CAPITAL ONE FINANCIAL CORPORATION

2016-03-04

Los Angeles, CA

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-04

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I was recently sued by XXXX XXXX for a fraudulent debt that was sold from Capital One XXXX. After being contacted by XXXX XXXX about the debt I disputed the debt, and asked for proof. My letters went ignored, but XXXX XXXX managed to get a default judgement from this debt even after I answered the summon and complaint. I Contacted Capital One / XXXX which is who sold this debt to XXXX XXXX XXXX and was told this debt had changed hands at least three times. Capital One stated they acquired the debt from XXXX XXXX XXXX and that it was closed when it came over to them which was opened XXXX/XXXX/XXXX with a credit limit of {$5900.00} and that they sold this closed debt to XXXX Bank on XXXX/XXXX/XXXX. I was also told that a payment of {$5700.00} was applied to this debt on XXXX/XXXX/XXXX. According to my credit report XXXX XXXX XXXX XXXX reported this debt to be opened on XXXX/XXXX/XXXX with a credit limit of {$5900.00}, but shows that {$8100.00} was charged off. XXXX XXXX XXXX XXXX 's shows on my credit report the last date of payment to be XX/XX/XXXX, and the date of the first delinquency to be XXXX XXXX. I find it odd that Capital One / XXXX 's sold this closed debt on XXXX/XXXX/XXXX and XXXX Bank reports it as being open with them on XXXX/XXXX/XXXX but yet Capital One / Parisian 's shows a payment made to the debt in the amount of {$5700.00}. I provided XXXX XXXX XXXX XXXX 's a fraud affidavit along with a police report because this account is fraudulent. XXXX XXXX 's stated that they investigated and found that the account did belong to me and that I owed the debt, and had a representative to swear under oath that I owed the amount of {$8100.00}. XXXX XXXX XXXX XXXX 's acquired this closed debt from Capital One / XXXX which they acquired the debt from XXXX. XXXX does not have any record of my information and has instructed me to contact the correspondence department to get this in writing. XXXX XXXX has made false statements that they investigated when in fact they had no validation of this debt because it was transferred. XXXX XXXX XXXX hired an unethical debt collector XXXX XXXX XXXX XXXX XXXX , and has taken money from me by force on a debt they could not validate. I am going to make this known to the state attorney general 's office because this has got to be rectified.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Shulerville, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On or about XXXX, 2015, I was notified that there could potentially be fraudulent activity on XXXX of my capital one credit card accounts. At that time, I spoke with a representative and confirmed that it was fraudulent and a case was opened for both accounts. To date, I have been unable to reach the representative handling my case and I am told every time that I call that I must speak with her and then I am transferred to her voicemail and I never receive a call back. The fraudulent charges have not been removed from my account. I refuse to make a payment for charges that are not mine and Capital One is continuing to charge interest and late fees on both accounts, in addition, these charges exceeded my credit limit by twice the amount and now Capital One is reporting this information to the Credit Bureau and it is ruining my credit because it is showing my payments are late and that I am over the limit on both credit cards. I 've reported this information to the company and yet they refuse to remove it and offer no solution.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Wayland, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Albuquerque, NM

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Got a call from a collection company saying i owed over XXXX dollars on a credit card i have never had
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

York, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-04

Huntingtn Bch, CA

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-04

Chester, VA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-04

Tubac, AZ

Other

Credit card:

Complaint: This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. The account was charged off in XX/XX/XXXX in the amount {$1900.00}. ( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. ( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Milwaukee, WI

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Tubac, AZ

Other

Credit card:

Complaint: This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-03

Lansing, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Lynchburg, VA

Fraud or scam

Other financial service: Refund anticipation check

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-03

Cadwell, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Wallington, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Crete, IL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

San Mateo, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Rockville, MD

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Grosse Ile, MI

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Glendale, CO

Closing/Cancelling account

Credit card:

Complaint: I recently took out a capitol one venture card. Within 3 day of actually having the card in my possession, capitol one put the card on fraud alert. To resolve the issue they asked me to upload a copy of my social security card and drivers license ( front and back ) to a capitol one 'secure ' portal. The representative I spoke with stated capitol one gladly accepts screen shots, as though my social security card and drivers license are funny text messages I am trying to send to my XXXX XXXX XXXX nephew. I did this and the next day I received a phone call from a capitol one representative starting that if I wanted the fraud hold to be removed so that I could pay the balance on the card, I would have to go into my own personal bank and do something she referred to as a 'verbal verification '. For this verbal verification I went to my personal bank, called capitol one, and let them speak with a representative at my bank on my phone. The bank representative then gave the capitol one representative a phone number to call, at which point they ended the call on my phone and the capitol one agent called the bank representative at the number given to them. They asked the bank to confirm that I had a state authorized drivers license and to confirm that it was in fact me on the state authorized drivers license. I sent them a legitimate copy of my social security card and drivers license to capitol one under the pretense that this would resolve the problem. It eludes me at to why this was n't enough information. But to add insult to injury, the only way that crapitol one will allow me to pay off the balance remaining on the credit card is by giving them the account number to my account at my personal bank. Through all of this, every crapitol XXXX representative I 've spoken with has literally sounded like a character in the movie 'straight out of Compton ' with extremely bad grammar and interpersonal skills. I have very good credit primarily because I am graduate student with virtually no credit. The fact that the company has taken me through the ringer for a card I had for three days is astounding considering my ex felon of a fiance has XXXX capitol one cards with no issues what-so-ever. I truly believed that what happened with capitol one was n't at all for my best interest but rather unnecessary red tape set up to cover their own XXXX. Building credit to live the American dream should NOT be this difficult. I will more than likely give capitol one my account number inform my bank and put a lock on my credit. But the fact that I have to take such measures to assure that capitol one and their wonderful customer service reps do n't truly XXXX me over is discouraging to say the least and goes against all that it beautiful and consumerist in this great nation. Maybe some day when I am PhD drowning in student loan debt curing XXXX to keep the wealthy CEO 's of capitol one forever young, I will be able to laugh at how ridiculous this whole situation was. I hope, however, that swift justice will be delivered to drains on our national economy like capitol one well before any of this ever happens.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-03

Ellis Island, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Greenbelt, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Allenwood, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-03

Burkburnett, TX

Transaction issue

Credit card:

Complaint: rec e mail my pymt was return from the bank, my cr union said that capt one never took the money out.
Company Response: Closed with explanation

Disputed: No Timely Response