당신은 주제를 찾고 있습니까 “캐피탈 원 – 귀하의 Capital One 조수인 Eno를 만나보세요 | 캐피탈 원“? 다음 카테고리의 웹사이트 ppa.maxfit.vn 에서 귀하의 모든 질문에 답변해 드립니다: https://ppa.maxfit.vn/blog/. 바로 아래에서 답을 찾을 수 있습니다. 작성자 Capital One 이(가) 작성한 기사에는 조회수 9,548회 및 좋아요 89개 개의 좋아요가 있습니다.
캐피탈 원 주제에 대한 동영상 보기
여기에서 이 주제에 대한 비디오를 시청하십시오. 주의 깊게 살펴보고 읽고 있는 내용에 대한 피드백을 제공하세요!
d여기에서 귀하의 Capital One 조수인 Eno를 만나보세요 | 캐피탈 원 – 캐피탈 원 주제에 대한 세부정보를 참조하세요
You may already use smart assistants to help with your daily life, but what about help with finances? Meet Eno, your Capital One assistant! Eno looks out for you and your money 24/7 by watching for credit card charges that may surprise you, sending you helpful spending insights, and answering your account questions. Eno can even create virtual card numbers for you when you shop online that help protect your credit card account from potential fraud. Get to know what Eno can do for you.
To learn more about Eno, visit: https://www.capitalone.com/applications/eno/
Eno is learning all the time and may not catch everything, including some free trials and other spending activity. Eno looks out for free trials from select merchants. Push, email, and SMS notifications must be enabled to be received. Message and data rates may apply. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Not all features may be available to customers. Eno browser extension for virtual card numbers only available in certain web browsers and enrollment is required. Actual experiences may differ from those depicted. Additional terms and limitations apply. Capital One Bank (USA), N.A., and Capital One, N.A.
ABOUT US
Capital One provides a broad range of financial products and services from personal credit cards or business credit cards, savings accounts, to auto loans. See how Capital One can help you with your banking and financial needs: https://www.capitalone.com/
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캐피탈 원 주제에 대한 자세한 내용은 여기를 참조하세요.
캐피털 원 – 나무위키:대문
미국 버지니아 주에 본사를 둔 금융지주회사. 1988년 Signet Financial Corp[1]의 신용카드 부분으로 설립되어서 1994년에 분사한 미국 기준으로 …
Source: namu.wiki
Date Published: 6/22/2021
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Capital One Credit Cards, Bank, and Loans – Personal and …
Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking services for you or your business.
Source: www.capitalone.com
Date Published: 4/10/2021
View: 2514
캐피탈원(투자조합) – 기업정보 – THE VC
캐피탈원(Capital One / 벤처캐피탈 / 대표: 오영석, 여한구)의 투자 집행 11건, 최신 뉴스 209건, 고용, 재무 현황에 대한 정보를 확인하세요.
Source: thevc.kr
Date Published: 6/9/2021
View: 9679
캐피탈원 – Capital ONE
캐피탈원은 2009년에 설립된 창업투자회사입니다. 세상을 바꿀 미래 기술, 아이디어, 인력 및 의지를 가진 Dreamer들을 지원합니다.
Source: www.capitalonevc.co.kr
Date Published: 3/7/2021
View: 9580
회심의 한방: 캐피탈 원 Venture X 카드가 대박인 이유 5가지
캡원은 Capital One Travel 이라고 하는 자체 예약 포털을 운영중에 있는데요. 이 포털에서 항공권이나 호텔을 예약할 경우 1마일 = 1센트 비율로 마일 …
Source: www.milemoa.com
Date Published: 8/19/2021
View: 3019
캐피탈원(주) 2022년 기업정보 | 사원수 8명, 근무환경, 복리후생 …
캐피탈원(주) 회사 소개, 기업정보, 근무환경, 복리후생, 하는 일, 회사위치, 채용정보, 연봉정보 등을 사람인에서 확인해보세요. (saramin.co.kr)
Source: www.saramin.co.kr
Date Published: 9/29/2021
View: 1461
1억 명 피해자 낳은 캐피탈원 침해 사고, 클라우드 보안 인식 바꿔
2019년 미국 전역을 충격에 빠뜨렸던 거대 해킹 범죄인 ‘캐피탈원(Capital One)’ 데이터 침해 사고의 배후에는 36세 테크 전문가가 있었다.
