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 121
2019-07-26
Cheverly, MD
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I applied for several line increase for both of my credit cards and was denied multiple times for the same reasons as stated below : Your average monthly payment has been too low I have spoke to several customer service representatives that have reviewed my payment history and they agree that my monthly payments are well above the payment requirement of {$25.00} per month.
I make payments of {$150.00}, {$700.00}. {$400.00} {$250.00} etc. My payment history will provide proof. I recently applied and was decline again for 2 different recents.
Your average monthly payment has been too low Recent use of this accounts existing credit line has been too high I was told that the system generates the letters and it was nothing they could do. The system is incorrectly reporting my monthly payments and I'm been denied credit the credit card company says they can't correct their system.
In the past I only had to make ( 5 ) minimum payments of {$25.00} to get an automatic credit line increase. I have been denied a credit line increase for over 1 yr although my monthly payments are well above the minimum payment of {$25.00} per month.
Company Response: Closed with explanation
2019-07-26
Arco, CA
Fraud or scam
Money transfer, virtual currency, or money service: Refund anticipation check
Complaint: On XX/XX/2019 My friend gave Me {$60.00} with his Bank card to my Bank card.
So on XX/XX/2019 He lost his card There for he was force To cancel his card.
So when he cancel the card His bank took it in there on hands In took my {$60.00} off my card In that when i told my friend to Call his bank in get my refund Back.we call in they said we will refund Me .they didn't so we wait a week In the whole month of XXXX we called every day They will say we will refund u they never did So my bank told me to rech out to you guys We have captial 1bank on record with me my friend In my bank in his bank telling my bank they are going to Refund me THEY HAVE NOT .this has now made me fall Behind in my daily bills Rent, phone, credit, food personnel stuff. {$3000.00} behind Negitve impact on my credit For nothing we told this bank Several time to put the {$60.00} Back on the. Card in they keep Repeatedly saying they will in have not My friend has also put a complaint in as well This is not fare to me Or my credit this is My life
Company Response: Closed with explanation
2019-07-26
Thompsons Station, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/XXXX Capital One reported to XXXX, and XXXX that my Capital One credit card ending in XXXX, balance was {$190.00} which was correct. On XX/XX/XXXX they reported to XXXX that my balance was {$660.00} which is not correct. My credit score dropped 26 points with XXXX due to this error. I called and alerted them of the issue and they indicated that they could not help me. I asked for a supervisor of the department that had reported the wrong information and was told that the person I was speaking to was the only one that I could speak with and they could not transfer me. I am in the process of working with a bank to purchase a home and the impact of this score has been detrimental to me due to needing to have this corrected quickly. I need them to immediately correct their mistake.
Company Response: Closed with explanation
2019-07-26
Clinton, MD
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-07-26
Detroit, MI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Company Response: Closed with explanation
2019-07-26
Washington, DC
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 a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-07-26
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This is in regards to my Capital One Auto finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and Capital One to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, Capital One, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from Capital One to support my claim.
Company Response: Closed with explanation
2019-07-26
Wallington, NJ
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 explanation
2019-07-26
Itasca, IL
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
Company Response: Closed with explanation
2019-07-26
Three Bridges, NJ
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Complaint: I missed a payment for my Kohl 's charge credit card, this was in XXXX of 2015. I tried to reach out to the company to dispute this charge but they said there was notthing they could do. Please remove this late payment charge for me, because I am trying to lease a vehicle and this is stopping me from doing so. Thank you very much.
Company Response: Closed with non-monetary relief
2019-07-26
Carver, MA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019XXXX30 DAYS LATE???
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation
2019-07-26
Hinsdale, IL
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
Complaint: I have a capital one credit card account on my credit report but I don't have a capital one card or don't have access to check online about this account. I called and they want me to send a copy of my drivers license to them in order to help me.
