CAPITAL ONE FINANCIAL CORPORATION

2016-01-28

Houston, TX

Other

Credit card:

Complaint: There has been an inquiry every month from Capital One since XXXX 2015. Why is this? I only have XXXX credit cards. These inquiries on my XXXX account are affecting my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Greer, SC

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

TX

Other

Credit card:

Complaint: I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-28

Brooklyn, NY

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

2016-01-28

TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-28

Macclenny, FL

Rewards

Credit card:

Complaint: I have tried to use the online cash back redemption on my Capital One card for several months. I have emailed the error messages I have received, on multiple occasions, to Capital One yet they continue to ignore the issue asking ME to call their IT department.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-27

Spring, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Library, PA

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-27

Hamburg, MN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Town Center, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-27

Church Point, LA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Manor, DE

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-01-27

Chattanooga, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Jersey City, NJ

Closing/Cancelling account

Credit card:

Complaint: XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-27

East Rockaway, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have an account at Capital One Bank and the last time I used my debit card was on XXXX/XXXX/2016 at a XXXX DVD Rental station. I could n't find my card and called the bank on XXXX/XXXX/2016 and reported it lost. I went online and saw that all my money was gone. The bank representative said they locked the account and cancelled the card. They transferred me to the fraud department which was closed and I had to call back the following morning. When I called back the next day, the fraud department transferred me to the claims department who said they processed a claim for all the transactions after XXXX/XXXX/2016 as fraudulent. They said the issue would be investigated and it can take from XXXX business days. I called everyday for an update and each time I was told that I need to wait until I am contacted. I was also told that my fraud investigators name is XXXX. I called back on XXXX/XXXX/2016 and the representative told me that my claim was denied due to multiple ATM withdrawals being done with a pin #. I asked for the transaction details as to where and if surveillance can be looked at because I did not make the withdrawals. I was told that they can not release that information to me and I should get a lawyer to subpoena the records. I went into a branch in XXXX XXXX, XXXX and the banker was very friendly and gave me an affidavit which I took to the police station to file a report. He also provided me with a print out of the transactions. I have not received a call from my investigator at all. In addition to the the ATM withdrawals there were funds being transferred in and out of the account, fraudulent checks and point of sale purchases made in XXXX XXXX and I reside in XXXX. Capital One did not properly investigate my issue. One of the accounts that the funds were moved into was also a closed account which makes no sense. Hopefully, someone can help me and investigate Capitals Ones procedures or process in following consumer laws! They can clearly see that the checks are fraudulent and the purchases are in another state. I googled the store # 's. Why did n't their systems pick this up? After I called on XX/XX/XXXX, they still honored fake checks and the signature is n't even mine. Someone at this bank messed up or they do n't have a good fraud detection process and they are unwilling to help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Lakeland, FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Knoxville, TN

Credit card protection / Debt protection

Credit card:

Complaint: Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Buffalo, NY

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Delray Beach, FL

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-27

Bosco, LA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-27

Westfield Ctr, OH

Delinquent account

Credit card:

Complaint: I have received calls from the same credit card company upwards of four times PER DAY.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Chantilly, VA

Overdraft, savings or rewards features

Prepaid card: General purpose card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-26

Black Jack, MO

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Moapa, NV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response