to please stop sending the applications several times. they continue to send the applications to my daugther.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Newnan, GA

APR or interest rate

Credit card:

Complaint: Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-13

Elmhurst, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-13

Melbourne, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-13

Macclenny, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX XXXX XXXX has purchased from HSBC credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates HSBC was sent funds agreed to to settle the debt, and then sent the debt to XXXX who failed to notify or to confirm the debt in the Required time allowed by law. In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-13

Phoenix, AZ

Credit card protection / Debt protection

Credit card:

Complaint: Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-13

San Antonio, TX

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: XXXX contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-13

Lynchburg, VA

Privacy

Credit card:

Complaint: There is illicit financial flow. I suspect hidden transaction. Fraudsters advanced. I am still there. That is very unfair.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-12

Corona, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-12

AR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: hi my name is XXXX XXXX, and I have been a customer of capital one for over a year, I had my identity stolen, and I reported this to my local police department. After viewing my capital one statements, I noticed alot of fraudulent charges were on both of my credit cards that I hold with CAPITAL one, so I called to report these numerous of transactions, I was told bye Capital One team members, that they would do an Investitation, for 30 days and they would then refund me my funds, however they only refunded a few fraudulent charges per card, after calling them numerous of times, But still they have not refunded me for all fraudulent charges, but they advertising zero fraud libility, this is false advertising, however Capital One changed my credit cards numerous times after the fradulent activities had already taken place. This is totally not fair to me as their customer, to continue to pay for these fradulent charges.Everytime I contacted them about these charges, they told me that they would have a team member of their management to contact me, but unfortunately no one never called me to resolve this matter I am very upset with them, I am XXXX, and is not able to keep paying these fradulent charges. I continues to make my monthly payment to them on time, so it would n't damage my credit anymore than it has already.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Tucson, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Lenzburg, IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX XXXX, XXXX The information below is the same information that I have furnished to a XXXX law Firm for possible litigation against Capital One NA and Transunion. I feel that the CFPB should be aware of these illegal practices of Capital One N.A., and take action to see that they are not allowed to do this to other consumers. Please do your job! I had an unsecured installment account with Capital One, while living in XXXX, opened on XXXX/XXXX/XXXX. I moved to XXXX on XXXX. I filed Chap XXXX BK in XXXX, on XX/XX/XXXX. This debt was listed in the BK. Cap One charged off the debt on XXXX/XXXX/XXXX. Last payment made to Cap One was on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX XXXX. Cap One has reported the debt as charged off/sold to another Lender, {$0.00} ( XXXX ) balance, ever since it was charged off. XXXX XXXX then reported the debt as theirs with a balance of {$5500.00} ( XXXX dollar more than the charge-off amount ), and is still reporting this same information. My Chap XXXX was dismissed on XXXX/XXXX/XXXX due to documents not provided by my attorney to the BK Trustee, after I had paid into the BK for almost a year. The credit bureaus have reported this same information up until this month, XXXX/XXXX/XXXX. This is a time-barred debt that is scheduled to fall completely off my credit report in 5 more months ( XX/XX/XXXX ). Yesterday, XXXX/XXXX/XXXX, I discovered that Capital One has re- reported this debt, as a valid, new debt, to the XXXX CRA 's, with a balance of {$5500.00}. I disputed this with XXXX and also with Cap One by phone, yesterday ( XXXX/XXXX/XXXX ). It appears they ( Cap One ) did this on XXXX/XXXX/XXXX. Cap One says I CURRENTLY owe them {$5500.00}, and is reporting this to XXXX and XXXX. XXXX XXXX is ALSO reporting that I owe them {$5500.00}. I believe that Cap One re-reported and re-aged this debt willfully, and maliciously. I have contacted a consumer attorney about a lawsuit. This dropped my XXXX credit score by XXXX points, putting my score at XXXX, just below the threshold for a pre-approved VA loan that I have recently applied for, and was pre-approved for, a month and a half ago. The VA threshold is XXXX. Now, I can not purchase the house that we are looking at, because my score has dropped, and I no longer qualify. I believe this was done maliciously, and illegally ( violates the FCRA ), by Cap One, to damage my credit rating, and to coerce me to pay this time-barred debt, which they charged off and sold to XXXX XXXX. I am XXXX years old and retired now, living on a fixed income, so I am looking for information on suing on a contingency basis. My wife and I have suffered enough for the last 7 years and I would like to sue Cap One ( Federally, if possible ) and/or Transunion, for violations of the FCRA. I have been XXXX long years waiting for my score to come back so we can qualify for this loan. Now, that we have finally reached our goal, our legs have been knocked out from under us, forcing us to continue to rent and robbing us of the right to, once again, own a home of our own. I am sick of these people and their underhanded tactics. In addition to this, XXXX XXXX is reporting this same debt monthly to the CB, so that this 7 year old debt appears to be new debt. This has caused damage to my credit and credit score for the last 6 years.I will NEVER pay this debt. Do you think I have a case? I am also going to report them to the CFPB, but I am not sure they will do anything other than a slap on the wrist of Cap One. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have filed a previous complaint against Capitol One Bank for garnishing wages for an account they deemed was fraudulent. Capital One garnished a wage total of {$4600.00} from my work check bi-weekly. The previous complain I filed with your agency was for {$3000.00}. They sent me a check I received on XXXX/XXXX/2016 for that amount. I disputed this amount on XXXX XXXX, 2016 for the amount I am entitled too. Total reimbursement is only the acceptable resolution. Note I also had missed worked for meetings with the commissioner they summons me for, certified mail reimbursement, fuel, lost wages, time in proving this fraud case. In the dispute thru your agency. I need {$5000.00} to make this right. I could get more but this would suffice and is, m ore then reasonable. Please refer to the documents I attached to thee dispute. The CFPB # XXXX. I am attaching the check I received as proof that I was not reimbursed rightfully. I will be expecting a check within the 7 business days. As of now I am not charging interest but if this is not resolved quickly I will have to start.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-11

Washington, DC

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Hilltop Mall, CA

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Bolingbrook, IL

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-11

Chattanooga, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Warrenton, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response