CAPITAL ONE FINANCIAL CORPORATION

2016-02-04

Toledo, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-04

Centerville, GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Bay Hills, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Altamonte Spg, FL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-04

Archbold, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Rockford, IL

APR or interest rate

Credit card:

Complaint: I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was XXXX or XXXX. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balance would need to be paid off so they could assess all the interest charges. This does not appear to be a fair or upfront practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Succasunna, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My home has been subject of a foreclosure proceedings. I have tried on several attempts to prepare and input a mortgage modification to my lender, Capital One. The first time I did was back in XXXX of XXXX. They strung me along, having me talk to at least XXXX separate individuals, who kept telling me that my modification was in process. I had provided them with numerous pieces of information : XXXX statements, bank statements and XXXX separate modification packages. No one could help me or get their story straight. It was n't until XXXX XXXX, the friday before XXXX, when I called and got shuffled around for 20 minutes, only for the representative to tell me that my " Modification '' was denied back in XXXX XXXX ; with no further information! I then hired a law firm, who allegedly specialized in Foreclosure and Modifications. I spent over {$8500.00} for them to put me into Chapter XXXX with my wife and various payments plans, that went no where. In the end, the trustee dismissed the plan and gave the payments that I made ( in good faith ) to the attorney who filed the bankruptcy. Along that same time frame, I was expected to get a mortgage modification completed by the same firm, however they would n't communicate with the bank on a timely basis and whenever I called the bank, they told me that I was n't able to speak with them ... thus leaving me in the dark once again. I hired a separate firm to help secure the modification, they stated that they would bring my case to the executive level of the bank and about one month into the process, the Federal Trade commission shut them down ( XXXX ). I continued to try to contact Capital One, but they shifted me around -- telling me my file was in the bankruptcy department, when in fact, it was dismissed. NO ONE has given me any information on my file. It was then in XXXX of XXXX that I hired another law firm to handle the foreclosure and mortgage modification. This firm seemed more proactive, in that they sent numerous letters to Capital one demanding documentation on my behalf. Capital One responded to me stating that they were NOT authorized persons on my loan and could n't speak with them. I signed another letter stating that they were the authorized persons to speak with but nothing has happened. I continue to call the bank requesting a mortgage modification so that I do n't lose my home. I have a wife and XXXX children depending on me to protect our living space. Most recently, the attorneys for Capital one won a judgement that stated they, nor Capital One was at fault when they did in fact " sell my home at auction ''. They did so, while I was in Chapter XXXX! The judge ruled that no one was hurt by this and granted Capital One and their attorney 's the " go ahead '' to move forward with a XXXX sale, which is to be on XXXX XXXX at XXXX. I have had numerous calls to Capital One, who tell me that they can not provide information to me, only to my chosen attorneys. And when asked who those attorney are, on XXXX day, they told me it was my previous attorney XXXX XXXX. On another day, it was XXXX Each time I speak to a DIFFERENT representative that can not read notes and tells me the same thing, I need to contact my current attorney -- the XXXX Law firm. Then I called back, only to find out that they needed a new modification package -- this persona actually spoke to me and told me that neither XXXX, XXXX nor XXXX have sent in the proper information. So, upon downloading the information, filling it out for the 7th time, I resent it and called to verify they received it, only for them to tell me that my application has been denied and that the XXXX sale in on XXXX XXXX, XXXX!! Please help me get through to these unhelpful individuals and help me stop the sale on Monday! Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-04

Idyllwild, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Shoals, GA

Bankruptcy

Credit card:

Complaint: I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Warren, RI

Billing disputes

Credit card:

Complaint: In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Flowerfield, IL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-03

Bowie, MD

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-03

Canton, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Tylertown, MS

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-03

Wattenburg, CO

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Coeur D Alene, ID

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-03

New Berlin, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-03

Athens, GA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Pinellas Park, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Smyrna, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Washington, DC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

AR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Fort Worth, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response