CAPITAL ONE FINANCIAL CORPORATION

2016-01-21

NE

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Dunnellon, FL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Cumberland, IN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Lakeland, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Jacksonville, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Hamburg, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Dilworth, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Galena, OH

Advertising and marketing

Credit card:

Complaint: I have received a credit card offer in the mail on XXXX/XXXX/2016 for my deceased wife, XXXX XXXX. She has been deceased for over one year. Eight months ago I placed her name on the FTC list for opting out of solicitations. I have attempted to contact the company by following instructions from their web-site. Their privacy policy directs me to " submit an unsubscribe request '' yet no feature exists on their website. The policy provides no alternative phone number nor mailing address. My complaint is to report the credit card company for violating federal regulations by publishing a privacy policy with bogus opt-out instructions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Boston, MA

Transaction issue

Credit card:

Complaint: On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-20

CT

Balance transfer

Credit card:

Complaint: I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Silver Spring, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Santa Ysabel, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Browns Mills, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Van Nuys, CA

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Arlington, TX

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

East Troy, WI

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have sent CAPITAL ONE BANK legal documents like, XXXX Affidavit, Promissory Notes. They have told me that they shedded all the paper work that i have sent to them. That told me they do n't deal with that, they the documents had to go to some place else. Those were legal Notarize Documents. they Should had forward them to the correct place, or sent them back to me, They never rebutted my XXXX Affidavit. They have violated some security Laws. That XXXX stand truth in XXXX if not rebutted. You do n't destroy legal documents, it is against the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Holbrook, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

East Freehold, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Anthem, AZ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-19

Omaha, NE

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Friendship, ME

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Richardson, TX

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-19

WI

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-01-19

Punta Gorda, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Scottsdale, AZ

Billing disputes

Credit card:

Complaint: I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.
Company Response: Closed with explanation

Disputed: No Timely Response