Source: www.boannews.com
Date Published: 3/29/2021
View: 786
Capital One 주가 – 캐피탈 원 (COF) – Investing.com
캐피탈 원의 주가, COF 주식, 차트, 기술적 분석, 실적 자료 등 캐피탈 원 시세에 대한 자세한 정보를 확인해 보세요. 오늘의 시세뿐만 아니라 뉴스와 분석, …
Source: kr.investing.com
Date Published: 12/30/2022
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Capital One – Wikipedia
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered …
Source: en.wikipedia.org
Date Published: 2/21/2022
View: 8085
주제와 관련된 이미지 캐피탈 원
주제와 관련된 더 많은 사진을 참조하십시오 귀하의 Capital One 조수인 Eno를 만나보세요 | 캐피탈 원. 댓글에서 더 많은 관련 이미지를 보거나 필요한 경우 더 많은 관련 기사를 볼 수 있습니다.
주제에 대한 기사 평가 캐피탈 원
- Author: Capital One
- Views: 조회수 9,548회
- Likes: 좋아요 89개
- Date Published: 2021. 6. 29.
- Video Url link: https://www.youtube.com/watch?v=jFzTerE2mJk
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회심의 한방: 캐피탈 원 Venture X 카드가 대박인 이유 5가지 – MileMoa.com
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1억 명 피해자 낳은 캐피탈원 침해 사고, 클라우드 보안 인식 바꿔
[이미지 = utoimage]3줄 요약
1. 캐피탈원 해킹 사고 일으킨 해커, 최대 20년형까지 받을 수 있음.
2. 클라우드 업체가 모든 클라우드 환경의 보안 문제를 책임지지 않는다는 게 선명히 드러난 사건.
3. 보안을 강화하는 기업이 늘어나고 있긴 하지만 아직도 기본적인 설정 오류가 훨씬 많음.
[보안뉴스 문가용 기자] 2019년 미국 전역을 충격에 빠뜨렸던 거대 해킹 범죄인 ‘캐피탈원(Capital One)’ 데이터 침해 사고의 배후에는 36세 테크 전문가가 있었다. 현재 이 인물은 7가지 혐의로 재판을 받는 중인데, 만약 모든 혐의에서 유죄가 인정된다면 최대 20년까지 징역살이를 해야 한다.이 거대 사건을 일으킨 장본인은 에라틱(erratic)이라는 닉으로 활동하는 해커 페이지 톰슨(Paige Thompson)이며, 당시 캐피탈원 침해 사고를 통해 1억 개의 신용 거래 신청서를 훔쳐내는 데 성공했다. 잘못 설정된 아마존 웹 서비스 스토리지 버킷에 저장되어 있던 데이터들이었다. 사건 직후 캐피탈원이 악성 행위를 추적해 FBI에 제보했고, 톰슨은 곧바로 체포됐다.톰슨을 기소한 닉 브라운(Nick Brown) 검사는 “페이지 톰슨은 해킹 기술을 활용해 1억 명이 넘는 이용자들의 개인정보를 훔치고, 컴퓨터 서버를 가로채 암호화폐를 채굴했다”고 주장했다. “기업들을 돕는 윤리적 해커와는 거리가 먼 행동으로, 톰슨은 오히려 기업의 실수를 악용해 귀중한 정보를 훔쳐 스스로의 주머니만 채우고자 했습니다.”톰슨이 취약한 AWS 인스턴스를 우연히 찾아낸 게 아니라 스캐너라는 도구를 활용해 설정이 잘못된 AWS 인스턴스들을 의도적으로 검색했다는 사실도 그에게 불리하게 작용할 예정이다. 여기서 취약한 AWS 인스턴스란 아무런 인증 절차 없이 아무나 접근할 수 있도록 해 둔 상태를 말한다. 