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 110
2019-08-06
Oxford, GA
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
Complaint: This is regarding an account listed on my credit report byCAPITAL ONE AUTO FINANCEunder account # XXXX I sent a dispute letter regarding the information that XXXX and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and XXXX responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue.
This account is being reported as a balance of {$8300.00} on my credit report however I have documentation XXXX attached ) from Capital One showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company.
What this means is there is absolutely NO WAY that XX/XX/XXXX and XX/XX/XXXX could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated.
Also, enclosed documentation also shows the account was opened AFTER the date XX/XX/XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations.
Also I respectfully demanded proof from CAPITAL ONE AUTO FINANCE that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.
XXXX-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Company Response: Closed with explanation
2019-08-06
South Florida, FL
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: When I apply for a credit card with Capital One, I am instantly rejected due to an invalid Security Alert. XXXX reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. XXXX said they had removed the fraudulent Alert after my first application for a Credit Card with Capital One, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to Capital One and have my credit restored so that it reflects my correct " perfect '' score of XXXX?
Company Response: Closed with explanation
2019-08-06
Horseneck Beach, MA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2019-08-06
Irwin, PA
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: XX/XX/19 : Both Merchant and Cardholder agree that consent was given to bill for {$69.00} of transportation service. Both Merchant and Cardholder agree that transportation service was never provided due to weather. Both Merchant and Cardholder agree that accordingly Cardholder is due a {$69.00} refund.
XX/XX/19 : Merchant does not issue refund. Cardholder files dispute with Bank.
XX/XX/19 : Bank issues Purchase Adjustment for {$69.00}.
XX/XX/19 : Bank sends letter to Cardholder reapplying charge of {$69.00}. Bank provides statement from Merchant claiming that {$69.00} was refunded in cash. Merchant provides no additional documentation pertaining to such refund. Bank unilaterally closes dispute.
XX/XX/19 : Cardholder sends letter to Bank attempting to reopen dispute. Cardholder denies ever receiving a cash refund. Cardholder also cites Mastercard Transaction Processing Rules, Section XXXX which explicitly forbids cash refunds in such cases. Cardholder requests {$69.00} credit to the same Card Account used to make the purchase per Mastercard Transaction Processing Rules, Section XXXX.
Company Response: Closed with explanation
2019-08-06
OR
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Complaint: Called Capital One Bank around the first of XXXX, XXXX to learn what happened to my money in my savings account with ING DIRECT which a summary of my account with ING dated XXXX showed a balance of {$50.00}. The person answering the phone at Capital One discovered that ING DIRECT which had been bought out by Capital One, had deducted {$25.00} as a dormant charge on or around XX/XX/XXXX and subsequently in XX/XX/XXXX sent the balance of my account to the State of Oregons unclaimed property department. I did not know of any dormant charge policy by ING DIRECT and had they sent me a notice to my address which they had on file, of money from my account going to unclaimed property in OR, I would have taken care of the situation. Now I have to go through the hassle of filing forms and getting OR to send me the money they owe me.
I was told by Capital One customer service folks that if I open an account with them, they would refund me the {$25.00} dormant charge. On XXXX, I spent 1/2 hour on the phone with 4 different persons putting me on hold and transferring me to different departments to try and get me some help. The last person I spoke with said there was nothing he could do to help me recover my {$25.00} and would not transfer me to someone who had the authority to do so. Even after I read him an email from an employee there ( XXXX ) who said if I open an account with Capital One, they would refund me the {$25.00}. The 1st 3 persons I was hooked up with did not seem to understand about ING DIRECT being bought out by Capital One and did not understand what a savings account was.
Company Response: Closed with monetary relief
2019-08-06
Newnan, GA
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
Complaint: I have spoke with Capital One Auto Finance customer service department. I have also reached out to all 3 credit bureaus numerous of times trying to resolve this issue. This account is reporting different Payment histories to all three credit bureaus. Every time I try to dispute the issue it has been returned back to me that this account is reporting accurate. I have disputed this account more than 5 times. This is hurting me tremendously and it seems as if no one is willing to take the time out to correct the issue. Credit bureaus get smart and state that Companies can report what they want and do not want to report. I am trying to gain custody of my daughter and i can not do that if my credit history is not reporting accurately for me to even rent a decent home to stay. I am tired of living in shelters. I am tired of having to share space. If someone could just please take the time out to look at what is being reported and correct the issue. I have also provided screenshots so that you can take a look for yourself.