Company Response: Closed with explanation
2019-07-26
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-26
Bessemer, AL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-07-26
Landfall Village, MN
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
Company Response: Closed with explanation
2019-07-26
Dexter, KY
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
2019-07-26
Nc State University, NC
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 explanation
2019-07-26
Maiden Rock, WI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I applied for a Capital One credit card and was denied. I called them to get an explanation of the reason for the denial. They could not say anything but the reason that was generated and makes no sense if you read it. " Based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ''. This does not explain in reason why I was denied. A person 's credit report does not provide income information. Also it does not explain how much credit I was applying for. So how can they base a decision on information they don't know. I was told to reapply that is the only thing I could do and no explanation.
Company Response: Closed with explanation
2019-07-25
Monica, IL
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
Company Response: Closed with explanation
2019-07-25
Portsmouth, VA
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
2019-07-25
PA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: My capital one 360 account was frozen because of a transaction that took place a week before. I sold property to a guy on a website and gave him my property and accepted XXXX as payment. The payment came in fine. I went to make a purchase and my card would not work. My wife looked online and it said to call them. I called and I was on the phone for about a hour while they figured out who I should talk to. Finally I ended up at the fraud department I told him what was going on and that I have proof of why this money was in my account. He told me that capital one was not going to do business with me anymore, and that when this is done they will mail me a check. He didn't give me a email or anything to send in my proof of innocents, and basically told me to deal with it. My direct deposit is set up to go into that account, I could not change it in time, right now I did not have any money in other accounts. I tried to contact the other person and got no response. I contacted the website administrators, told them what was going on. They said they could freeze the other partys account if I could provide them proof my account is under investigation for this transaction. I called capital one back. Got to the fraud department. They said they would not put why my account was under investigation in writing. He told me to file a police report and subpoena the reason from capital one. I went to file a police report they said I could not file a police report unless I had proof that this individual stole money. I tried to call capital one back, they left a note on my account to transfer me to a answer machine in the fraud department. Nobody at capital one can tell me what's going on, or who I can send my innocents to. I am now completely powerless and broke.
Company Response: Closed with explanation
2019-07-25
OH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Update to complaint Filed with ( XXXX ) XXXX consumerfinance.gov XXXX XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems Froze my credit card CAPITAL ONE BANK USA Date submitted XX/XX/XXXX Just received email From consumer finance That you were still working on this Document Upload Success Print this page Case Information Case number : XXXX Reference number : XXXX After numerous attempts Of faxing my documents to capital one they are still saying they never received them Finally they sent email with link To upload my documents Uploaded so many documents so many times Still saying never received them Finally one day they said received them But you still need to provide us with the picture of my ID back side Still have uploaded numerous times They still have my account froze My XXXX XXXX account is linked to both my credit cards with capital one which i have used since XX/XX/XXXX to pay on my account Having my personal banking information is proof enough of my identity But no thats not good enough Federal law states If your ID doesnt have your current address they can request utility bill I have, already uploaded here documents capital one has I have sent more since then that i will upload as well
Company Response: Closed with explanation
2019-07-25
Sacramento, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: On XX/XX/19 I received an email from CapitalOne stating " Your {$500.00} cash back bonus is ready and waiting-and full of potential. Redeem Now '' It listed the last four digits of my account. Further down it said, " Redeem for cash. Lower your account balance or get a check. '' So I called to redeem and spoke with both a customer service rep and a supervisor who both told me the email was an error and would not honor it.
Company Response: Closed with explanation
2019-07-25
Houston, TX
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: They refuse to open up My business account bc they were not trained to look for certain documents that I used at XXXX, XXXX, XXXX, and XXXX They told me But I didnt have the right documentation that the 5 biggest banks let me use to open a business account.
I XXXX year business owner it has been opening up business accounts since 2001 with some green peas that dont even know what a documentation looks like and they had the audacity to kick me out of their bank because I told them that they werent knowledgeable in their profession.
Company Response: Closed with explanation
2019-07-25
San Diego, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I submitted a claim here on CFPB for CapitalOne on XX/XX/19 to reinstate my card. I was contacted by a XXXX XXXX shortly after my claim. I choose to contact CapitalOne today XX/XX/19 to check on the status of my request and they mentioned they have declined my request. They also indicated that they contacted me letting me know that my request had been declined, however this never took place.
Company Response: Closed with explanation