톰슨은 약 30개 조직이 보유한 데이터베이스에 침투한 것으로 알려져 있으며, 그 중 하나가 캐피탈원이었다. 침투 후 그는 데이터를 빼돌리기도 했지만 암호화폐 채굴 멀웨어를 심기도 했다.사법부의 발표문에 따르면 톰슨은 “수백 시간을 이러한 악성 활동에 투자했다”고 하며 “각종 온라인 포럼에 자신의 성과를 자랑하고 떠벌리기도 했다”고 한다. 현재 톰슨에게는 7개의 컴퓨터 및 통신 사기, 보호된 시스템으로의 불법적 접근 등의 혐의가 남아있으나 아이덴티티 도난에 대해서는 무혐의 처리가 된 상태다. 최종 판결은 9월 15일에 있을 예정이다.페이지 톰슨이 일으킨 이 사건은 초대형 해킹 사고이며, 미국 성인 거의 대다수가 이 사건에 피해를 입은 것으로 알려져 있다. 또한 이것이 단순 클라우드 설정 오류로 인해 벌어진 일이라는 것도 잘 알려져 있다. 실제로 캐피탈원은 민감한 정보를 보호 장치 없이 노출시킨 것에 대한 책임이 있다고 판결이 났으며 8천만 달러의 벌금을 냈다. 그 외에도 고객들의 집단소송에 대한 합의금으로 1억 9천만 달러를 지출해야 했다.보안 업체 넷엔리치(Netenrich)의 수석 위협 헌터인 존 밤베넥(John Bambenek)은 “캐피탈원 사건으로 클라우드 설정과 클라우드 보안에 대한 경각심이 전역에 퍼졌다”고 말한다. “그 전만 하더라도 모든 클라우드 환경의 보안은 클라우드 업체가 책임지는 것이라는 잘못된 개념이 편만했었죠. 피해 보상도 클라우드 업체가 져야 하는 것으로 알고 있던 업체가 많고요. 그러면서 클라우드를 있는 그대로(즉 디폴트 상태로) 놔두어도 안전하다고 인식하던 곳이 대다수였습니다. 하지만 캐피탈원 사건에서 벌금을 낸 건 클라우드 업체가 아니라 캐피탈원이었죠.”하지만 그런 충격이 실제 보안 강화에 미친 영향력은 미비한 것으로 보인다. 보안 업체 라피드7(Rapid7)이 조사한 바에 의하면 “클라우드 설정 오류 때문에 발생하는 보안 사고는 아직도 지나치게 많다”고 한다. “해커들은 지금 이 순간에도 꾸준히 잘못 설정된 클라우드 저장소와 데이터베이스를 찾아 헤매고 있습니다. 매일 일어나 인터넷을 스캔하는 사람들이 전 세계에 수만~수십만 명입니다. 그런 사람들에게 있어 허술하게 설정된 클라우드를 찾는다는 건 매우 간단한 일입니다. 해킹 기술을 따로 익히지 않아도, 간단한 스캔 도구만 활용하면 손에 돈이 굴러들어오는 겁니다. 보안 설정을 간과하기 때문에 누군가는 불공평할 정도로 쉬운 삶을 살게 되는 것이죠.”밤베넥은 “클라우드 설정을 제대로 하는 것과 같은 단순한 보안 강화 노력은 자동화 기술로 처리하는 게 좋고, 그 정도 투자는 기업에서 하는 편이 현명하다”고 강조한다. “실수는 누구나 합니다. 클라우드 담당자가 몰라서 접근 설정을 하지 않는 게 아니에요. 다른 일이 많다 보니 어쩌다 빠뜨리는 것이죠. 그런 걸 내부 규정에 의거한 벌칙으로만 해결할 건가요? 매우 비효율적이며 담당자들의 사기라는 것도 전혀 북돋지 못하는 방법입니다.”다행히 이러한 측면에서 조금씩 나아지는 분위기라는 건 부인하지 못한다고 밤베넥은 설명을 덧붙인다. “클라우드 디폴트 세팅 상태로는 안전하지 않을 수 있다고 알게 된 사람들이 이전보다 많습니다. 클라우드 업체도 디폴트 세팅을 안전하게 바꿔놓고 있고, 자동화 기술을 클라우드와 결합해 사용하는 기업도 늘어나고 있고요. 다만 클라우드 사용 기업이 훨씬 빠르게 늘어나고 있으며, 그렇기 때문에 실수가 빈번하게 나타나는 겁니다.”[국제부 문가용 기자( [email protected] )]www.boannews.com) 무단전재-재배포금지>
COF 주식 – Investing.com
캐피탈 원(ISIN: US14040H1059)의 실시간 주가를 확인해 보세요. COF 주식의 과거 데이터, 기술적 분석, 재정상황 등도 조회가 가능합니다. 캐피탈 원의 시세, 전일 종가, 금일 변동, 거래량 등도 한눈에 확인하실 수 있습니다.
