CAPITAL ONE FINANCIAL CORPORATION

2016-01-24

Warren, OH

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-24

Clermont, FL

Customer service / Customer relations

Credit card:

Complaint: on XXXX/XXXX/2016 I made a payment in full to Capital One on my secured credit card. The limit on the card is XXXX the balance owed was XXXX. I paid the entire amount. I have never missed a payment and so far as I know I have never had a payment returned. In good faith I went out to use the card and was unable to use it. Upon calling Capital One I was informed that they were holding my funds. At no time in the year that I have had this account have I ever had funds held for verification of payment. XXXX a customer service supervisor at Capital One would do nothing to assist other than to tell me to call them when the bank is open so they can verify the payment has cleared.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

Elmwood Park, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

North Prosser, WA

Other

Credit card:

Complaint: I have a credit card with Capital One. I asked them to remove a " 30 day late '' pay as a show of goodwill towards me. I 've read articles that suggested to do this, and I 've seen other credit card companies do it. Capital One said that they could not remove the " 30 day late '' pursuant to the Fair Credit Reporting act. I understand that creditors are required to report accurate data ; but can they do customers a favor by removing a " 30 day late '' from the customer 's payment history?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

Mount Pleasant, SC

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

Oakland, CA

Credit determination

Credit card:

Complaint: In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

Newnan, GA

Billing disputes

Credit card:

Complaint: I have been given incorrect information by XXXX different Capital One employees, and I do not feel that my complaint will be handled accurately. I have requested to fill out HIPPA Form to receive copies of my calls and was told that is illegal. I am requesting your assistance to help me resolve my issue. My first complaint is that I am being charged over and excessive amounts for my cash advance and have been given different information by XXXX different people : I spoke with XXXX supervisors regarding paying off my cash advance so that I can stop accruing interest. I am currently interest free on purchases. I spoke with a supervisor in XXXX XXXX to go over amounts I needed to pay. Next, I spoke with supervisor XXXX in the XXXX, FL office on XXXX/XXXX/XXXX. I called Capital One to have a late fee waived because I have never been late on my account. I spoke with XXXX and as a courtesy he waived the fee. We discussed in great detail the amount I would need to pay, in order to pay off the {$600.00} cash advance and stop accruing interest. I asked him very specific questions about my account. He said I would need to pay {$880.00}. I paid {$900.00} on XXXX/XXXX/XXXX. I called in on XXXX/XXXX/XXXX at XXXX to see what would be available and a rep advised me the full {$900.00} would be available at XXXX, because I satisfied the cash advance. Only {$860.00} became available, so I called back in and spoke with supervisor XXXX, to discuss what applied to the account, and she said I would need to pay an additional {$47.00} in order to pay off cash advance. I stated that was incorrect and excessive. She explained I had a previous balance of {$100.00}. I explained that is part of next month payment which according to XXXX I would not have to pay because cash advance would be satisfied. I explained to her that XXXX and the supervisor before him gave me great detail on what I needed to pay. I did not have XXXX 's name and location at the time I spoke with XXXX. Once I found his info, I called back in spoke with supervisor XXXX and she requested I file a complaint in writing after XXXX told me she had already submitted my complaint. I am furious, as a consumer, this information is difficult for me to understand, but what do I do when the employees of the company obviously do n't understand, have no knowledge of their products, and are obviously not on the same page??? My Second Complaint is that I was advised that I would be interest free for 1 year by signing up for the card, and XXXX advised me that I am only interest free for 10 months ending XXXX XXXX, XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-23

Finksburg, MD

Advertising and marketing

Credit card:

Complaint: I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Citrus Heights, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Kagel Canyon, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Sangerville, ME

