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 117
2019-07-31
NV
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I have had this card beginning approximately XX/XX/XXXX. There have been two balance transfer 's as well as purchases throughout. I have been steadily and relentlessly been charged various of fee 's for various reason 's. Whenever i have called Capital One to try and understand how these fee 's were calculated, all I was ever able to understand was that it was too complicated to explain to me. I have wasted probably over 100 hours of phone time and an equal amount of time trying to read and understand the ever changing terms and conditions in the monthly statements.
Based upon the spreadsheet I have created, Capital One is charging me {$900.00} in various fee 's. WHICH I DISPUTE.
I have attached all my Capital One statements for the years XXXX, XXXX, XXXX, XXXX and XXXX thru the XXXX statement. I have also attached my spreadsheet which summarizes my entire history with Capital One, Month by Month with a running balance.
Company Response: Closed with explanation
2019-07-31
Fruit Cove, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with non-monetary relief
2019-07-31
Manhattan, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-07-31
Three Bridges, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I fell behind with my credit card payments, because of a brief period of hardship. I contacted them several months ago, about bringing my card current. I was informed that if I pay a lump sum, and bring my card current, my card would be available for use. I did as they said, by paying over {$300.00}. I expected the card to be available for use, until several months later, when I tried to use it, I was told by the automated system, that the card was not available. I was VERY disappointed because I sacrificed {$300.00}, as a current XXXX XXXX student, just to bring the card current and be able to use it again.
THAT WAS WHAT I WAS TOLD.
Please bear in mind that I also have a car note with this company, which is current!
Company Response: Closed with explanation
2019-07-31
Greensboro, NC
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 non-monetary relief
2019-07-31
Mem, TN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2019-07-30
Freeport, NY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-30
Baltimore, MD
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2019-07-30
Gastonia, NC
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 performed a hard inquiry on my credit report that I did not authorize.
Company Response: Closed with non-monetary relief
2019-07-30
Alexandria, VA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I have had my Capital One credit card since XX/XX/XXXX - it was the first credit card I opened and thus has my longest credit history ( 18+ years ). I received an email from Capital One on XX/XX/XXXX that they closed my account on XX/XX/XXXX due to inactivity. I received no advanced notification that they would be closing it on the XX/XX/XXXX. I received other email communications from them during this time ( offers and my monthly credit card statement notification showing a {$0.00} balance ) but nothing mentioning a XX/XX/XXXX account closing date - had I been notified of this 3 year rule or of the upcoming XX/XX/XXXX closure, I would have used the card to avoid it from happening. I talked to Capital One today and they told me that they can not reopen my account and I have to apply for a new card, thus erasing 18 years of good credit history. They stated that this is their business practice and it just feels wrong. I should have been warned that this closure was coming ( & thus be given an opportunity to take action to avoid it ). Further, to be notified six days AFTER the closure has occurred does not feel like an appropriate way to conduct business, especially when it impacts someone's credit history so drastically. How can Capital One send me emails about special offers and and my monthly statement but fail to mention in any of these communications that you are about to close the account?
Company Response: Closed with explanation
2019-07-30
Harsens Is, MI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2019-07-30
CO
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I've had this credit card for decades. While traveling overseas last year, Capital One froze my card to request copies of my driver 's license, utility bills, and other documents. I spent three weeks getting that sorted because the XXXX call center didn't understand that I only could supply a utility bill for my home address, not my mailing address. I didn't have use of the card until after I was home a month later.
Since then, my account has been flagged with the same restriction in XXXX, and again now, both times requesting I submit the exact same documents. No one at the company will explain why this keeps happening and they keep expecting me to upload these same documents via a very insecure portal which does not encrypt the data in transit.
I don't want to cancel this card because it is my oldest and that will negatively impact my credit rating, but the card has basically been rendered unusable, and the company will not provide any explanation for this poor treatment of a long-standing customer. I work in XXXX XXXX, and there is ABSOLUTELY no reason for this nonsense. This is the opposite of good security ; Capital One is forcing consumers to repeatedly send very personal data and has already shown through data breaches that they are incapable of protecting my information.
Company Response: Closed with explanation
2019-07-30
FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Capital One Credit card moved the payment date on my card, which also moved the close date for new purchases so those purchases in the extended window will be due on the new date. This effectively moved a 30 day charge cycle to a 45 day cycle. My usual charge pattern is roughly 4K per month, which I pay in full. This will cause me to owe XXXX on the next payment cycle instead of the usual XXXX, and since many of the charges are automatic, preventing them from being charged to the account in the next 15 days is impossible.
I would have expected the credit card company has notice periods and opt out to changes in billing cycle, this seems like a trap to distort the monthly expected amount to be paid to some higher amount so the credit card firm can collect interest on an account that it usually does not. Also, had I been given adequate advance notice ( 90 days ), I could have moved charges to manage the impact.
Company Response: Closed with explanation
2019-07-30
Carlsbad, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2019-07-30
Eller, NC
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 explanation
2019-07-30
Boulder, CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: CapitalOneallowedadatabreachthatXXXXhavedistributedmymostpersonalfinancialandidentificationinformation.
Company Response: Closed with explanation
2019-07-30
AZ
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: I have applied more than 5 times to have my credit card limit increased through Capital One. I have had the card for 11 and a half years now, and the limit is only at {$2100.00}. This limit has not changed for years, no matter the amount of utilization.
My wife and I make over $ 200k combined, and I have received significantly larger limit increases from other banks in the last six months ( XXXX, XXXX, XXXX, etc. ) As a result of my longevity, credit score, payment history and income, I am formerly filing this compliant to get Capital One to give me the credit limit increase that is warranted.
Company Response: Closed with explanation
2019-07-30
Corona, CA
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: On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report.
These companies are : XXXX XXXX XX/XX/XXXX Capital on Finance XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Closed with explanation
2019-07-30
Wilmington, DE
Trouble using your card
Credit card or prepaid card: Store credit card
Can't use card to make purchases
Complaint: I have made two orders to Saks.com one on XX/XX/XXXX and another on XX/XX/XXXX. I received emails stating there was an issue and I would need to reorder the items. When I called customer service for Saks I was told the charges were declined by the card issuer. I called The issuer and was told the charges were pending and had been approved. Customer service confirmed the account was open and in good standing with adequate credit available for the purchase. Neither the bank or Saks could tell me why the transactions were not going through. I would like to know the problem so it can be resolved and I can use the card without associated issues. Thanks
Company Response: Closed with explanation
2019-07-30
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-07-30
Discovery Bay, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-07-30
Indianapolis, IN
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with monetary relief
2019-07-30
Atlantic Highlands, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-30
PA
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: On Tuesday, XX/XX/2019, there was a fraudulent inquiry made on my Capital One account which is actually closed but still open with a collection agency. Capital One had a breach of consumers information to millions of customers. I received an email stating that " Looks like youre having trouble signing in. For your security, we locked your account access as of XX/XX/2019 at XXXX XXXX ET. '' I did NOT try to access my account! I am a victim of fraud due to the breach of information. I tried calling Capital One to report the fraud but the automated phone contact tried transferring me to the collection agency handling my debt.
Company Response: Closed with explanation
2019-07-30
New Milford, CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with monetary relief