CAPITAL ONE FINANCIAL CORPORATION
Consumer Complaints
There are over 39408 complaints on file for CAPITAL ONE FINANCIAL CORPORATION. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 106
2019-08-10
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: On XX/XX/2019 XXXX XXXX XXXX, XXXX sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit XXXX or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.
Company Response: Closed with explanation
2019-08-10
Tampa, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I wasnt sure which options to choose. Long story short, I was in a XXXX XXXX on XX/XX/XXXX. I was in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My wife wasnt able to pay my XX/XX/XXXX payment on my Capital One card, due to not being an authorized user. My wallet/card was also lost during the wreck. Also, the wrong payment amount is showing on the credit report, and it didnt update. We will be moving in XXXX, and we are trying to do anything to fix our credit before then. Both issues are negatively affecting my credit report.
Company Response: Closed with non-monetary relief
2019-08-10
Astoria, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-08-10
Key Biscayne, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XX/XX/XXXX I receive letter from collection agency XXXX, XXXX and XXXX, XXXX. Letter states company attempts to collect a debt from original creditor Capital One, NA and current creditor XXXX XXXX, XXXX.
I submitted complaints through the Consumer Financial Protection Bureau. The above mentioned agencies replied that debt was valid.
Debt consists of {$170000.00} owed to Capital One, on a card opened as a result of identty theft. My Social Security information was used, and a fraudulent address in XXXX was used to open the account. The card was applied for in XXXX - XX/XX/XXXX.
My XXXX XXXXXXXX phone number was used as well. I noticed that my missed call log was displaying " call answered on another device '' message onXXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX and placed a Fraud Block back then. The information will be accessible to lawyers by contacting XXXX XXXX Legal Department.
On XX/XX/XXXX I placed a police report, contacted the Credit Buraus and personally visited XXXX, XXXX and XXXX. I submitted proof of address, tax returns, the 3 credit bureaus reports, and invoices of some of my professional services as a XXXX XXXX in XXXX during some of the days when the fraudulent transactions were committed.
I also provided evidence of being out of the state during one of the dates that one of transactions took place, with hotel information and an XXXX XXXX electronic ticket. I signed a notarized affidavit of fraud and submitted it to XXXX, XXXX and XXXX as well.
XXXX told me that the process would take about a month, that I would be notified, as they had to work with XXXX XXXX, their client, to resolve the issue.
Yesterday, XX/XX/XXXX, I received a notification from XXXX that XXXX XXXX had reported the collection to my otherwise- and always- pristine credit report. My credit rating and report was damaged due to this action. I simply do not borrow money and pay my credit cards monthly in full, as it can be evidenced in my reports. Never a late payment.
I required from Capital One, by US Postal Service certified mail, that they submit to me all the evidence related to the fraudulent account such as application, payment slips, store receipts, signatures, etc. I have the right to receive all this documentation.
When I spoke to their reppresentative, he stated that their information was correct as public records place me in XXXX and that my cellular phone number line was used. All Ihave received is a letter stating that their investigation is correct and that they are not changing anything.
I need to explain that the fraudulent Capital One card never appeared on my credit reports, so I had no way to know that this was going on. Upon examination I found that my address had been changed to the fraudulent address.
At this momet I believe this fraud could come from Capital One, itself. Capital One was either negligent in their processing of applications, tobenefit from the fraud ; or the fraud might have been an inside job.
Capital One should use non-negligent and lawful practices and review the investigation with the knowledge that I am providing. I am the victim here, I am being treated like a criminal. All this process has caused countless hours of effort reviewing and submitting documentation, as well as a wide range of inconviniences and related health problems due to stress.
How could Capital One award someone a credit card with a {$10000.00} credit limit, when my credit report does not show my employment information? Let 's talk about not being negligent in their process of approving credit cards with a credible investigation of the customers. Did they realized that as a frelance XXXX on XXXX my income was extremely low for the credit limit they approved on my behalf?
I have also notified the US Post Office that identity theft that I am a victim of Identity Theft enabled by the use of a criminal postal address.
Upon studying my credit reports I found several unauthorized inquiries mostly from Capital One to my credit reports. I found that an additional XXXX XXXX credit card had been opened on my behalf. Fortunately, no charges had been made. As I called XXXX XXXX to let them know that this card was open in a fraudulent way, first thing I hear from the customer service representative is " Ms. XXXX we appologize as we know we have had trouble delivering your card '' ( Again, the XXXX address ).
It would be easier to pay the money owed as it is sitting on my savings account, however, I refuseto be the victim of these criminal actions against me. I hold Capital One, XXXX XXXX, XXXX and XXXX, XXXX and XXXX responsible of negligence, with all the negative effects this issue has provoked, including my health.
Company Response: Closed with explanation
2019-08-10
Boistfort, WA
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation
2019-08-10
Bristol, TN
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: I have asked Capital One to stop the harassing calls a couple of times now, but the calls continue. I saw 4 calls on my call blocker between XXXX and XXXX just this evening and 3 other calls earlier today. While I do owe on an account, I can not pay it as Im on permanent Social Security XXXX. I can back this up. My husband is permanently retired and on Social Security. Our income dropped when he left work. I told Capital One to stop harassment and collections as we cant pay and to take us to court would be useless. They legally can not do garnishment on ss income and we know our rights under Fair Debt Collection Practices Act. They are violating federal law with the harassing calls. They better stop. Just leave us alone.