Capital One
Bank holding company headquartered in McLean, Virginia
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.[3] It is on the list of largest banks in the United States and has developed a reputation for being a technology-focused bank.
The bank has 755 branches including 30 café style locations[4] and 2,000 ATMs. It is ranked 99th on the Fortune 500,[5] 9th on Fortune’s 100 Best Companies to Work For list,[6] and conducts business in the United States, Canada, and the United Kingdom.[3] The company helped pioneer the mass marketing of credit cards in the 1990s.[7] In 2016, it was the 5th largest credit card issuer by purchase volume, after American Express, JPMorgan Chase, Bank of America, and Citigroup.[8]
With a market share of 5%, Capital One is also the second largest auto finance company in the United States, following Ally Financial.[9]
The company’s three divisions are credit cards, consumer banking and commercial banking. In the fourth quarter of 2018, 75% of the company’s revenues were from credit cards, 14% were from consumer banking, and 11% were from commercial banking.[3]
History [ edit ]
Monoline credit card company (1994–2004) [ edit ]
Capital One retail footprint as of 2010
On July 21, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO.[10] Signet renamed the subsidiary Capital One in October 1994,[11][12] and the spin-off was completed in February 1995.
At that time, Capital One was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards.[13] This strategy is risky in that it can lead to losses during bad times.[13] Capital One attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers.[14]
Expansion into auto loans (1996–present) [ edit ]
In 1996, Capital One moved from relying on teaser rates to generate new clients to adopting more innovative techniques that would attract more customers to their business model. At the time, it was losing customers to competitors who offered higher ceilings on loan balances and no-annual-fee accounts. The company came up with co-branded, secured, and joint account credit cards. In mid-1996, Capital One received approval from the federal government to set up Capital One FSB. This meant that the company could now retain and lend out deposits on secured cards and even issue automobile installment loans.[15]
In 1996, Capital One expanded its business operations to the United Kingdom and Canada. This gave the company access to a large international market for its credit cards. An article appearing in Chief Executive in 1997 noted that the company held $12.6 billion in credit card receivables and served more than nine million customers. The company was listed in the Standard & Poor’s 500, and its stock price hit the $100 mark for the first time in 1998.[15]
In July 1998, Capital One acquired auto financing company Summit Acceptance Corporation.[16]
In 1999, Capital One was looking to expand beyond credit cards. CEO Richard Fairbank announced moves to use Capital One’s experience with collecting consumer data to offer loans, insurance, and phone service.[17][18]
In October 2001, PeopleFirst Finance LLC was acquired by Capital One.[19] The companies were combined and re-branded as Capital One Auto Finance Corporation in 2003.[20]
In late 2002, Capital One and the United States Postal Service proposed a negotiated services agreement (NSA) for bulk discounts in mailing services.[21] The resulting three-year agreement[22] was extended in 2006.[23] In June 2008, however, Capital One filed a complaint[24] with the USPS regarding the terms of the next agreement,[25] citing the terms of the NSA of Capital One’s competitor, Bank of America. Capital One subsequently withdrew its complaint to the Postal Regulatory Commission following a settlement with the USPS.[26]
Automobile loan financer Onyx Acceptance Corporation was acquired by Capital One in January 2005.[27]
Expansion into retail banking (2005–present) [ edit ]
CapitalOne Café in Chicago
In 2005 Capital One became the first monoline credit card issuer to buy a bank, as it entered into retail banking by acquiring Hibernia National Bank.[28] It purchased the New Orleans, Louisiana-based Hibernia for $4.9 billion in cash and stock.[29] It acquired Melville, New York-based North Fork Bank for $13.2 billion in cash and stock in 2006.[30] The acquisition of retail banks greatly reduced its dependency on the credit-card business alone.[31] It acquired Netspend, a marketer of prepaid debit cards, for $700 million in 2007.[32]
During the 2007 subprime mortgage financial crisis, Capital One closed its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.[33][34][35] The U.S. Securities and Exchange Commission criticized Capital One’s conduct during the crisis, claiming that they understated auto loan losses during the financial crisis of 2007–2008. In 2013, Capital One paid $3.5 million to settle the case, but was not required to directly address the allegations of wrongdoing.[36] In 2008, Capital One received an investment of $3.56 billion from the United States Treasury as a result of the Troubled Asset Relief Program.[37][38] On June 17, 2009, Capital One completed the repurchase of the stock the company issued to the U.S. Treasury paying a total of $3.67 billion, resulting in a profit of over $100 million to the U.S. Treasury.[39]
