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 129
2019-07-17
Bellevue, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I closed my Capital One account that was paid in full in XX/XX/XXXX and closed at that time. Capital one is reporting the XXXX balance closed account is delinquent from XX/XX/XXXX to present. How can an account be closed for over a year and a half show as delinquent? My credit score is being affected. I called Capital One and they would not help!
Company Response: Closed with non-monetary relief
2019-07-17
Chicago, IL
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: I have 3 inquires on my credit report from Capital One, I only made 1 inquiry however, I also had a fraud account opened in my name once before for Capital One. The inquiry that I made was on XX/XX/XXXX but there are 2 other inquiries dated back to XX/XX/XXXX and XX/XX/XXXX. These inquires were not made by me and I would like for them to be removed.
Company Response: Closed with non-monetary relief
2019-07-17
Brooklyn, NY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-17
TX
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: I contacted Capital One Auto Finance on XX/XX/2019 with the intent to set up some form of payment arrangements to repay the past due amount on my loan. I explained the situation that I had lost my job and recently found another job. And that this was the reason for the loan becoming delinquent. I did have a previous payment plan setup that I had a family member helping me with. But for some reason two of the payments came back as returned. This is reason why I contacted Capital One to see if there was any kind of alternative arrangements that could be made. I was advised by the representative that the account was still under the previous plan. And I was asked if I could at least make one payment of {$390.00} by XX/XX/XXXX. I stated that I could certainly do this. He advised that the car would be safe and secured from any repossession activity till this time as long as I called in by the XXXX at XXXX XXXX central time to make the payment of {$390.00}. On the morning of the XXXX I went out side and found that my vehicle was gone. That it had been picked up some time between late Tuesday evening and early Wednesday morning. I was very upset as I was mislead to the fact that my vehicle was secured and that I had a standing arrangement with Capital One. I quickly called Capital One to find out why this event had occurred and was told that it was previously in the system for this to happen since I was delinquent and that I have payments that had returned. I once again explained my situation and was told that there was no notes in the system in regards to the discussion I have previously on the XXXX. Also the representative got very short with me and argued with me when I requested that since I had a previous arrangement and was told that my vehicle was secured till the XXXX and requested that my vehicle be returned to me. He stated that since it was already repossessed that I could not have it returned and honor the agreement. I had to pay the total amount past due and any fees assessed due to the repossession. Which in that same conversation with him he gave me at least two different amounts, one of {$2200.00} and another of {$2700.00}. This is the point that I asked that since I believed that is was unfair and deceptive act, and that I believed to go against UDAAP. And that I believed that this was grounds for a possible lawsuit. And that since he was not willing to work with me, I wanted to talked to a supervisor. At this time that he could transfer me to a escalation department. I told him to proceed, so I could do what ever is needed to have this issue rectified and have the vehicle returned to me. At this time I was transferred and another representative and I went over the situation again. She advised me that she would submit a request to upper management to see if the repossession could be over turned and reinstate my original agreement and move forward with arrangements to bring the loan current. She advised that it could take a couple of days. But it was possible I might hear back later that day ( XX/XX/XXXX ). I did not receive a call until Friday XX/XX/XXXX, that I could not answer since I was at work. I have to call back on my lunch break. And was told that management had ruled in my favor as it was put and that they would have the vehicle returned to me at no charge to me. As well as no negative credit reporting for this incident. I was advised that due to the time of day and that it was Friday the lot of which my vehicle was stored would not be able to bring my car back till Monday or Tuesday of the following week. I asked that if I would be able to pick up over the weekend, and was told no that the lot did not have anyone there to process the release, they only have drivers out picking up vehicles over the weekend. I said ok that would be fine. Monday came and passed I did not hear from anyone. On Tuesday about XXXX to XXXX XXXX still did not hear anything so I called Capital One back to see if there is something else that needed to be done or if I needed to call some one else. I was advised that the release was sent over on Friday. And the request to have all of the fees paid by capital one was approved on Monday. And was advised to call the lot myself to inquire about the time they would be returning the vehicle. Of which I did but I had to leave a message the person that handles these items was busy with another person. About 30 minutes later he called back and he advised me that he had