CAPITAL ONE FINANCIAL CORPORATION

2016-02-17

Bis, ND

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-17

San Francisco, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-17

PA

Forbearance / Workout plans

Credit card:

Complaint: Capital One Bank and their lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa filed suit against me in XXXX XXXX, case was dismissed on XXXX/XXXX/XXXX in XXXX XXXX PA Dockt XXXX by XXXX XXXX. Sheriff dept has posted XXXX notices on my door, with XXXX Tape, telling me that I am being served under this same docket again, and when I look up docket, case is scheduled to be heard again in XXXX. My rental property was severly damaged by hurricane XXXX in XXXX XXXX, and I tried to negotiate with creditors including Capital ( 5 year 0 % percent interest payoffs ). They would not cooperate and I could not afford to pay their high interest. XXXX is suing me again and my story is the same again. Give me a 5 year payoff at 0 % and I will make good on this balance. I also recently received a demand letter from what appeared to be a XXXX branch of capital one for the same dollar value and I wrote back explaining the same, is this bank for real? All I want is a reasonable payment to settle this account, if you sue me, I will eventually file bankruptcy.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-17

NE

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Bronx, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Tracy, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

MN

Delinquent account

Credit card:

Complaint: after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

CA

Billing statement

Credit card:

Complaint: Capitol One MasterCard Statements are lacking proper and minimum disclosure of pertinent information and in my opinion have unacceptable and possibly illegal business practices as the deception is clearly intentional. Other major credit card companies have this information on them and for good reason, Cap One does not. Lack of proper disclosure of this particular information directly triggers a charge of a high monthly late fee {$35.00} and an increase in rate to nearly 30 %. Due to this and the obvious and evident outrageous attempt of Capitol One to keep hidden select data ( when a Past due is occurring ), it is clear that this lack of disclosure and the corresponding customer service training has been intentionally engineered to originate revenue from unknowing credit card holders at the expense of the client with their credit rating ( 7 yr derog ) in balance The information in question that has been intentionally hidden on their statements, in their email correspondence and on their website is as follows : A reasonable person would not be able to ascertain, even with all statements in front of them and emails, a ) if they were delinquent currently, b ) how much was delinquent c ) the date the past due amount became delinquent. Additionally, the Customer Representatives at Capitol One are most certainly trained to " wash over '' the subject as complaints come in, it was very obvious that the Supervisor XXXX ID # XXXX got these complaints all day long and I brought that up on the phone. She agreed. Phone calls are recorded at Capitol One. I had to ask simple questions as to whether or not, and when, delinquency notices were sent 4 or 5 times and got different answers each time and got the same run around with almost every reasonable question. At the end she finally agreed that they do not send past due notices and that the reason the pertinent and furthermore misleading information was not on statements was due to the fact that they feel they have provided proper notification of delinquency by simply changing the color to red on the top bar of the statement ( still without the words " Account is past due, Amount Past due, dates ... on statement, emails, web ). Later, I spoke with her superior who was present on the call with her ( he talked over her ), XXXX, ID # XXXX. These are my requests : Please have Capitol One add on the fine print in their statement the CFPB complaint contact information. Please have Cap One put the words " Amount Past Due '' and the respective past due balance on their statements ( when an account is past due ), in their email correspondence and on their website for account holders. Please have Cap One put the words " Account is Past Due '' where/when applicable on their monthly statements, email correspondence and on website clearly and without ambiguity in top left quadrant of statement ( where the red bar is ). Please have Cap One reword their emails with email statement link to read " Account Past Due '' and Payment Due Now and Amount to bring current '' in the text portion of the monthly statement emails when an account is past due. Please have Cap One send out delinquency notices when an account is at least 30 days past due via email and through the mail. Not Statement emails, separate notices that specifically read " Account past due '' and the amount needed to bring account current. Over limit Notifications : All of the above, please have Cap One also disclose as outlined above whenever there is an over limit occurrence and it should be generated the day the overage occurs. Rate Increases : All of the above, please have Cap One also disclose as outlined above whenever there is a rate increase and the notice should be sent/emailed the same that that the increase takes place. ( Just like with mortgage loans! ) Again, please protect us from these intentionally deceptive business practices of Cap One.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Euclid, OH

Billing disputes

Credit card:

