CAPITAL ONE FINANCIAL CORPORATION

2016-01-19

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Bremen, GA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Medford, OR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-19

Wilmington, DE

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-19

Greenwood, CA

Billing disputes

Credit card:

Complaint: I opened up my card in XXXX, XXXX ; had no issues. However, in XXXX, XXXX I had made a payment of XXXX which was charged twice to my account. I had gone to the bank thinking it was an error on their end, showed them my payment confirmation, however, was advised that the payment was pulled twice from Capital One. At the time, it was not a big deal because I did n't lose the money, as it just made a payment of XXXX to my account. Then the next month, I made a payment of XXXX, which again was charged twice. I went back in to the bank and they advised that XXXX payments were pulled. Again, the money went back on to the account and I could just use my credit card instead so I did not dispute it and just left it alone. The huge problem came on XXXX/XXXX/XXXX when a payment of XXXX and a payment of XXXX were cleared through my bank, however, were not showing as paid out through Capital One. I contacted Capital One " Customer Service '' at XXXX and spoke with a sweet rep who had advised that the XXXX payment had been cleared, however, the XXXX payment had a hold on it and had to be cleared by the bank. I had advised the rep that I was outside of the store now and asked if I should wait there or if this would take a long time and I should leave, she stated that she just needed to contact my bank, get the clearance then she would release the payment and would be able to use it in about XXXX minutes. She places me on a XXXX way call to my bank, and we spoke with XXXX at my bank who was able to verify my information and then verify the payment of XXXX. We hung up with XXXX and the Cap One rep placed me on hold to release the XXXX payment. The rep got back on the phone and had advised that she was having issues and needed to place me on hold and transfer me to a specialist that would help me. I was placed on hold over XXXX minutes and transferred to a new rep who had no idea what was going on. I again went through the entire story and the rep stated that she can not release the payment as the XXXX payment needed to be verified. I asked for a supervisor and the rep transferred me to a supervisor named XXXX. XXXX repeated everything that was already said to me and I had advised him that the first rep I spoke to already took care of this, and had spoke with XXXX to verify the payment. XXXX stated that there were no notes of this ever happening, I asked him to get the first rep I spoke with as she would have the notes or at least be able to tell him that this was verified. XXXX proceeded to repeat the informaiton that he had stated, and I asked if he had heard anything I had said, and he said he already told me there were no notes on there and that he cant release the payment until then. I told him that I have been on the phone over an hour and its now passed XXXX and my bank is closed and asked what I am supposed to do because my bank account was almost emptied due to the payment, and as the payment is not cleared through Cap One, I have no money on my credit card, so cant get groceries and nothing is open on Monday because its a holiday. He stated " I do n't know what to tell you, cause it was n't verified '' I said " Yes it was verified, back when the bank was open and when I first called at XXXX. '' I had advised him as well that I can send him the info to show that the payment already cleared my bank since he can not reach out to verify that the bank was called. Which he said no to and said, he does n't know what to tell me. I stated " I have XXXX kids at home and no groceries now, what am I supposed to do for 3 days? He said " Welp, do n't know what to tell you, I cant see that this was done. I ended up closing my card, and asked for a refund, as I overpaid on my credit card and he then proceeded to say my refund will be sent in XXXX pay cycles! TWO MONTHS!! He was so rude and was a sorry excuse for a supervisor.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

PA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: Capital One 360 has short changed us.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Youngstown, OH

Communication tactics

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

Frequent or repeated calls
Complaint: I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
Company Response: Closed

Disputed: No Timely Response

2016-01-19

CA

Delinquent account

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX. During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX. I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to 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 soon Sincerely XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-18

Jacksonville, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-18

Elyria, OH

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-18

Moore, OK

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Lucas, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-17

NJ

Other fee

Credit card:

Complaint: I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Okc, OK

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Received a letter from a credit collector and the debt does not belong to me, I never opened the account
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-17

Phoenix, AZ

Billing disputes

Credit card:

Complaint: I am having a dispute with Capital One over a credit card charge that I never authorised for {$1600.00} for NV XXXX XXXX back in XXXX 2015. Capital One have sent me a credit card slip, but it does n't have my legal signature and therefore is not vaild.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Boston, MA

Billing disputes

Credit card:

