CAPITAL ONE FINANCIAL CORPORATION

2016-01-11

Bloomington, MN

Other

Credit card:

Complaint: I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Oxford, GA

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the date was XXXX/XXXX/2015 my ss # is XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Dover, DE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Allingtown, CT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-11

Cheverly, MD

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Jamaica, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-10

Macomb, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-10

Ballardsville, MS

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-10

Houston, TX

Billing disputes

Credit card:

Complaint: I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-10

TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-10

Clarkesville, GA

Customer service / Customer relations

Credit card:

Complaint: My complaint involves Capital One. Originally, this was a GM credit card, previous to Capital One acquiring the account. Once this account was acquired by Capital One, I experienced constant problems with this company. There are several issue 's with this company, these issue 's have escalated to the point of being unreasonable. Formal and legal disputes have been made by me. Against my better judgement, I spoke to an representative XX/XX/2015, and reached an agreement with this individual. I gave verbal permission for XXXX payments to be automatically deducted from my checking account. ( I was told this conversation was recorded. ) And in fact three {$59.00} payments were deducted from my account, in XX/XX/XXXX, XX/XX/XXXX, and XXXX 2015. On XX/XX/XXXX, I realized that Capital One had not honored their part of the agreement. I placed a call to the company, a representative and a supervisor, both admitted to listening to the recording, but could not explain why this company had not honored the agreement. I was assured that there would be a complete investigation and someone would get in touch with me, within 10 days. ( which never happened. ) Once again, I called this company and was told that a payment had not been received on this account in over 120 days. When questioned this individual could not answer any questions, she could only state what was on her computer screen. XX/XX/XXXX, an individual called my home, basically demanding a payment or a payment arrangement. When the situation was explain to this individual, he stated that he would put a 10 day hold on the account, so there would be no late charges added to the account. My payments had always been made through the capital one website. On XX/XX/XXXX, I was blocked from my account, which prevented me from making any type of payment. I made yet another call to Capital One and I was transferred three times, due to no one being able to answer my questions. Finally I was told to call a different number. A XXXX, informed me that my account had been closed, then charged off and had been put up for sale. Yet, he still wanted me to make a payment during that phone call. Capital One has flat out refused to supply information, that was formally and legally requested. They have lied during every single phone call. This company is unscrupulous, unethical, lying thieves. Yet, they seem to enjoy threatening, many attempts at intimidation. It is ridiculous how this company believes that they are beyond the law and can flat out refuse to explain and/or justify charges. This company has received a payment on this account every single month. This can be proven through bank records. Due to the fact, that I have caller ID, I can prove that there was no follow up call, to address my questions. This is just a small example of the most recent issue 's that I have encountered with this company. There are many more. My biggest question to the company would be, If in fact, Capital One, is a fine, upstanding, legitimate company who follows all law and regulations, if in fact they have nothing to hide, why have they refused to supply the detailed information that has been requested? I know beyond a shadow of a doubt that I am not the only consumer who has experienced this type of treatment from this company. I am considering legal action, in addition to filing formal complaints with the Attorney General 's Office.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-10

Chicago, IL

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: Hi, I purchased a XXXX XXXX 2014 in XXXX of said year. I feel I paid too much for it. Since then I 've been paying $ XXXX.month for the car at 9.1 % interest. My Credit score at the time was XXXX through XXXX. I paid {$4000.00} cash downpayment and at this point ( 1yr and a half later ) I still owe aproximately {$25000.00}. I am XXXX and maybe that was the reason they made me pay that much. I would like to find out. Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-10