Complaint: After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-16

Saint Louis, MO

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-16

Boston, MA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-16

Ladies Island, SC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-16

IN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Please see the attachment : on or about XX/XX/XXXX.capital one entered into an agreement with me as shown on the attachment. On XXXX/XXXX/XXXX I received a phone call @ XXXX XXXX from XXXX a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect {$9000.00} due immediately. I told them about the agreement they ask me if I could forward any documents to them to prove I did not owe capital one this amount so I did .The next day I got a call from XXXX they told me they sent the file back to capital one and would not represent them.I want capital one to stop making my credit bad.They are reportin several late payment I incurred XX/XX/XXXX I made all those payments up but to the establishment that does not count only negative information seems to count.I just recently raised my credit score for an acceptable score to be eligible foe a VA XXXX loan now because of capital one 's negative reporting I once again have been disqualified for the loan.capital one has more than recovered their so called losses from me and then some.They should be audited! Please look int this for me I really had my hopes up to buy my first house before I die.This has caused me a great deal of XXXX, XXXX, and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-16

Cartersville, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-16

Chicago, IL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-16

Gretna, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-16

IN

Billing statement

Credit card:

Complaint: I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. As a XXXX, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders. Yes, I am responsible for the payment of the account. There was no history ( until this logistical issue - " darkness '' ) where the account was paid late. The account is, once again, paid on a timely basis. I do n't feel like I should be penalized for the lack of contact by Capital One. I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? In my opinion, Capital One failed me. We spent XXXX ( if not XXXX ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-16

CT

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-16

Needham, MA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-15

Orem, UT

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-15

Madison Park, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-15

FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-15

Cheverly, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX 2016, at around XXXX, I signed into my Capital one 360 checking account because I was filing my taxes and wanted to verify and insert my account number so that my tax refund will be direct deposited. I noticed that {$2500.00} had been withdrawn from my account that same day. I called the bank at XXXX XXXX and reported the issue. I told the representative I spoke with that I am not the one who withdrew the funds in my account. The representative advised me that he will stop all withdrawals from my account and open an investigation. I told the representative to hold on while I transfer {$120.00} into my joint account so I can use for gas while they investigate. The balance on my account before the withdrawal was about {$2600.00} and at this point, only {$39.00} was left in my account. I received a call from a representative in the investigation team the next day XXXX XXXX 2016. The representative asked me a few questions to confirm my identity. The representative asked me about XXXX deposits I made on XXXX XXXX and I confirmed that I made those deposits. The representative then told me that the person who made the deposit on XXXX XXXX was the same person that did the withdrawal at a Capital one bank in XXXX XXXX, XXXX. I told the representative that what she is telling me is impossible because I am in XXXX and I have been home the whole day with my father and children. I requested the video and the representative informed me that the bank will not be giving me the video and that I will need a detective to subpoena the video. The representative requested that I go give a police report and go into a branch, scan and send my drivers license by email. I did. This was a very stressful and painful process for me and the representative made me feel like the bank was partnering with the identity thief who withdrew the money from my account. I requested that a different representative should be assigned to my account and case. On Tuesday XXXX XXXX, 2016, I received a call from another representative who notified me that the bank has finished its investigation and concluded that I am the one who withdrew money from my account. She notified me that the bank will close my account and send me a check by mail. I was very frustrated and did not know what to do. I went online and was searching for resources that could help me. I was late on all my bills, my credit was affected, I received late penalties for my bills and was feeling very sick from XXXX and confusion. I finally called the State of XXXX Attorney General 's office and spoke with XXXX who was very helpful. He gave me some helpful links to report the issue and sent me information by email and mail on what to do in the event of identity theft. I am very disappointed in Capital One bank and the whole process. They really made me understand that they do not care about their customers. I checked the bank website and came to know that the XXXX XXXX XXXX in New Jersey opened at XXXX on XXXX XXXX and I called the bank from XXXX XXXX at XXXX XXXX on that same day. It takes 3 hours or more from my home in XXXX to the XXXX XXXX branch in XXXX, which means it is impossible that the person who withdrew the money from the account was me, even if the withdrawal happened at the same time that the bank opened. I requested a confirmation from my phone company, XXXX, and it is being attached with this report. I am also attaching the police report and the email I sent to the investigations team. Capital One Bank should apologize to me, refund my money and compensate me for the pain and suffering they have put me through. Please let me know if you have any questions.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-15

Brooklyn, NY

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: While reviewing my XXXX, XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CAPITALONE AUTO FINANCE on XXXX/XXXX/2016. I did authorize any employee of CAPITALONE AUTO FINANCE to review my records for any purpose at any time. This inquiries are fraudulent and constitutes gross negligence on the part of the CAPITALONE in clear violation of my civil rights under FRCA and Privacy Rights. As a direct result I have continued to suffer discrimination and irreparable economic loss including but not limited to denial of meaningful employment.housing and /or obtain new credits.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-15

Pikeville, NC

Billing disputes

Credit card:

Complaint: I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.
Company Response: Closed with explanation

Disputed: No Timely Response