Company Response: Closed with non-monetary relief
2019-08-10
NJ
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2019 my Capital one Credit card was billed {$13.00} for Prime Membership by XXXX XXXX which was later credited to the said account because I cancelled and joined up through a family.
I was receiving constant notices online since XX/XX/XXXX by Capital one that my account has missed payment and later, late payment to which interest was added.I have electronically replied to these notices without any reply in return so I printed these letter written and mailed them out to the dispute department on XX/XX/2019, XX/XX/2019 and a registered mail, mailed on XX/XX/2019 with all the proof given.
Capital one later sent my account into collection on XX/XX/2019 and reported this to the three major credit bureaus with a late payment balance of {$94.00} which they said was reported a ccurately.
I later found out that they closed the account for being more than 90 days late.
Below i have added the letter sent to me by the billing company .XXXX .
Company Response: Closed with monetary relief
2019-08-10
Bremen, GA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I called Capital One today and spoke to XXXX in the account services department. He advised me that I was assessed a late fee for my XXXX payment. He then advised the late fee I assessed is the fee that has been reported negatively to the credit bureau. They are reporting me paying 30 or more days past due and that is incorrect. I have never paid 30 days past due. They are reporting me for a late fee and it needs to be reported correctly.
Company Response: Closed with explanation
2019-08-10
Houston, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I made several attempts to dispute with XXXX a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX balance.
Company Response: Closed with explanation
2019-08-10
Church Hill, MS
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-08-10
Scottsdale, AZ
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account information incorrect
Company Response: Closed with non-monetary relief
2019-08-09
Calumet Park, IL
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-08-09
Patterson, MD
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: Capital one auto financing put inquiries on my credit report XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 i called and informed them that I did not consent. They said XXXX did it. I never gave XXXX my consent and asked XXXX for and documentation with my consented they couldn't provide me with anything.
Company Response: Closed with explanation
2019-08-09
Virginia Bch, VA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with non-monetary relief
2019-08-09
NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Capital One is refusing to remove a late payment on my credit card. After seeing them all over the news, I am sure that my payment wasn't applied because of the breach. This is not fair that I have had this card for years with no late payments and now they report me 30 days late in XX/XX/2019? How is that possible? I already filed a complaint with XXXX XXXX XXXX and now I am coming to the CFPB because I have never had a late payment on my account or any other accounts and now this is going to affect my credit severely. Then after my complaint to the XXXX they changed my late payment to XX/XX/2019 which proves my point that their records are all over the place and their breach is affecting my credit. My next step is to contact the attorney general or attorney to see what they can do to help me.
Company Response: Closed with explanation
2019-08-09
Albuquerque, NM
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I got a secured credit card from Capital One and was promised they report it to the credit bureau and it's not even showing a new account on my credit so wondering why it's not showing up on my credit report
Company Response: Closed with explanation
2019-08-09
FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I opened my Capital One account in XXXX of last year and since that time, have not made one late payment ; in fact, I have always paid early, and always paid well over the minimum payment amount due. I was shocked to see that after my most recent payment of {XXXX} which was well before the due date ... that my credit score had a significant drop, noting that that Capital One had closed my account. I called Capital One believing there must be an error, and was notified that it was due to return payments. These payments were a result of me using the Capital One App for payments and unfortunately, I switched bank accounts and inadvertently had a wrong number for my new bank account. When I saw the payment was not accepted, I thought perhaps it was the fault of the new bank, so I tried again, immediately, but it was again rejected. After calling my bank to determine it was not them rejecting, I double checked and realized I input the wrong bank account number in payment app & immediately fixed it. My payment cleared ; again before the due date and well above minimum payment amount. The App does not let me delete that incorrect bank info that I could tell, and this past month, I didn't catch that it defaulted to the one that was entered incorrectly, and slid the indicator to pay from what I assumed was the proper and most recently used bank account. As soon as I saw that the payment was rejected, I realized that the App defaulted to the incorrect bank account information and I resubmitted payment ; still well before the payment due date. I explained this to 5 people including 2 supervisors ; requested they reconsider the closure of the card, noting that they can review and see that this is exactly what happened and there's no dispute that I always pay early and above the amount. They indicated that these inadvertent bank issues resulted in me having 5 violations and thus, there is nothing they can do and I would have to reapply for credit. But I can not reapply for credit because their actions resulted in my credit score dropping significantly. They've harmed my livelihood and ability to get credit going forward all due to their closure for a short period of app issues, despite my stellar payments. I feel this closure is not in good faith and a review of my Card Agreement does not indicate that there closure of my account was justified. I do not believe a person that pays 100 % early and more than necessary is in violation of the Card Agreement, nor should they suffer the penalty of having my livelihood and ability to get credit going forward impacted. Add to it that my data was among those impacted by their breach, so they've caused harm to me in two manners.
