Review and analysis of over 455 complaints against Capital One
Capital One consumers have reported over 455 official complaints related to Cont'd attempts collect debt not owed. Out of the 455 consumer complaints against Capital One, 17% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 99% were processed in a timely manner. 2% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 8% resulted in non-monetary compensation.
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Capital One Debt collection cont'd attempts collect debt not owed debt was paid May 13, 2016 - I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid May 12, 2016 - This account was paid in full at the closing of the sale of my home in - 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( - ) were it is stated that a total of $4900.00 was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now - but this account is still showing as a judgment on my credit files.... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy December 15, 2015 - original account number was charged in a Chapter - bankruptcy in - - # -, then again in - - # -. Because it gets sold and put back on. Since I have had it removed from my - credit report and working on the other - agencies, now the debt collector has decided to contact me, and say I owe the money ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid December 9, 2015 - Debt has been paid in settlement. Will not remove from my credit report after 9 years. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 19, 2015 - While reviewing my - & - credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALO... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 13, 2015 - There is a number that keeps calling me and my family members requesting I call them with a claim number ( - ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe thi... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 12, 2015 - This is a - - Capitol One Credit Card Account that is is my name but I did not open it. It says the account was opened back on -/-/-. I did not open the account and it was a result of identity theft. I called Capitol One when the account was still open back on -/-/- and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on -/-/- and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collec... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy November 9, 2015 - My - credit card was discharged in a bankruptcy -/-/-.- had the financial contract for the credit cards when I opened - in -. - sold to capital one -/-/- same year I went BK. Then Capital one sold - credit - -/-/-. I was discharged -/-/- with no liens for creditors. Then Capital one started thru - hounding me saying I had to return my secured debt. That - - had a statement saying everything on the credit card was a secured debt. Even through Nothing from - was mentioned. Then I received receipts which were doctored. Not my signature not acc... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy October 25, 2015 - Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid October 22, 2015 - Company is trying to collect on Capital One Credit Card - that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a - credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid October 21, 2015 - I paid the car in FULL in - 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!! ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy October 18, 2015 - , i have never lived on - -, i have lived at for 27 yearsat - - - - - ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid October 13, 2015 - - - is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is - I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in -. I paid the account in full - of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding - of the accounts the true account numbers were reviled when their counsel req... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy October 6, 2015 - Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of $2200.00. However, it is passed the statue of limitation because the debt was all the way from 2002. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid October 5, 2015 - I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off -/-/-. I received my final statement from them, validating that i did not owe anything on my account -/-/-. As a matter of fact, my account had a - $10.00 balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in - of this year, -/-/-, i received a letter from - stating that they bought my account and that i owed $390.00. I immediately di... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy September 22, 2015 - We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In -/-/- ) they sent us a letter for collections purpose, I sent them a - Letter soon thereafter, we had never heard from them until today -/-/- ( - ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can d... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine September 11, 2015 - There are - Capital one credit card accounts listed which I never had -, my father whom past away -/-/- had the same name as me and I had a business that was closed in -/-/- I do recall - account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine July 19, 2015 - SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid July 14, 2015 - I paid the agreed settlement amount on - -, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( - - ) I spoke with stated that - sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine July 9, 2015 - I have been receiving incessant phone calls from Capital One, for a man named - -, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know - -, he does not live in my home, and that I now have the phone number that was once associated with - -. Each representative has assured me, there have been at least -, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every represen... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid June 30, 2015 - These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine June 30, 2015 - Dear CFPB Representative, I want to dispute information on my credit report previously disputed with -, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The - dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts - and -... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine June 28, 2015 - - acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : - their Case No : -, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus - were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. - failed to cease collections and filed suit in small claims court violating Federal Law. The only documen... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy June 19, 2015 - A credit card bill over - years old. Charged off on my credit report. Still being harassed to pay. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine June 16, 2015 - I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of -. