CAPITAL ONE FINANCIAL CORPORATION

2016-02-01

Northridge, CA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-01

San Tan Valley, AZ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

NV

Balance transfer

Credit card:

Complaint: I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-01

VT

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-31

Sierra Madre, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

Burbank, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-30

FL

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-30

Scottsdale, AZ

Other

Credit card:

Complaint: On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

PA

Other

Credit card:

Complaint: A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. It appears that Capital One 's actions are punitive.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

WI

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: They call multiple times a day to try to collect a debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Foxridge, MD

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Chicago, IL

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

TX

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: In XXXX I went through a divorce therefore substantially lowering my income and was unable to pay on a credit card with Capital One. In XXXX XXXX, I established a settlement with XXXX XXXX XXXX in which payments were automatically deducted from my checking account. In XXXX XXXX I received a letter from Capital One that XXXX was no longer servicing my collection account and all future payments were to be made to Capital One sent an account statement much higher than the settlement amount agreed upon and only reflected XXXX payments having been made. During this time XXXX XXXX began making additional withdraws from my account that was not authorized and the phone number listed for the company was then disconnected and after speaking with my bank they suggested that I close the account. I then requested in writing from Capital One an accurate statement including the agreed upon settlement amount and all payments received on the account. Capital One responded that they did not have record of an account with them. I resent my original request along with their original account statement and letter referencing no account on file. No further response from Capital One regarding my request. In XXXX of XXXX I received a threatening phone call from a man named XXXX XXXX who continue to cuss and threaten legal proceedings if I did not pay the Capital One debt. I advised XXXX XXXX to send everything in writing and hung up. In XXXX of XXXX I received a call from Capital One employee demanding payment. I explained in detail the situation that had occurred. She stated we no longer honor that settlement because we received a return payment. I explained to them the account was closed due to unauthorized charges from XXXX XXXX. In XXXX of XXXX I received a letter from a law firm on behalf of Capital One in which I requested validation and documentation to support their suit and I received no response. In XXXX XXXX I received a letter from another law firm on behalf of Capital One requesting the same information, the attorney responded advising he did not have to provide me with any further information. I sent in writing again request for validation and received no response. In XXXX XXXX I received notice of a lawsuit on behalf of Capital One. I responded to the court and also requested that the XXXX, Capital One provide documentation. In XXXX XXXX, Capital One requested a continuance and still unable to provide any documentation. On XXXX XXXX, XXXX both parties appeared in court and at the request of the XXXX, Capital One they requested that the case be dismissed. On XXXX XXXX, XXXX, I received a XXXX in the mail from Capital One and the amount listed is still not accurate and does n't even match the amount they attempted to collect previously. I contacted Capital One via the phone number listed on the XXXX which sent me to their recovery department. I spoke with them in detail and advised the case was dismissed and that there is still a dispute of the amount in question and if they are going to send a XXXX it needs to reflect the proper amount. I also explained that the name and address on the XXXX is also incorrect. The representative informed me that they will NOT correct it and according to their records it is accurate. I requested to be talk to someone above them or in their legal department to get it corrected and they advised they did not have any contact information. I was then referred back to the attorney that dismissed the case in XXXX. Since XXXX XXXX until XXXX XXXX I have no contact with Capital One. There has been no attempts to collect on the previous debt or new suit filed. The XXXX is not accurate and I have no recourse to correct the issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

CA

Delinquent account

Credit card:

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. I look forward to hearing from you soon. I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-29

Las Vegas, NV

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Greenwood, CA

Application processing delay

Credit card:

Complaint: TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

San Francisco, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Fred, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Dear Sir or Madam : We are writing to dispute the following information in my file. I have highlighted the item I dispute on the attached copy of the report I received. This item Capital One Auto payment for XXXX XXXX is inaccurate on all the credit reporting agencies for XXXX and XXXX XXXX and specifically on XXXX it displays 60 days late or XXXX or more payments. The information is inaccurate because XXXX attempted to pay this amount utilizing the creditors web pay system, but it was unavailable. XXXX contacted the creditor via telephone on XXXX XXXX, XXXX and explained she was trying to access her account for review and payment to pay the amount of {$460.00} which would have been within the terms of agreement to satisfy the amount due and to prevent any 30 days late. The phone representative could not provide any assistance for XXXX to resolve the issues with the creditors web site unavailability. XXXX could barely understand the representative who spoke XXXX that was mostly non- legible. XXXX never understood the representative offer to review her account with her over the phone ; neither did she hear him ask to take the payment over the phone. The representative never advised XXXX that her payment was approaching a 30-day late status. In fact, XXXX became fairly impatient with the fact that she had someone who could barely speak XXXX and a website that was not available. This contact with customer service failed the XXXX in their attempt to pay the debt timely as they had done since inception of the loan nearly four years prior. XXXX eventually, after many hours and attempts was able to access the site without help from Customer Service. XXXX proceeded to make the payment via XXXX XXXX XXXX account on XXXX XXXX, XXXX on the web pay site for the Creditor. On the site and on the back of the bill ( see attached ) it clearly states that any payments made by check even if sent by someone else will be used for electronic transfer of funds may be withdrawn from your account the SAME DAY YOU MAKE OR WE RECEIVE YOUR PAYMENT. THERE IS NOTHING IN WRITING ON THIS BILL STATEMENT THAT INDICATES THE PAYMENT HAS TO POST TO YOUR ACCOUNT BEFORE IT IS CONSIDERED AS RECEIVED. In fact, XXXX and XXXX understanding in accordance with the terms of payment stipulated on the bill that the day a check is received is the day the funds should be considered as transferred and XXXX HAVE A RECEIPT OF PAYMENT BEING RECEIVED BY THE CREDITOR ON XXXX XXXX, XXXX ( See Enclosed ). The date XXXX wrote on the check has no bearing in accordance with the payment schedule terms found in writing on the site and on the back of the billing statement. Had the creditor acted as stated on the terms of the payment agreement and processed the check as an electronic transfer on the same day it was received ; then it would have been honored by the XXXX bank, just as it was on the day the Creditor decided to post the check ( See Enclosure ). The XXXX made their payment prior to XXXX XXXX, XXXX which was the deadline for the 30-day payment to be received prior to being considered as 30 days late. Further, this Creditor does not report to the credit reporting agencies until the XXXX day of the month. THIS WAS LONG AFTER THE XXXX PAYMENT HAD BEEN RECEIVED AND POSTED. The XXXX can not be responsible for when the Creditor post the payments. The payment was received in accordance with the terms and agreements to be made less than 30 days late. The date on the payment that was received XXXX XXXX, XXXX was XXXX XXXX, XXXX, but that was irrelevant. Even, if the Creditor did not post the payment until after XXXX XXXX, XXXX it is simply a Goodwill policy to allow a customer in good standing a few days ' grace period " one time '' at XXXX, during the 6-year
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-29

Waddell, AZ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Harvey, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Lake Worth, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Tucson, AZ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Santa Ysabel, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.
Company Response: Closed with explanation

Disputed: No Timely Response