CAPITAL ONE FINANCIAL CORPORATION

2016-02-09

Medford, OR

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Mahwah, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-09

Bayonne, NJ

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Bremen, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Capital One Credit Card company appears to be breaking the FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ). which appears to be a defamation on my credit report of late payments. Also capital One Card Company has failed to a dispute sentence alert to all XXXX credit bureaus in 30 days when I requested to dispute the negative tradeline on my credit. Also capital one failed to show me copies showing I paid something late.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-09

Joliet, IL

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-09

Canton, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Richmond, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Roulette, PA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Snellville, GA

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Church Point, LA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Bakerville, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Atl, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Shreveport, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Vicksburg, MI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Heer Park, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Ponce Inlet, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-08

FL

Closing/Cancelling account

Credit card:

Complaint: Capital One Bank issued me a XXXX for 2014 in the amount {$5200.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2014 included same amount. Capital One has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be listed as " {$0.00} BALANCE, PAID IN FULL ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Staten Island, NY

Other

Credit card:

Complaint: On XXXX XXXX, 2015, I purchased a vacuum from XXXX and paid for it using XXXX on my credit card. I used my Capital One Visa card. The amount was for {$960.00}. I received the vacuum in XX/XX/XXXX. However it did not work. I tried to return it by emailing the merchant, XXXX XXXX, XXXXXXXXXXXX. The merchant would not allow me to return it. Then, I contacted XXXX, they said I must deal with the merchant and it would be her decision. I then, filed a dispute with Capital One Bank. On my XX/XX/XXXX statement I was re-billed {$970.00}. An amount that was higher than the original purchase. I called Capital One Bank to ask them how to resolve the problem. They told me that a letter was sent on XX/XX/XXXX stating I would need evidence supporting the vacuum does not work and also a letter from another company who sells vacuums, stating 1. what the merchant who who sold me the vacuum did incorrectly, 2. how the problem can be corrected and 3. the cost to correct it. My problem is that I can not find another company who sells vacuums that will give me this type of letter they are requesting, especially if I did not purchase from them. I also do n't know how to give evidence that the vacuum does not work, another requirement from Capital One Bank. I feel these requests that Capital One Bank are impossible to obtain and completely unfair.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Galena, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. These XXXX companies have attempted to defraud me of approximately {$600.00}. Fortunately, XXXX CC is aware of these companies. Fundamentally, the equivalent value is somewhat skewed. XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. They have defrauded me along with their partner, XXXX. To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. No questions asked. Apparently these XXXX companies have a reputation for this sort of thing.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-08

Little Rock, AR

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Bunker Hill Village, TX

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Albany, NY

Privacy

Credit card:

Complaint: After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Gastonia, NC

Other

Credit card:

Complaint: Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-08

Hamburg, MN

Delinquent account

Credit card:

Complaint: I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-07

Lewisville, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.
Company Response: Closed with explanation

Disputed: No Timely Response