Company Response: Closed with explanation
2019-08-09
Bozeman, MT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-08-09
Effingham, KS
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: I recently called Capital One to find out if any of my three accounts were part of the security breach. I have had accounts with them for 19 years. One with a {$6500.00} credit line, another with a $ XXXX credit line, and another with a $ XXXX credit line.
The rep I spoke to said he couldn't tell me if my accounts were breached although they claim they monitor accounts 24/7. He stated they would notify me by mail which isn't acceptable. This is something a customer needs to know immediately if they actually have access to this information as stated, monitoring
24/7. To date, I have still not received a notification stating whether any of my accounts were breached.
Because of their lack of cooperation, I told the representative that I wanted to close my three accounts. He repeatedly tried to talk me out of closing them, stating they do everything to protect customer accounts and customer privacy. The whole conversation sounded scripted and it is doubtful that he even gave me his real name ; he provided initials. I would argue that a XXXX XXXX account data breach is a complete failure on Capital One 's account, and I no longer feel safe having open and active Capital One lines of credit. Not only was my account information possibly compromised, but also my linked checking account information. Because of Capital One 's ineptitude, I have needed to place additional security measures on my banking account and log on repeatedly during the day to make sure money has not been stolen out of our account. We have a significant balance in our checking and our linked savings accounts, so we take this matter quite seriously.
Company Response: Closed with explanation
2019-08-09
Newberg, OR
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief
2019-08-09
Albany, OR
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Company Response: Closed with explanation
2019-08-09
Berthoud, CO
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: XXXX : KOHLS STORE XXXX XXXX EMAIL : XXXX CONTACT PHONE NUMBER XXXX On XX/XX/19 I purchased 2 pieces of jewelry that totalled {$49.00}. I continued shopping and then realized that I did not use a 20 % off coupon that I had. I went back to the jewelry counter and explained this to the clerk. I asked her if she could void the first purchase ( in amount of {$49.00} ) and ring the items through again, applying the 20 % off coupon and she said yes, she was able to do that. The second, correct transaction came to {$30.00}. I received my XXXX statement and both amounts were showing on it - {$49.00} and {$30.00}. I immediately called Kohls and placed a dispute on my account. OnXX/XX/19 I received a letter acknowledging the dispute and advising that I would be contacted with a resolution within 60 days. Yesterday,XX/XX/19 I again called Kohls and spoke to CSR Badge # XXXX. She was clueless, even though I explained the situation to her, which is not odd considering the caliber of customer service that Kohl 's continually offers. Customer Service has been an ongoing problem, I am not sure what causes the sub-standard customer service with Kohls but it is a repeated, ongoing problem. Nobody understand the situation even though it has been explained to them repeatedly AND all of the notes are clearly in my file.
CSR Badge # XXXX did not understand what I was saying and obviously she lacked the skills to read the file and figure out what was going on. I then spoke to Manager Badge # XXXX, XXXX, who was just as, if not more clueless than previous CSR. He kept telling me there was no " duplicate charge '' - even though the original complaint included the facts, that the second transaction was done because I did not use a 20 % off coupon, so the amounts were not going to be the same. It can still be a duplicate charge even if the amounts are different, the charges were for the SAME ITEMS. I again explained to this Manager what happened and again he just couldn't absorb the situation. He told me no adjustment would be made " because there was no duplicate transaction ''. Today, XXXX/XXXX/19 I called Kohls back and requested, in writing, the resolution letter that was promised to me, within 60 days, on XXXX/XXXX/19. CSR Badge # XXXX again had absolutely no clue and again told me there was no " duplicate charge ''. I then spoke to Manager Badge # XXXX and she told me the resolution letter had been sent to me already, I told her I did not receive it and asked to have a copy sent to me. She said she could not do that for me, that the letter came from the " back office '' and she did not have access to it. I asked if she could contact them and get me a copy and I was told " she had no extension to contact the back office ''. I asked if she could provide me with the contact information so I could call them and she said no, she had no contact number or information. I told her by law I needed to be sent that letter and she said that wasn't true. I then hung up the phone.
Even though I clearly explained what happened with the transactions on XX/XX/19 and provided the 2 different amounts I was charged and why, which should have been in my notes, not one CSR or Manager I spoke with could grasp this information, all they could say was " THERE WAS NO DUPLICATE TRANSACTION ''. When I AGAIN explained the situation and gave the amounts, these sharp Kohls CSR and Mgr. could not grasp it. I have not been given the resolution letter, violating my rights and I have no way to obtain this or speak with somebody that has even a shred of common sense or able to perform their job. I demand, at the very least, that I receive that resolution letter and I would also request that somebody with some common sense and able to understand English review my account to see that indeed I was charged double for the same items.
Company Response: Closed with monetary relief
2019-08-09
Fremont, CA
Opening an account
Checking or savings account: CD (Certificate of Deposit)
Confusing or missing disclosures
Company Response: Closed with explanation
2019-08-09
WA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief
2019-08-09
Alex, LA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation