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 120
2019-07-28
NY
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Closed with non-monetary relief
2019-07-28
Discovery Bay, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I opened a Khols store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.
Company Response: Closed with explanation
2019-07-28
Albuquerque, NM
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
Company Response: Closed with non-monetary relief
2019-07-27
Gilbert, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Capital One Credit card bill due the XXXX or XXXX of each for the past 2 years. Logged into account billing date changed to the XXXX.No notice, no update given. Contacted Capital One, and spoke to extremely rude, unprofessional XXXX based lut of XXXX XXXX, NV id number XXXX who spoke fast and condescending. Refused to slow down and repeat and was admint that there were no disclosures nor terms they had to disclose. XXXX continued to state that we updated our policies and those dates for a billing cycle are no longer available. I asked her for those policies and she refused. XXXX then quoted me 1-2 billing cycles to change date again. Was never informed about the changes and I stay up to date and active with my Capital One account. This is a huge impact to all consumers and credit as this can be a late payment impacting my score.
Company Response: Closed with explanation
2019-07-27
El Sobrante, CA
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
2019-07-27
NC
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 have been receiving a call from debt collection department from the capital one and everytime I called back to the number that goes to the capital one customer service, they confirmed that I had no card which was past due, and the call must be a scam. Today I happened to answer the call, lady told me that she was speaking from capital one and my card was past due and she needed my debit card number or checking card account number to take care of this payment. This was a surprise and I pulled up my online capital one account and none of my account information matched what she was talking about. She stated this account was opened back in 2015 and she agreed to transfer me over to fraud department. I was on hold on searching thru my cards in reserve in my night stand and I came across this GM card that was issued by Capital One, that I opened but decided to put it away when I wasnt able to use it through my capital one log in, although this was issued by capital one. She told me there were two XXXX charges went through this card in the month of XXXX and XXXX. For which I had no knowledge of. I nhad never received any email notification of or paper statement of. Neither those charges were authorized by me.
When I use my other cards, I get my legit charges declines until I respond to the text but this card that I havent used in five years something went thru n I didnt get any notification of.
The lady did go ahead and request my card to be replaced and stopped any further charges.
This matter was very serious to me, so I decided to call XXXX and further investigate on my own, XXXX wasnt able to find any transaction with this card number or any active account linked to this account.
I went online logged in to capital one and chatted with the capital one rep he asked me to call fraud department and ask them to dispute these transaction since they were not mine. I called and spoke with the lady name XXXX but she sounded like being in a hurry, she said ok, we will take care of it. Few minutes later she called me back and asked me to call back on Tuesday to the same fraud department and ask them to mark the transactions as fraud.
Company Response: Closed with non-monetary relief
2019-07-27
Port Charlotte, FL
Problem with customer service
Money transfer, virtual currency, or money service: Traveler's check or cashier's check
Company Response: Closed with explanation
2019-07-27
Biddeford, ME
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
2019-07-27
Nc State University, NC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Received unsolicited financial product or insurance offers after opting out
Company Response: Closed with explanation
2019-07-27
Baychester, NY
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
Company Response: Closed with explanation
2019-07-27
Beaumont, TX
Getting a loan or lease
Vehicle loan or lease: Loan
Credit denial
Company Response: Closed with explanation
2019-07-27
Nashville, TN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-07-27
Addicks Barker, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-27
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Closed with explanation
2019-07-27
Dallas, TX
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
2019-07-27
Ridley Park, PA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Complaint: I received an account update that my account was late. The account wasnt late, the payment went to another credit card. I received two late fee for the one late payment.
Company Response: Closed with monetary relief
2019-07-27
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: This account doesnt belong to me
Company Response: Closed with explanation
2019-07-27
Boistfort, WA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-07-27
Macon, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-27
Cartwright, OK
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: In XXXX of XXXX, I opened a credit card with Capital One. I never received any documentation in the mail, I paid {$100.00} on time and they charged me a late fee. Today XX/XX/XXXX, I spent roughly 30 minutes getting that " late fee waived '' I was not late on the payment. They are now keeping the {$25.00} for 3-5 days to post into account and it shows up as a missed payment.
It gets worse : XX/XX/XXXX CASH ADVANCE FEE OtherXXXX XXXX ... XXXX {$10.00} XX/XX/XXXX INTEREST CHARGE : CASH ADVANCES Interest ChargeXXXX XXXX ... XXXX {$0.00} I never used any cash advance or took cash out on the card. I paid a company {$53.00} and they are telling me the {$10.00} is from that. So they are stealing {$10.00} now with interest.
The supervisor I spoke with XXXX XXXX ( employee id ) refused to provide me with any information on how to file a written complaint. I signed up for this credit card to re-establish my credit. The way they are behaving is extremely predatory. I have a XXXX {$10.00} plus interest is a lot of money to me to just have stolen by a big credit card company.
Company Response: Closed with explanation
2019-07-27
Nyc, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: This is about three credit cards that I have with capitol one bank/ credit card company I want a contact person at capitol one 's corporate office so IF I need to speak to some one I can get straight thru and if They are not available I can leave a voice message etc except for identity theft issues, MOVIN FORWARD But before we do that these issues need to be taken care because they haven't been that is why I am writing to You folks once again to possibly have You finally do something with out me having to lose the use of my 3 capitol one credit cards, below!