In February 2009, Capital One acquired Chevy Chase Bank for $520 million in cash and stock.[40][41][42][43]
In January 2011, Capital One acquired Canada-based Hudson’s Bay Company’s private credit card portfolio from Synchrony Financial, then known as GE Financial.[44]
In June 2011, ING Group announced the sale of its ING Direct division to Capital One for $9 billion in cash and stock.[45] On August 26, 2011, the Federal Reserve Board of Governors announced it would hold public hearings on the Capital One acquisition of ING Direct, and extend to October 12, 2011, the public comment period that had been scheduled to end August 22.[46] The move came amidst rising scrutiny of the deal on systemic risk, or “Too-Big-to-Fail,” performance under the Community Reinvestment Act, and pending legal challenges. A coalition of national civil rights and consumer groups, led by the National Community Reinvestment Coalition, were joined by Rep. Barney Frank to challenge immediate approval of the deal. The groups argued that the acquisition was a test of the Dodd-Frank Wall Street Reform and Consumer Protection Act, under which systemically risky firms must demonstrate a public benefit that outweighs new risk before they are allowed to grow. Kansas City Federal Reserve Bank head Thomas M. Hoenig was also skeptical of the deal.[47][48] In February 2012, the acquisition was approved by regulators and Capital One completed its acquisition of ING Direct.[49] Capital One received permission to merge ING into its business in October 2012,[50] and rebranded ING Direct as Capital One 360 in November 2012.[51]
In April 2011, Capital One signed a deal with Kohl’s to handle Kohl’s private label credit card program that was previous serviced by Chase Bank for a seven-year period for an undisclosed amount.[52] The contract between the two companies was extended in May 2014.[53]
In August 2011, Capital One reached a deal with HSBC to acquire its U.S. credit card operations.[54] Capital One paid $31.3 billion in exchange for $28.2 billion in loans and $600 million in other assets. The acquisition was completed in May 2012.[55] The acquisition also included private issued credit cards for such companies as Saks Fifth Avenue, Neiman Marcus, and Lord & Taylor that were previously handled by HSBC.[56]
In February 2012, along with several other banks, Capital One announced support for the Isis Mobile Wallet payment system.[57] However, in September 2013, Capital One dropped support for the venture.[58]
In 2012, Capital One closed 41 branch locations.[59]
In February 2014, Capital One became a 25% owner in ClearXchange, a Peer-to-peer transaction money transfer service designed to make electronic funds transfers to customers within the same bank and other financial institutions via mobile phone number or email address.[60] ClearXchange was sold to Early Warning in 2016.[61]
In January 2015, Capital One acquired Level Money, a budgeting app for consumers.[62]
In 2015, Capital One closed several branch locations to leave 174 operating branches in the D.C. metro area.[63]
In July 2015, the company acquired Monsoon, a design studio, development shop, marketing house and strategic consultancy.[64]
In 2015, Capital One acquired General Electric’s Healthcare Financial Services unit, which included $8.5 billion in loans made to businesses in the healthcare industry, for $9 billion.[65]
In October 2016, Capital One acquired Paribus, a price tracking service, for an undisclosed amount.[66][67]
In July 2019, Capital One signed a deal with Walmart to handle Walmart’s private label and co-branded credit card programs that was previously serviced by Synchrony Financial.[68]
In November 2021, the company introduced Venture X, a travel rewards credit card, with a $395 annual fee.[69]
Exit from mortgage banking (2006–2007 and 2011–2017) [ edit ]
In November 2017, President of Financial Services Sanjiv Yajnik announced that the mortgage market was too competitive in the low rate environment to make money in the business.[70] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[71] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[72] GreenPoint had been acquired December 2006 when Capital One paid $13.2 billion to North Fork Bancorp Inc. The re-emergence into the mortgage industry came in 2011 with the purchase of online bank ING Direct USA.[73]
Other acquisitions [ edit ]
In May 2018, the company acquired Confyrm, a digital identity and fraud alert service.[74][75][76]
In November 2018, Capital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin, Texas start-up business; Wikibuy has no connection with Wikipedia/Wikimedia.[77]
Divisions [ edit ]
Capital One operates 3 divisions as follows:[3]