Company Response: Closed with explanation
2019-08-06
NM
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
Complaint: There is a charge-off/past due from Capital One on my credit report with XXXX. Twice, I've told them that Capital One will not respond to my requests to prove this is my credit card. They will no longer investigate and Capital One has never responded to my inquiries. Yet XXXX continues to report the information even though I have told them that I never had a Capital One card.
Company Response: Closed with explanation
2019-08-06
Deerfield Beach, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-06
Silver Spring, MD
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: Bank is unable to generate a statement for the month of XXXX as they promised they would. They provided a statement from XX/XX/XXXX to XX/XX/XXXX. What is needed is a statement from XX/XX/XXXX to XX/XX/XXXX.
I am trying to close on a home and need a monthly statement. I've worked with the bank directly for over a month and have been told to be patient. I was told today that they are unable to produce the statement. No good explanation has been offered.
Company Response: Closed with explanation
2019-08-06
Chestnut Street, IL
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Company Response: Closed with explanation
2019-08-06
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-08-06
New Britain, CT
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-08-06
Dexter, KY
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Company Response: Closed with explanation
2019-08-06
Deerfield Beach, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-08-06
Pflugerville, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2019-08-06
Noblesville, IN
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with monetary relief
2019-08-06
Stevenson, MD
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was legally allowed by the federal bankruptcy court on XXXX XXXX in XXXX maryland to be allowed to discharge approx XXXX in unsecured credit card debt owed capital, one a limited llc, corporation.The bankruptcy final judgement occurring on or about the end of XXXX or the being of XXXX The legal department of Capital one credit in a capricious, illegal and retaliatory manner attached a lien again me and my then wife XXXX XXXX XXXX XXXX XXXX then home at : XXXX XXXX XXXX XXXX md XXXX This prevented us when our fledgling XXXX of only 7 years failed, from us selling in a free market our business and home in a timely manner. The illegal lien placed by capital one upon our principal residence prevented such a sale by us, because we lacked the funding necessary to secure legal counsel against this giant corporation. Although such action was seriously considered by us.
As a result our entire equity in our principal residence which was close to XXXX XXXX was lost when the bank who held our mortgage note foreclosed and privately sold our home to an undisclosed third party I demand this XXXX sleepy companies practices be exposed and all legal damages be paid to me XXXX XXXX XXXX and my formal spouse at the time XXXX XXXX.
Capital ones knowingly went gainst the direct court order of the federal administrative judges final verdict and the executives should be found culpable of criminal conspiracy to defraud a small business owner of their sole key asset, their home XXXX XXXX XXXX
Company Response: Closed with explanation
2019-08-06
Houston, TX
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 explanation
2019-08-06
AL
False statements or representation
Debt collection: Credit card debt
Indicated you were committing crime by not paying debt
Complaint: This particular debt was included in my bankruptcy
Company Response: Closed with explanation
2019-08-06
Key Biscayne, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I called shortly after burying my mother tk make arrangements to pay my credit bill. I made the first payment the second payment I over payed. To clear bill, and be able to use my card. The representative who made the payment arrangements even sent me flowers for condolences. Only to find out they cancelled my card after the first payment and fraudulently took my {$200.00} after ensuring me the card is still active.The company is Capital One
Company Response: Closed with explanation
2019-08-06
Glendale, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: I received a judicial summons on XX/XX/XXXX. XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm XXXXXXXX XXXX XXXXXXXX in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. Capital One is fraudulently trying to garnish my wages.
Company Response: Closed with explanation
2019-08-06
MA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: I alerted Capital on in writing, about charges that were not authorized by me, Capital one send back info showing the charges were not disputed by the merchant, I responded back stating that the charges were not mine, Captal One responded by saying that they have 60 days to respond. But I told them the charges were not authorized w/i the 60 day time period.
Those charges are still coming and Capital one has not issued me a new card
Company Response: Closed with monetary relief
2019-08-06
Stephens City, VA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with monetary relief
2019-08-06
Lathrup Village, MI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-08-06
Brooklyn, 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