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 137
2019-07-08
Bohemia, NY
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: In XXXX of XXXX I discovered a credit card that was opened in XXXX of XXXX, ( Case # XXXX ) fraudulently using my information. I reported this as identity theft to the company and opened an investigation. I have also filled out a police report and a Report on the Federal Trade Commission. The company has taking no urgency to resolve this case.
Company Response: Closed with explanation
2019-07-08
Binghamton, 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 non-monetary relief
2019-07-08
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Capital One closed my credit card account on XX/XX/2019 after my card was paid in full by XXXX XXXX on XX/XX/2019 for the transactions of {$1000.00} and {$100.00}. In XXXX they claimed the reason for closing my account was because they could not verify my identity. But My complaint against capital one is that my account was in the positive when capital closed it but on XX/XX/XXXX capital one fraudulent reported to the XXXX bureaus on XX/XX/XXXX that my account was closed was XXXX days passed due for {$2.00} causing my XXXX XXXX to drop XXXX points. even though capital one reported the account positively and accurately for XXXX, XXXX, XXXX and XXXX they fraudulent reported to the XXXX bureaus that they closed the account in XXXX. I contacted capital one about misleading the XXXX bureaus and reporting in accurate information about this account and to remove the past due reporting especially since the account was never past due when they closed it but they have ignored my requests
Company Response: Closed with explanation
2019-07-08
Tucson, AZ
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
2019-07-08
Key Biscayne, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-07-08
Philatelic Center, CA
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 recently gotten XXXX XXXX for me and my kids and I found that capital one has not one allowed someone to open a account in my name and I have a fraud alert and was not alerted to a application being put in or a card sent and used. They allowed some one to open a credit card in my XXXX yr old daughter name XXXX XXXX ssn:XXXX dob:XX/XX/XXXX I have contacted the company multiple times about both accounts I have submitted a police report and letters I writing I am asking for this company to delete the accounts my name is XXXX XXXX ssn:XXXX dob:XX/XX/XXXX
Company Response: Closed with explanation
2019-07-08
IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: We discovered several fraudulent accounts on my credit report. When attempting to contact this Bank - Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX, We have been unable to make contact. The XXXX number has limited hours and when I called today during a period they were supposed to be open, I was on hold for 20 minutes, then my call was terminated by them.
How can I report the fraud in a timely manner if they never answer their telephone.
Company Response: Closed with explanation
2019-07-08
NY
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 been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late.
I have contacted the Capital One Bank, XXXX, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Company Response: Closed with explanation
2019-07-08
Lake City, GA
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
2019-07-08
Rochdale, 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
Complaint: I have a Capital one credit card I was making a XXXX $ dollar minimum payment, without notice my minimum had raised to XXXX $ I allowed it to be okay. I asked for a credit increase over the phone and through the app and never received it with over 28 months of good payments. XX/XX/2019 I got a email from XXXX XXXX saying have a 30 day late payment I have spoken to the support and not willing to help, I never received any calls about having any late payments or missing any due dates like every other bank, my automated checking account have error and possible it never made a payment I have a family and sometimes you forget about things if this is true. Recently my wife and I inquired about a FHA mortgage loan with this bank my score was effected 37 points for this can you please understand and help me remove this error.
Company Response: Closed with explanation
2019-07-08
Alameda, NM
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
2019-07-08
Harsens Is, MI
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
Company Response: Closed with explanation
2019-07-08
Library, PA
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
Company Response: Closed with explanation
2019-07-08
Alexandria, VA
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
Company Response: Closed with non-monetary relief
2019-07-08
Salt Lake City, UT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-07-08
Communication tactics
Debt collection: I do not know
Used obscene, profane, or other abusive language
Company Response: Closed with explanation
2019-07-08
Saint Clair, MO
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
2019-07-08
Los Angeles, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-07
Leming, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: A previous complaint # XXXX had Capital One contact me and attempt to verify my identity in order to have internet access to my account. Upon verification of Social Security number, Date of Birth and three other forms of identity verification, Capital One insists on having to contact me in order to gain access to my online account.
I believe Capital One is excessive in this process that was initiated by them after months or years of doing my business with their company online. Accessing via mobile app and online to have information to my balances and transactions and making payments.
The company refuses to allow me access until I am yet verified again. I am requesting that a formal investigation into this discriminatory process be made and Capital One be held accountable in denying their loyal customers reasonable access to our accounts.
Company Response: Closed with explanation
2019-07-07
Queens, NY
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: I have a checking account at Capital One Bank with Internet access to that account. Currently I am traveling abroad ( in XXXX ), which I am doing frequently. As usual, on XX/XX/2019 I tried to access my bank account. But this time instead of being allowed access a new screen appeared ( a copy of it is attached ). That screen gives only two option how to access my account. Both of these options require that the bank sends a temporary access code by a text message to my cell number, which then I will use to complete the sign-in process to my online bank account. Because I do not have a cell phone, I called the given banks help phone number XXXX. There a bank representative insisted that I should be able to receive the temporary access code also by email as was done always in the past from abroad. After we together tried it, the bank representative also concluded that without receiving a temp code to a cell phone access to my account is not possible until I return back to my home address in USA.
The Bank rep then called someone else at the COB bank and there they told him that the bank recently made a change which eliminated the use of email and caused that without a cell phone registered with the bank and one which is also capable to receive a code by a text message access to the online bank account is not possible and that I should return back to USA to resolve this problem.
Well, it becomes apparent that COB bank recently implemented this requirement in a TOTAL secrecy without publishing a warning to their customers informing them of this added requirement. I searched the banks online User Agreement and absolutely nowhere online is there a requirement that a bank online customer must have a cell phone which is registered with the COB bank and that cell phone must be also capable of accepting abroad a text message with a temp access code.
I will be abroad several months and this inability to access my bank account is causing a hardship, because I have to use my bank account in order to pay bills and to transfer funds. In the past the bank did send me the temp access code by email and this their recent secret change to allow access only by those people who have a cell phone capable of accepting abroad a text message, instead of email as past is totally wrong. As far as I know, all other US banks use email for such purposes. Why COB bank would implement such radical change in a TOTAL secrecy without informing customers and without publishing it defies explanation.
Company Response: Closed with explanation
2019-07-07
Dacula, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-07-07
Lk Buena Vis, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: This a credit card debt for Capital One. I have provided police reports explaining I was a victim of identity theft.
Company Response: Closed with explanation
2019-07-07
Van Nuys, 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: Misleading Advertisement offering 0 % apr for 15 months on purchases. Sent an identical card that charges 25.74 % on purchases
Company Response: Closed with explanation
2019-07-07
Meridian, ID
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
2019-07-07
Stkn, CA
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