Mill Creek, IN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 I used my Capitol One 360 debit card for a transcation around {$9.00} and it was declined. I tried as my PIN SECURE DEBIT, my personal PIN ONLY I WOULD KNOW and again my card was declined. I called and aparently becasue I had attempted a transaction in another state my card was frozen. Capitol one 360 claims they tried to reach me but I never recieved any email to that fact. I moved XXXX 2 days ago and I had not yet updated my information. Becasue my card was declined I called in and gave them my SSN. My account was accessed by the agent and I wanted to update my address so this would not happen again.To do this I needed to answer XXXX questions obtained from a 3rd party paid consumer reporting company, whom I can not challange or verify. I answered the first XXXX questions so my next question was what street did I live on in XXXX TN. I declined to answer becasue it was over 30 years ago and I do n't recall. I failed the test so Capitol One 360 told me to call back MONDAY that no one is available in the SECURITY DEPARTMENT. Capitol one 360 is unable to issue a new set of questions or connect me with anyone who can unlock my card so I am left in the middle of the store without access to my funds. I am held hostage until I call them. Meanwhile my account is updated with the correct information with my secure information. STILL LOCKED. I call and speak to manager XXXX. again I 'm told NO NEW QUESTIONS, NO XXXX. I tell XXXX to close the account. He starts closing the account until I told him to leave it as it is, I will speak to corporate. But, how can XXXX close my account if he can not verify my identity? The whole thing is recorded. He would close my account without first validating who I am based on the process they just pushed on me. I make sure my information is updated and call back. I ask for a manager and get XXXX. Again I am told I must call back Monday since no one is available to allow access to my personal funds. HOSTAGE STILL. Capitol One 360 logic is every customer must keep a log of their entire life to refrence if this occures. A bank that online XXXX can not find customer service to offer when this happens to an account holder? REALLY? I told the agent XXXX I could validate the last XXXX XXXX transactions debited from my account since XXXX CARD IS CONNECTED AND STILL WORKS. I told the agents I could have my wife ( THE CO ACCOUNT HOLDER ) verify her information and mine. So, Capitol One 360 can not deal with a customer with XXXX Issues, Can not reolve issues when urgent verification is needed, can not issue new questions based on XXXX party FOR HIRE consumer reporting agencies, and as a result customers are stuck in the cold. On top of all this the manager XXXX was more than willing to CLOSE MY ACCOUNT until I stopped him without the all super verification. As a result of this I am considering a lawsuit to challange Captiol One 360 and its verification process when XXXX is an issue. My account has a specific pin number and the account was updated. Yet my card still remains hostage by Capitol One 360 and the non present XXXX. The questions asked by XXXX XXXX XXXX must be open for challange by the account holder. Surely a Bank as large as Captiol One is aware of the XXXX and places its verification totally on XXXX. What if the customer can not recall? What if the customer XXXX. By the way my wife had an issue with her card on Saturday and the bank called. I used my card at the same time and it too was declined. Since Capitol One 360 had my wife on the phone, surely they could have noted this in the account ... .IT WAS SATURDAY. Capitol one 360 has left a customer out in the cold and based the card lock out and can not resolve the issue. AS OF NOW I AM STILL UNABLE TO ACCESS MY ACCOUNT AND STILL DO N'T RECALL THE ANSWER to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-10

Hon, HI

Billing disputes

Credit card:

Complaint: 1. On XXXX/XXXX/2015 I did use a credit card to pay XXXX XXXX XXXX for {$2100.00}. The credit card was insured by Capital One Co. 2. On XXXX/XXXX/2015, I found XXXX XXXX XXXX are cheating me for {$2100.00}. Please see consumer complaint case no XXXX XXXX of State of Hawaii. 3. On XXXX, I called Capital One to dispute the charge of {$2100.00}. The Capital One dispute department not take their responsibilities to stop the charge of {$2100.00}. After few months, The Capital One still asked me to pay {$2100.00} and plus interests etc on my credit card which insured by Capital One Co. I think as a credit card provider, Capital One have the rights to protect their customer when a disputer case happened. 4. On XXXX/XXXX/2015, Capital one send a letter to me that said They are not able to get {$2100.00} back to me. 5. At this point, I am asking Government organization or consumer protection to investigate such case : Is Capital One really protected their customer? 6. If Capital One is not able to protect their customers, why we need such credit card? 7. I hope The Capital One is not related with XXXX to charged me {$2100.00}? 8. I dispute the charges and related interests! I also did send this complaint to state of Hawaii and Utah.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-10

Boothbay, ME

Credit card protection / Debt protection

Credit card:

Complaint: XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am self employed and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to XXXX this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my business that i worked so hard for and now i cant buy a house because of how they misled me into a trap. i am submitting one complaint per company so i am going to copy and paste this to each one.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-09

Bar Harbor, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-09

Saint Petersburg, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-01-09

San Bernardino, CA

Other

Credit card:

Complaint: My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

Detroit, MI

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

Ferndale, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

New Llano, LA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

Occoquan, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-08

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Complaint: On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

Birch Run, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

IL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.
Company Response: Closed with explanation

Disputed: No Timely Response