CAPITAL ONE FINANCIAL CORPORATION

2016-03-01

Missouri City, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Wattenburg, CO

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Fair Oaks, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Dubberly, LA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Fullerton, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

South Florida, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Bellaire, TX

Delinquent account

Credit card:

Complaint: I am trying to settle an old charged off account. I received a response from Capital One stating that if I removed the " cease and desist '' from my account that I could then be offered a settlement. I called Capital One today XXXX/XXXX/16 and asked that they remove the " Cease and desist '' from my account as instructed. I then read the letter to them and told them that I wanted to settle on my account and wanted to know what sort of settlement offer they had for me. They told me that because my account had been XXXX that they could not do a settlement. This is not fair, this is not what I was told in the letter from Capital One on XXXX/XXXX/16. I then tried to call the number for XXXX XXXX that was written in the letter, however that was an incorrect number. Who can I contact to settle this account? Please help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-01

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Church Point, LA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Oxford, GA

Other fee

Credit card:

Complaint: Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Fairfield, CA

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

2016-03-01

Georgetown, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: On XXXX XXXX XXXX I received a lawsuit notice from my county that I was being sued by Capital One Bank for {$2300.00}. I was shocked about this because I sent multiple letters to Capital One that the debt was not mine and asked them to validate the debt they say I owe or stop contacting me. Only response I did get was letters saying that I had applied for credit online and I owe the money from XX/XX/XXXX. No copy of a contract with my signature and I have never had an account with Capital One or any type of credit cards with them. Even if you pull up my credit report Capital One is no where to be found. I decided to fight the allegations because I never received credit from this bank and they never showed any proof that I owed them this money. I thought it would be an easy case and the judge would make them show proof that I owe them. I asked the courts to have Capital One show proof by requesting contract with my signature or any docs showing I owe the alleged debt but I was denied anything showing this, judge even denied my discovery request that I asked them to show any evidence of anything about the debt, even some type of agreement. Capital One does not have anything other than some old statements from another company which is a third party company that anyone could have created. I asked Capital One to show where they may have received an assignment for this debt from third party but there was nothing showing this either other than an affidavit that said I owed the debt from some rep that works for Capital One. This is hearsay but courts granted Capital One a judgement even though they did not proof or have any evidence that I even own the debt. I have denied that I owed the debt since XX/XX/XXXX and no one from Capital One has sent me anything showing that I borrowed money or received any credit from them. They keep pushing that I owe this money but I have stated several times this debt is not mine and if it is please show proof. Within our court hearing the attorney that represents Capital One even stated they do not have any records other than the statements and the debt was purchased bulk with other debt accounts. They can not confirm that this debt belongs to me. They are just going after me due to old statements that they received when purchasing bulk debt. Not sure how you can say I owe something when you do n't have any type of agreement that says I will pay or I owe this money to you. The judgement was granted for Capital One to move forward with the collection of debt but I think my case was not handled fairly or even given due process. How can you grant someone money but the party that is suing for the funds do not have anything showing they have the right to collect. Capital One came from nowhere and just stated I owe the debt without evidence. They keep ignoring my request to show an agreement, assignment, contract, correct balance and it seems like the courts are working with them to collect this debt that is not mine. Not sure what else I can do other than to complain to CFPB due to Capital One continuing an attempt to collect a debt that I do not owe. Never had an account with Capital One and they ca n't even show that I had an account with them, where I made payments with them or even signed an agreement with them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Bremen, GA

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Complaint: Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Bellaire, TX

Delinquent account

Credit card:

Complaint: I settled an old charged off account that had already been issued a XXXX for, by paying via electronic check {$2700.00} on XXXX/XXXX/16. I was told this account would be settled in full and would be updated with the credit bureau as a {$0.00} balance. It was updated with the credit bureaus as a {$1500.00} balance. This is not what I agreed to, it should reflect a {$0.00} balance as promised. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Bremen, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Baton Rouge, LA

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Swanton, MD

Other fee

Credit card:

Complaint: Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-03-01

Fountainville, PA

APR or interest rate

Credit card:

Complaint: I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Main Office, VA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

San Francisco, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Phoenix, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

Milwaukee, WI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Pacific City, OR

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Fort Lauderdale, FL

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

Tarzana, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
Company Response: Closed with explanation

Disputed: No Timely Response