Complaint: In XXXX, I believe I had completely paid of my Kohl 's Charge account. In order to check, I logged into my online account there. As I did not recall my account information, I had it sent to the email address which I had been receiving statement reminds at. I then logged in and saw that I was entirely paid up. Unfortunately, there was a bug in their system which caused me to login to a prior account with Kohl 's which had been closed. Since then they have fixed this bug, and require the Kohl 's card number rather than email address, so I get directed to the proper account. This issue was made worse by the fact that I moved around that time, so did not receive any written notices. In XXXX XXXX, I was denied credit, so went and looked at my credit statement, and found the derogatory information. I immediately called up Kohl 's to determine what had happened. After over a dozen phone calls between them and debt collection agencies, it was determined that they had lost my account and I should call back in a month. A month later, and many more phone calls, I successfully was put in touch with a collection agency and paid off my account with them. Since then, I have disputed the account with the credit agency and with Kohl 's directly. In XXXX XXXX, After receiving a written form letter from Kohl 's with a contact number, I attempted to contact them. I have left at least half a dozen messages on their voicemail, but have never received a response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-16

Etna, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Indianapolis, IN

Managing, opening, or closing account

Prepaid card: ID prepaid card

Complaint: On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-16

Juniper Hills, CA

Credit determination

Credit card:

Complaint: Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

NJ

Customer service / Customer relations

Credit card:

Complaint: Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Boston, MA

Other

Credit card:

Complaint: I have attempted numerous times to resolve this issue with Capital One. I have used their chat system, phone system, and direct mail requesting attention to and correction of the issue at hand. I am submitting this complaint as a last resort. I opened the Capital One Mastercard at hand on XXXX XXXX, XXXX. Several years ago I put the card aside in favor of another, leaving the account open paper statements and automated payments on, in case any charge was incorrectly billed, or a statement not received. I have not used the card in over 3 years. On XXXX XXXX, XXXX a charge of {$11.00} was erroneously submitted to my Capital One Mastercard. I was never alerted to the charge, never received a statement reflecting the charge, mailed or electronic, for the month it was billed, or the next. Capital One nonetheless added a late payment charge to my account, and then another, plus interest, while failing to send a statement or alert that there was a balance on the account. I received no phone call, email, or other contact. My contact information is and was correct and up to date. Similarly, my account had automatic payments setup to avoid such a situation, and no automatic payment was submitted or applied. I only learned of the balance from a credit monitoring service after Capital One reported negative information on my credit report. I take my credit, reported information, and scores very seriously. I am vigilant about paying my bills and always paying on time. I have XXXX negative items on my credit reports, that is, until XXXX XXXX, when Capital One incorrectly reported the above as a missed payment, to XXXX, XXXX, and XXXX. Even after being alerted to their error, Capital One refuses to do anything to correct the mistake. In fact they act intentionally to reaffirm the information they report, without reviewing that it is correct. Filing a dispute with the CRAs is useless. Capital One 's nvestigations into disputes are automated, include no human review, and rely solely on the self-reinforcing data they have previously provided. No actual verification takes place. Blanket, automated confirmations sent in response to disputes. Investigations and review of their responsibilities to furnish accurate and complete information are instant, and even take place on weekends and holidays during which Capital One business offices are closed. Capital One does not take seriously or respond to requests for review, completely disregarding their responsibilities and requirements as a furnisher of data to consumer reporting agencies. They have XXXX regard for the devastating financial and personal harms they have caused by incorrectly reporting negative information. I want to close my accounts and sever any and all relationships I have with Capital One, but am afraid that if I am to close my account they will never fix this issue. It is for this reason I turn to submitting a dispute, in the hope that the error is corrected on my credit report, and that Capital One does not continue doing this to others.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Dallas, TX

Billing disputes

Credit card:

Complaint: Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. # Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Nyc, NY

Credit card protection / Debt protection

Credit card:

Complaint: In XX/XX/XXXX i had a previous social security number card ending by XXXX where the social security got my information wrong.The first name appear as last name and last name as first name and the date of birth was also wrong. ( XXXX/XXXX/XXXX ) .I went to the social security office to correct the mistake, instead they assigned me a new number with my right information ending by XXXX.Since XX/XX/XXXX to present that 's the only i am using to work and apply for credit card with XXXX, XXXX, and capitalone.The previous card ending by XXXX has been surrounded to the social security office for cross reference and retirement.I am filing complaint against capitalone because i am so concerned about how they handling my personal information, starting with sms and email they addressing to XXXX instead of XXXX XXXX.I do n't know why it cause a problem to send email by using my entire name XXXX XXXX.I would like to verify the social security number capital one has on file.And also recently they have mailed me a replacement cards with the chip already been activated.I should be the only one to activate this product by using the last XXXX digit number of my social security number if it was n't any problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Baldwin Hills, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Gardnerville, NV

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response