Credit cards – Capital One issues credit cards in the United States, Canada, and the United Kingdom and is the 3rd largest credit card issuer, after JPMorgan Chase and Citigroup. As of December 31, 2018, Capital One had $107.350 billion in credit card loans outstanding in the United States and $9.011 billion of credit card loans outstanding in Canada and the United Kingdom, with credit cards representing 47.3% of total loans outstanding. [3]
– Capital One issues credit cards in the United States, Canada, and the United Kingdom and is the 3rd largest credit card issuer, after JPMorgan Chase and Citigroup. As of December 31, 2018, Capital One had $107.350 billion in credit card loans outstanding in the United States and $9.011 billion of credit card loans outstanding in Canada and the United Kingdom, with credit cards representing 47.3% of total loans outstanding. Consumer banking – Capital One offers banking services, including checking accounts, saving accounts, and money market accounts via its branches and direct bank as well as retail and auto loans. As of December 31, 2018, the company had $2.864 billion in retail loans outstanding and $56.341 billion in car finance loans outstanding, representing 22.9% of total loans outstanding. [3]
– Capital One offers banking services, including checking accounts, saving accounts, and money market accounts via its branches and direct bank as well as retail and auto loans. As of December 31, 2018, the company had $2.864 billion in retail loans outstanding and $56.341 billion in car finance loans outstanding, representing 22.9% of total loans outstanding. Commercial banking – As of December 31, 2018, Capital One had $70.333 billion in loans outstanding secured by commercial, multifamily, and industrial properties, representing 28.6% of total loans outstanding.[3]
Sports marketing [ edit ]
Capital One owns the naming rights for the major sports and entertainment arena in Washington, D.C.
From 2001 to 2014, Capital One was the principal sponsor of the college football Florida Citrus Bowl, which was called the Capital One Bowl from 2003 to 2014. It sponsored a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. The name of the bowl game was changed in 2015 to the Buffalo Wild Wings Citrus Bowl.[78]
Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data.[79][80] Capital One also sponsored the EFL Cup, an English Soccer Competition, from 2012 to 2016. The company sponsored Sheffield United F.C. from 2006 to 2008. From 2009 to 2015, the University of Maryland Terrapins football team played at Capital One Field at Maryland Stadium (formerly Byrd Stadium), a naming-rights deal inherited in the bank’s acquisition of Chevy Chase Bank. In 2017, the company became the sponsor of the Capital One Arena in Washington D.C.[81][82]
In 2018, to celebrate the Washington Capitals’ second-ever Stanley Cup Finals appearance, the firm temporarily changed its logo by replacing the word “Capital” with the Capitals’ titular logo, without the “s” plural.[83][84]
Corporate citizenship [ edit ]
Capital One operates some charitable programs. The accountability organization National Committee for Responsive Philanthropy has been highly critical of Capital One’s relatively low rate of giving, stating that “Capital One’s philanthropic track record is dismal”.[85] The organization pointed out that Capital One’s donations of 0.024% of revenue were much less than the industry median of 0.11% of revenue.[85] Capital One has disputed the groups figures, saying that “… In 2011 alone, our giving totals are more than 6 times greater ($30 million) than the number given by the NCRP”.[86]
Criticism and legal actions [ edit ]
Fines for misleading customers to pay extra for services [ edit ]
In July 2012, Capital One was fined by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau for misleading millions of its customers, for example by requiring customers to pay extra for payment protection or credit monitoring when they took out a card.[87] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[88] This was the CFPB’s first public enforcement action.[89]
Automated dialing to customers’ phones [ edit ]
In August 2014, Capital One and three collection agencies entered into an agreement to pay $75.5 million to end a consolidated class action lawsuit pending in the United States District Court for the Northern District of Illinois alleging that the companies used an automated dialer to call customers’ cellphones without consent, which is a violation of the Telephone Consumer Protection Act of 1991.[90] It is notable that this legal action involved informational telephone calls, which are not subject to the “prior express written consent” requirements which have been in place for telemarketing calls since October 2013.[91]
2014 amendment to terms of use to allow personal visits [ edit ]
In 2014, Capital One amended its terms of use to allow it to “contact you in any manner we choose”, including a “personal visit . . . at your home and at your place of employment.” It also asserted its right to “modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”[92] The company stated that it would not actually make personal visits to customers except “As a last resort, . . . if it becomes necessary to repossess [a] sports vehicle”.[92] Capital One also attributed its assertion of a right to “spoof” as necessary because “sometimes the number is ‘displayed differently’ by ‘some local phone exchanges,’ something that is ‘beyond our control'”.[93]