Please forward my letter to the ceo 's office and for all governmental agencies please forward all suitable depts and other federal, state , county and local agencies to help me out with this issue. With the consumer financial protection bureau I am filing another complaint ( against capitol one and this is not a duplicate but basically the same with new info since they have not done anything to help me out see below ) and They need to write me back with a name/ title and direct phone # of the person handling my case via us postal service to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX landline XXXX XXXX XXXX I don't own a cell phone and don't this kind of stuff online except to write You folks~~ https : //complaint.consumerfinance.gov/submit-a-complaint/s/products? sessionid=bfbf83c693295d61d2ababd6be1a44a3e5f69e21beb1f5d9c24f44830c8b40300d37db23c8dab2a69ec90e23f74018023bc6e42ebb90e7dd5c1dcb4b9a278df0 # 500t000000KyihZAAR I will only use the last 4 digits on my cards to discuss what needs to be done and what I expect ~ for card ending in XXXX on thursday morning XX/XX/19 I called into the tel # XXXX XXXX XXXX XXXX and was on hold for over an hour before I got a XXXX XXXX person and than had to spend another 25 minutes before I got an american based operator from my phone I only want american based operators ANYWAY I called in to do 2 disputes because I got sick either from one or the other or both on wednesdayXX/XX/19XXXX XXXX XXXX for approx {$8.00} ( my receipts are gone long story ) and from XXXX XXXX approx {$6.00} ( put these items into dispute ) but because I was on hold I want at least {$100.00} for this time on top of the I believe it was {$2000.00} I had asked for previously and also I want this card to be made interest free until at least XX/XX/XXXX and for You to also apply any cash back rewards I might have on my card as well.
card ending in XXXX because I am out of work and just had XXXX XXXX I applied for a XXXX grant that I would not have to pay back thru this union plus card, I would like as of XX/XX/19 the total of {$360.00} in interest charges to be credited back to me as well as You making this card interest free thru at least XX/XX/XXXX and to get a {$2000.00} credit for my wasted phone time trying to get thru to You folks ( I realize that You want to automate and cut back on actual humans so by paying me You will better staff Your phone lines so moving forward the hold time will be much less and your actual workers won't have to much work to do since the work load can be spread out more fairly ) Card ending in XXXX I need this card to be made interest free at least thru XX/XX/XXXX and have the interest charges as of XX/XX/19 of {$72.00} credited back to me along with any outstanding cash rewards applied back to lower my balance and at least {$2000.00} for my time as Previously requested. IF You value Your customers all You can get from me at this time is good will and hopefully if You do righ by me the various agencies looking in to You won't sock You with major fines etc..
Mail Credit Card Payment Find the right address for your payment.
Mail General Correspondence Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investigate a Misapplied Payment Capital One Attn : Payment Investigations XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Dispute a Credit Card Charge Capital One Attn : Disputes XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Report Suspected Credit Card Fraud Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX https : //www.capitalone.com/ Capital One BankMore Contact info PHONE ( XXXX ) XXXX CallADDRESS XXXX XXXX XXXX XXXX XXXX VA XXXX
Company Response: Closed with monetary relief
2019-07-27
Tarzana, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Capital One has continuously tried to collect debt that was a result of identity theft, when I was sick for 3 years and had a breach in my identity through XXXX. Also, while my account is under investigation, I have continuously made monthly payments on my accounts, in an amount proposed and approved by Capital One and still, on a weekly basis, they report incorrect negative remarks and amounts to my to the credit agencies ( XXXX, XXXX, and XXXX ) ; even while my account is under dispute with the CFPB. The amounts of my balances on my two credit cards with Capital One, ending in XXXX and XXXX, are incorrect and Capital One are reporting incorrect balance amounts. Also, Capital One placed one of my accounts, ending in XXXX, in collections, after they placed me on a payment plan, while I'm making payments, and after I reported the incorrect balances to the CFPB. Also, I can no longer view my account ending in XXXX, online nor in the app, and no staff/tech staff/nor supervisor can tell me why. I have been transferred to various departments and staff to have this problem rectified and to date, it still has not been rectified. I have been told that they do not know why ; however, this causes me not to be able to see updates to my account. Also, on XX/XX/XXXX, I reported Capital One to the CFPB regarding reporting incorrect balances they continuously report to the credit agencies and regarding the fraudulent charges, and it's been over 30 days and they have not responded in resolving the issue and it's been over 20 days since they last responded to the CFPB that they are still working on the issue. But, they continue to report negative remarks and incorrect balances on a weekly basis, which have affected my credit score by over 50 points. I would like for Capital One to report the correct/updated balances of my credit card accounts to the collection agencies, resolve the fraudulent charges, take my account ending in XXXX out of collections, and fix the issue of me not being able to view my account ending in XXXX online or withing the App.
Company Response: Closed with monetary relief
2019-07-26
South Florida, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I recently lost my job and was struggling to find work, 3 creditors closed my credit cards because I had some monthly payments being reversed. Capital one ( 2 credit cards were closed with HIGH interest and late fees applied ) XXXX credit card and XX/XX/XXXX credit card as well. All 3 of those creditors closed my accounts and I am not sure why, my only guess can be the payment reversals from my bank ( XX/XX/XXXX ). XXXX is no longer my bank as I recently was a victim of a scam and fooled with a fake check. I have been undergoing extremely stressful and unfortunate situaitons and my credit score just last month ( XX/XX/XXXX-XX/XX/XXXX ) was in the 620s and it has dropped SIGNIFICANTLY for reasons I cant even understand.
Company Response: Closed with explanation
2019-07-26
Kyle, 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 monetary relief
2019-07-26
Carol City, FL
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
Company Response: Closed with explanation