someone heading to the lot currently and that he would have the driver call me with a ETA of when he would be at my home with the vehicle. Shortly after I got off the phone with him, the driver did call and verified the address and the vehicle was returned at roughly XXXX XXXX. At this time the driver notified me that my vehicle was close to being sent to auction. He had me sign a few documents while my vehicle was still on the tow truck. All of my possession I had in the vehicle from what I could tell was bagged up and placed in my back seat and trunk. I was not given time to go thru all of it to verify if everything was there. As well as I noticed a mark on the front tires and on the back drivers side door. The driver stated that there was nothing done to the vehicle after it was picked up and that it was on camera from the time it was picked up to the time it was at the lot. After the paperwork was signed the driver got back in his vehicle and put the car back on the ground and proceeded to leave at this time I noticed damage to my windshield and to the front bumper of the vehicle where the tow arm had went under the vehicle. I immediately called Capital One to notify them of the issue and was told that I needed to take pictures of the " alleged '' damage and get one estimate of the repairs and send to a specified email address ( XXXX ). And that I had to get this sent with 14 days. And that they would go over this with the tow lot " Quality Recovery '' to figure on who would be paying for the repairs. I am waiting to hear back at this point in time. The loan information is as follows : Capital One Auto Finance, Loan # XXXX, last 6 of Vin is XXXX. Borrowers : XXXX and XXXX XXXX.
Company Response: Closed with explanation
2019-07-17
Fayetteville, GA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-17
Countryside, IL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with monetary relief
2019-07-17
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-07-17
Las Vegas, NV
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
2019-07-16
Watkins, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I always pay my account online with this particular company but this one time they notified me that the payment was received but then 30 days later i was notified that they never received the payment and that there was a 30 day late payment that was going to be put on my credit report. I have tried to fix the problem with the company because it was not my fault but they have not removed it for me.
Company Response: Closed with explanation
2019-07-16
Decatur, GA
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
2019-07-16
Itasca, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-16
Encino, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-16
Bellevue, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said the payment had been returned. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I said that is terrible customer service what can we due to fix this. They said nothing, which brings me here.
Company Response: Closed with explanation
2019-07-16
TX
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: My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX Louisiana. XXXX
Company Response: Closed with explanation
2019-07-16
Virginia Bch, 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
2019-07-16
Ft Belvoir, VA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Receivede-mailthatcreditcardhadbeenclosedaweekearlier.Nowarningwasgiven.WhencallingCapitalone,agent(XXXX)statedIshouldhaveexpecteditfromtermsofserviceIreceivedayearago.Agenttriedtostatethatallbankswillcloseforinactivity,butCapitalonewillgivenowarningaheadoftimeasapolicyandwillonlytellyouafterthefact.Atacertainpoint,agent'stonemadeitapparenttheywantedmetohangupbutIstatedIwouldliketocontinueallwhileItrytofindothercasesofthisoccurringandhowtheywerehandled.Agentbegantoclaimtheycouldnothearmeanddisconnectedcall.
Company Response: Closed with explanation
2019-07-16
Lockhart, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: I have received inaccurate reports on my credit score. I have tried in multiple occasions to verify this from the company but to no avail
Company Response: Closed with explanation
2019-07-16
Grand Prairie, TX
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-16
San Diego, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I scheduled a payment for {$200.00}, more than my monthly payment, to lower my balance. Unfortunately, the day in which it needed to be withdrawn from my account, another bill was processed and the {$200.00} payment to CapitalOne was not processed. CapitalOne interpreted this as fraud and terminated my account completely. I attempted to reach out to CapitalOne to resolve this matter, however they declined to reinstate my credit card.
Company Response: Closed with explanation
2019-07-16
Monterey, IN
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
2019-07-16
Wesley Chapel, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: On Tuesday, XX/XX/XXXX around XXXX. I called into Capital One because I book reward travel using my accrued Capital One Venture miles on Sunday, XX/XX/XXXX redeeming XXXX miles. Screenshot is attached. Capital One website stated travel was booked and gave me a booked confirmation code. I requested that the email be sent and as of today I didn't a confirmation email. So I called Capital One on the XX/XX/13 around XXXX and I explained my concerns to the rep who in turn warm transferred me to XXXX. The female rep you transferred me and XXXX identified XXXX as a Supervisor in Capital One Help Desk.