July 2019 security breach [ edit ]
Capital One publicly acknowledged on July 29, 2019, that they had found unauthorized access had occurred ten days earlier by an individual who had breached the account and identity security of 106 million people in the United States and Canada.[94] The FBI arrested Paige Thompson, who had previously worked as a software engineer for Amazon Web Services, Capital One’s cloud hosting company. Capital One declared that Thompson had accessed about 140,000 Social Security numbers, a million Canadian social insurance numbers; 80,000 bank account numbers, and an unknown number of names and addresses of customers. Capital One began offering free credit monitoring services to those affected by the breach.[95][96]
Thompson’s employment at Amazon appears to have ended in September 2016. Amazon stated that the security vulnerability she used to access Capital One could have been discovered by anyone, the information that facilitated her activity was not gained from work at Amazon, and that she gained access via “a misconfiguration of the (Capital One-designed) web application and not the underlying (Amazon-designed) cloud-based infrastructure”.[97]
Details of the breach [ edit ]
Forensic analysis determined Thompson’s actual hacking activity occurred in March 2019, then she posted the information to different outlets over the next three months. In April she posted what came to be known[by whom?] as the “April 21 Files”, a trove of leaked data along with instructions on how to access the company’s credentials for more data extraction. In July a white-hat alerted Capital One to Thompson’s hacking activity. Thompson pleaded not guilty to charges of wire fraud and computer fraud and abuse. During the investigations and subsequent data freeze, millions of Capital One accounts were locked; their owners were unable to process financial transactions, meet payments, or gain access to their financial records.[98]
Capital One response [ edit ]
Critics lambasted the bank’s effort to downplay the hack while investigations were ongoing, and described the bank as more concerned about its image than the needs of its clients. Several Capital One customers stated that the first time they heard about the hack was through the media and the bank did not disclose the breach or explain its implications to affected customers.[99] On social media and in the mainstream press, Capital One’s contradictory July 2019 press statement was mocked[100][101] for saying “No bank account numbers or Social Security numbers were compromised,” but then listing hundreds of thousands of bank account numbers and social security numbers that were compromised.
Federal Reserve Action [ edit ]
On August 6, 2020, the Federal Reserve Board of Governors announced a cease and desist order against Capital One resulting from the breach.[102] The order mandated, among other things, significant improvements in Capital One’s governance, risk management and compliance (GRC) practices.
Lawsuits [ edit ]
Lawsuits were filed against Capital One and its employees in federal[103] and circuit courts, led by the firms Colson Hicks Eidson, Franklin D. Azar and Associates P.C., and several others.[104][105]
Additional lawsuits were filed against both Amazon and GitHub, alleging they were aware of the exploit but did not act to fix or patch the vulnerability.[106]
Government investigations [ edit ]
Relative to other large banks, Capital One has received fewer sanctions or default judgments against it.[citation needed] But some[who?] allude this is a result of its close proximity to Washington, D.C. and possible relations with federal regulators.[citation needed] In 2015 the bank disclosed that it was under federal investigation for bank fraud, money laundering, and possible racketeering charges. No further information was given and government investigators would only confirm that it was under scrutiny for “unspecified charges.”[107]
In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[108] Charging documents[109] specified Capital One failed to file suspicious activity reports, had deficiencies in its risk assessment, remote deposit capture and generally had weaknesses that compromised national bank security controls. The bank was the subject of a larger investigation that alleged funds were siphoned out of US jurisdiction to safe havens.
In January 2021, Capital one was fined $390 million by FINCEN for anti-money laundering control failure concerning a now-defunct small portfolio of check-cashing businesses that Capital One acquired around 2008 and subsequently exited from in 2014. Capital One later admitted that it failed to file thousands of suspicious activity reports and lapsed on filing currency transaction reports on around 50,000 reportable cash transactions valued around $16 billion.[110][111]
Notable office buildings [ edit ]
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