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was -. They lied, car was all current, they then said i owed the - ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid June 15, 2015 - - - - from - Acct # - if trying to collect and debt that was paid on Capital One debt from - was paid through - - - after my dispute was resolved., I have been disputing on my report since - ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine June 15, 2015 - - - called about a '' - -, about a Capital One account with the last - digits of the social of -. Never had an account w/o a middle initial, never had a Capital One account, incorrect last - digits of the social ... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft June 15, 2015 - I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over $4000.00. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someon... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine June 8, 2015 - Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. - - CAPITAL ONE : - accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. - ) - : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than - days ago, I have not get an answer. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid May 28, 2015 - I paid with a Check from - - - the amount of $300.00 to KOHLS, - -. They clear the check from my - - - Acct. After That KOLHS said they never cash the check because it was return. I went to - - - and the fax to KOLHS the the CHECK # -, cashed by them. After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last - Bank statements where it show -, - and -, I did fax to them. After that I still receiving letters from them collec... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine May 27, 2015 - ... A company called - '', which only shows a P.O.Box as address, has tried to collect '' a debt on behalf of Capital One, F.S.B. ; for such I have no knowledge nor I owe anything to that bank/credit ... ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine May 24, 2015 - i paid the card off the bank froze the account let it completely max out then gave it to - collection agency. if they wamted the money then why did they stop me from paying them? ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid May 23, 2015 - I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. - I tried to enrool in the service and - they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had - late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the comp... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine May 22, 2015 - We received a letter addressed to my husband - - - letter says - - - -, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine May 13, 2015 - I 'm receiving daily calls ( usually - or - calls per day ) from - ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them - times requesting that they cease calling me, but they have not. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid May 4, 2015 - Capital 1 approved my application for a credit card, but wanted $99.00 down. I gave them $100.00. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to $200.00. I put $200.00 on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a - balance. Now I am being harassed - times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. I tried to... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine April 28, 2015 - Date of deliquency was - -, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine April 23, 2015 - i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 21, 2015 - Had a Capitol One card..Went into collections, and was paid through - - - - - -, MN - ... .I keep getting calls and harassment from -, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is - they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from - - that it has been paid ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 17, 2015 - This Debt Collector continues to report to all - Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a -. - is also reporting the incorrect date on SEVERAL accounts as the Account Open '' date as of last year ( - ) when in fact these accounts were opened in - to - and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 13, 2015 - On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 13, 2015 - We once had a - - account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example - - backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit whi... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 11, 2015 - Dear CFPB, I am having a problem with a KOHLS/CAPITAL ONE BANK credit account that is being reported to - and - as closed and having a zero balance. My issue is KOHLS tradeline does n't show up on -. On - -, 2015, I spoke with CS Rep named - and when I gave him - - 'S personal identifiers, the system does n't show anything. So I explained to him that this information is being reported to the credit bureaus and it must be reported correctly. He then told me that an account is closed after 36 months when there is no activity. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft April 8, 2015 - Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine April 6, 2015 - THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS - ON MY REPORT. I CANT HAVE THIS. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid April 3, 2015 - Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. Consumer : - -, - - -, - -, NY -. See attached documents. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft March 26, 2015 - This collection agency is trying to collect a debit from -/-/-. I was a - in college and did not get my first credit card until -/-/-. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over - that I never had the chance to use ... |
Capital One Debt collection cont'd attempts collect debt not owed debt resulted from identity theft March 24, 2015 - I mailed a certified letter to Capital One on -/-/-, -/-/-, -/-/-, and -/-/- asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached ) ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was paid March 23, 2015 - There is a judgment being reported by the - major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports. ... |
Capital One Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy March 21, 2015 - This debt was thrown out of court, - had this debt for - credit cards and what they did was combined the - together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had - insurance on this debt and the debtor being chase visa household financial did n't honor my - insurance after i gave them all the documents required they sold debt to - when the credit card company should have honored my - that shown documents that i paid $4.00 a month foe insurance on - them accounts. So - had - debts sold to them and they comb... |
Capital One Debt collection cont'd attempts collect debt not owed debt is not mine March 19, 2015 - I sent out - separate letters to - ( - ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to Capital One Auto Finance d/b/a COAF '' on - via - certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was s... |