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-22

Glendale, CO

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I opened a Capitol One XXXX in XXXX, lost my job and it was charged off in XXXX. On XXXX XXXX, XXXX Capitol One Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX sent XXXX process servers to my home at XXXX who would not leave, they were writing license plate numbers down and sat in front of my home for 2 hours trying to intimidate me & my Family, ( We live on a small Cul De Sac ) I had to call the Police, when they saw the police they tried to speed away but the police stopped them and made them leave, We did n't hear from the Attorney after that and Capitol One approved me for XXXX VISAs that I currently have, paid on time. My husband and I recently applied for a mortgage, and were told on XXXX XXXX, XXXX Capitol One put this old XXXX Charged off acct on my Credit Report as New. I have no Public Records and have worked hard to get my Credit where it should be. When I called Capitol One, and was told that it would be removed but then told she could n't but then was transferred to another representative who said it was a charge off to contact the attorney, when I asked Why it was showing on my Capitol One Alert that it was Capitol One that added it to my Credit Report she did n't have an answer. Today, XXXX XXXX, XXXX I found out that XXXX & XXXX still representing Capitol One has garnished my wages for this old Charged Off XXXX. I have Never been notified about this garnishment as per Colorado Law, and want this garnishment to STOP IMMEDIATELY!!!! Not only has this attorney Violated the Fair Debt Collection Practices Act by sending the Process servers after XXXX, adding an old debt after the statute of limitations is also illegal. This Attorney has been sued in the past for Violations of the FDCPA. I was advised by the Colorado Attorney Generals Office to file a Complaint with you for this situation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-22

Manteno, IL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I 'm being charged a balance of {$190.00} by Capitol One who says this event occurred in XXXX of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-22

San Jacinto, CA

Billing disputes

Credit card:

Complaint: I authorized a payment from my CapitalOne 360 checking account to my CapitalOne credit card on XXXX/XXXX/16 in the amount of {$200.00}. The credit card processed this payment on XXXX/XXXX/16 and then attempted to take the payment out again on XXXX/XXXX/16, resulting in a notice of insufficient funds. I had not authorized this second payment and can not get an answer from the company as to why they attempted to take money from my checking account twice. In addition, this credit card company imposed a 17.9 % interest rate on my card without notification. This rate is much higher than what was projected when I signed up for this credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Okc, OK

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Bossier City, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Anaheim, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I received a call from XXXX XXXX earlier in XXXX of XXXX regarding an account coming from Capital One. I was completely confused because I currently have an active capital one credit card in good standings that I acquired in XXXX and I also began banking with Capital One Bank in XXXX. I then proceeded to check my credit report and found there is a public file which I do n't know what it 's for. I would like verification of this debt as follows SSN # XXXX To Whom It May Concern, I am sending this letter to you in response to a call I received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

NE

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Due to personal circumstances, I missed XXXX payment on my credit card in XXXX of XXXX, resulting in a late fee, which then resulted in an over-the-limit fee. Thereafter I continued making minimum payments for an additional 6 months. However, these payments did n't affect the balance on the card due to being continually charged an over-the-limit fee. I tried speaking to the credit card company, but not only did the person I spoke to have very broken english, they also refused my requests to cancel or freeze the account to stop the continued rising of the bill, regardless of payments being made. The only way to stop this from happening to the best of my knowledge at the time, was to stop making payments. Which I stopped making in XXXX of XXXX. I was then put into default. I originally signed up with XXXX as the credit card provider in late XXXX, then the creditor was sold to Capitol One, and terms drastically changed and so did customer service. My card was reported stolen in XXXX of XXXX, so XXXX different accounts are represented via my credit report, however they are the same account. I also had 70 months of continuous on time payments with this credit card, with XXXX 30 day late, then another XXXX payments after. With the company changing hands, I believe the fair service went with it. Due to this I was at a loss as to how to handle this situation with this company, and only today becoming aware about the ability to file this claim. I 'm also initiating this because of a judgment issued to me in what I believe is XXXX XXXX, shown via an online credit reporting website. I was never notified of this action or pending court date. I only became aware of this situation after I was given a letter by a seasonal employer, XXXX, which stated they would start to garnish my wages. I am no longer employed with this company, as this was seasonal work, and no garnishments were made. I then went to both credit reporting websites ; XXXX XXXX, and XXXX, in an attempt to find out what is happening. Both sites show that there was a default judgment in the amount of {$1600.00}. My credit limit was {$1300.00}.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-22

CO

Customer service / Customer relations

Credit card:

Complaint: I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Bradevelt, NJ

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Darrtown, OH

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-21

Centerville, MN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Kingstree, SC

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-21

Menlo Park, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response