I explained the XXXX the issue and how capital one 's website was reflecting my travel arrangements as booked and confirmed. XXXX looked and said it seems there was an error in our system the travel wasn't booked. I asked how is that possible when I'm signed on and the website reflects my flight reservation on XXXX XXXX for Saturday, XX/XX/XXXX as booked and confirmed and why didn't I get a communication that my reservation was canceled. So XXXX responded with I keep asking her the same question and she doesn't know if I am telling the truth. I responded so you're calling me a liar. She said she didnt call me a liar I stated you implied that I'm not telling the truth which means I'm lying. ( I have never heard of such a thing to boldly and casually call a client a liar ) So XXXX placed me on hold and came back and said, it seems there was an error and your flight wasn't booked and she can help me book another flight. I responded with no need but I need confirmation so to make sure I understood I repeated what I heard and asked her about my miles. I asked was the miles debited she said no but I told her that capital one website reflect that my miles were debited. It seems so was getting annoyed and impatient and agitated. So I asked if she could provide me with the total number of miles I had on Friday, XX/XX/XXXX because I wanted to calculate the total number of miles. She said no..
Since I wasnt getting no where with her I asked her how do I identify who she is when I write a complaint because I don't want my complaint to be assigned to the wrong employee. She replied with I told you at the beginning of the call that my name is XXXX and I am a Supervisor. This went on for some time. I asked how do I identify you I gave examples such employee number, employee badge or last name. She said her name is XXXX and she is a supervisor. I then ask who can I write my complaint to either by email, phone or mail. She said I came submit a complaint about her to her. I found that hard to believe and ludicrous. She policing herself. Really??
Long story short I had to hang up call back explain my ordeal all over again and when I advised I was making a complaint through CFPB that is when I was transferred to the escalation department. It was during that call I learned XXXX was supposed to provide me with her employee number for easy identification and I was also informed that there were no records of her in my account nor any notes. She attempted to wipe away her tracks so that it doesnt get tagged back to her because she was completely horrible and unprofessional and as a Supervisor I hope your employees does not follow her example.
Company Response: Closed with explanation
2019-07-16
Keller, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-07-16
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I kept getting sent from automated voice message to automated voice message without direction or opportunity to speak to a person or to even address my issue My Capitolone account was paid off XX/XX/2018 and is in good standing but XXXX has a delinquent balance showing It needs corrected They continue to send balance increase offers & card upgrade offers but the incorrect information remains
Company Response: Closed with explanation
2019-07-16
KY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: XXXX - Called to verify debt. They asked for SSN, Birthday. It's an collection company. The original debt is through Capital One. XXXX XXXX XXXX sent a settlment offer on XXXX. When I called Capital One today, they stated that XXXX XXXX XXXX does not own this debt and never has ; in fact, XXXX XXXX XXXX owns this account. XXXX XXXX still tried to collect on a debt they do not owe, can not verify, and Capital One states they do not own. XXXX XXXX Inc is committing fraud.
Company Response: Closed with explanation
2019-07-16
DC
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
Complaint: I contacted Capital One regarding a recent negative remark placed on my credit report and the company refuses to remove the negative remark and or honor the program offered to cardholders for payment protection. Capital One charged a fee each month for payment protection to cardholder that opted into the program. I contacted Capital One to receive the benefits of this payment program that I paid into for numerous month, when I faced hardship. Capital One informed me the payment program was no longer available. Capital One mislead its cardholders into paying additional fees each month and did not uphold their end of the agreement. I paid into a Ponzi scheme offered by Capital One in the hopes to protect my credit and payment history in the event of a hardship. Capital did not honor their end of the agreement, reported my account in accurately to the credit bureaus as a result of them not honoring the payment program and has not returned the fees the cardholders paid into the payment program that can never be used or redeemed. The payment protection program was a scheme to get money from cardholders.
Company Response: Closed with explanation