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 140
2019-07-03
Santa Ana, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Online banking issue, the 2 step verification process for my capitol one card will not allow me to login, I do not have a cell phone and my landline is a voip number, I have called 3 times to the company they have no way to bypass or to reset the account, they only say that there is nothing that they can do. They used to be able to send an email as verification they say that they do not do that any more.
Company Response: Closed with explanation
2019-07-03
Minneapolis, MN
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
2019-07-03
Brooklyn, 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
Investigation took more than 30 days
Complaint: Company name XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX company no longer in service and it still appears on my credit report, XXXX XXXX XXXX closed as of XX/XX/XXXX this company does not serve people residing in the NY state area I also have reported capital one bank which is still appearing on my report I have no business with them and they were previously removed from my report and it is on my report once again XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-07-03
Philadelphia, PA
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 reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with non-monetary relief
2019-07-03
South Florida, 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
2019-07-03
Brooklyn, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2019-07-03
Bath, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: There were a number of issues with this credit card and the charges, but the current problem is this charge off by capital one card # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.
Company Response: Closed with explanation
2019-07-03
CA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: This debt for {$14000.00} is for Capital One Bank. No date is given as to the debt. The collection agency is XXXX XXXX XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods.
Thank you.
Company Response: Closed with non-monetary relief
2019-07-03
Brooklyn, NY
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
2019-07-03
Bluntzer, 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
Company Response: Closed with non-monetary relief
2019-07-03
Cheektowaga, 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 monetary relief
2019-07-03
Montgomery, AL
Incorrect information on your report
Vehicle loan or lease: Loan
Account status incorrect
Company Response: Closed with explanation
2019-07-03
Hollywood, FL
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
2019-07-03
Phoenix, AZ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: Capital one after the company issue anew card # for the same existing account is been reporting to all 3 major credits bureaus for the last two months out the cycle of the statement for the credit card account. I dispute the account last month with capital one and told me is going to fix the problem and did not!!!!!!
Company Response: Closed with explanation
2019-07-03
Ottawa Hills, OH
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
2019-07-03
OH
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened or suggested your credit would be damaged
Complaint: Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a XXXX XXXX where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was XXXX XXXX XXXX, also used the name XXXX. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the Yamaha representative couldnt tell me anything about the debt. Also called a Yamaha phone number given to me by XXXX, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. XXXX XXXX XXXX said XXXX XXXX bought the debt, and XXXX XXXX is the third party used to collect the debt .... Ive been told so many things by XXXX XXXX XXXX, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information XXXX has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.
Company Response: Closed with explanation
2019-07-03
NJ
Struggling to pay your bill
Credit card or prepaid card: Store credit card
Credit card company won't work with you while you're going through financial hardship
Complaint: I'm working with a XXXX XXXX XXXX and they know about it before this account was place in collections, I enrolled in Debt solutions program, and I informed this company about my situation. So now this is impacting my credit or what is left of my credit I'm going to hardship time and this company din 'd work with me.
Company Response: Closed with explanation
2019-07-03
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-07-03
Chattanooga, TN
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2019-07-03
Wattenburg, CO
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 tried to dispute, explain, call email and send messages to Kohl 's Credit Card company regarding my issue with the late payments on my credit report. I explained my situation and they just tell me dispute. I just need the late payments that were not my fault ( I understand they were not Kohl 's fault either ) taken of my credit report.
The late date showing on my credit report is : XX/XX/XXXX I explained to Kohl 's in message this : '' I am trying to remove a late payment from my credit report with you all from XX/XX/XXXX. I am trying to buy a house and had identity theft and when I tried to make a payment my bank had a security freeze on my bank account I make payments with I called you guys and you all promised to remove from my credit report and now my lender pulled my credit and said that is the only thing hurting my credit. Can you all remove from my credit report please? I would appreciate it thank you '' and Kohl 's replied this : '' Thank you for contacting Kohl 's regarding the negative reporting on your Credit Report. I understand that your credit is very important. At this time we are unable to accommodate your request. It is important for Kohl 's to report accurate information to the Credit Bureaus. If you feel the payment delay was due to Kohl 's error, please fax or mail a detailed explanation of the issue to XXXX, Kohl 's Credit, XXXX XXXX XXXX, XXXX, WI XXXX. Also include any documents that may aid in our review. Please include your full name, address and phone number as it appears on your account. If you wish to further pursue this dispute, you will need to send your dispute directly to the Credit Bureaus. The addresses are : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. We appreciate the time you took to contact us and look forward to serving you again. ''
Company Response: Closed with explanation
2019-07-03
Hickory Hill, TN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I sent a mailed request to Capital One to request for a pay for deletion to remove the collection from my credit report in return for me paying the account in full instead they sent me a stall letter claiming that they can't find my information on file for the account and to submit more information when I sent my name, DOB, and ssn number to them for them to research these accounts that are reporting to all 3 credit bureaus, I also noticed a discrepancy with the different account numbers on each letter. I need for this to be investigated on why my requests are being stalled and not answered to when they have all information pertaining to these accounts on my credit profile. Please investigate.
Company Response: Closed with explanation
2019-07-03
Dallas, GA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-07-03
Baneberry, TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-07-03
Lawncrest, PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2019-07-03
San Diego, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Hello, I am trying to improve my credit score, and wanted to pay off my credit card balance. I attempted to get my debt reduced in exchange for paying it off in full. We came to an agreement about an amount. Several times during the phone call I said I was not comfortable accepting terms unless I received the offer in writing. Over the phone, they said they would report my account as settled rather than paid in full.
After I got off the phone, I looked up settlements and saw that it would hurt my credit for 7 years, and I would be penalized on taxes, even though the forgiven debt was only about 25 % of what I owe. I still paid a large portion of what I owed ( over 50 % ), but found my account was restricted. I called and said I did not want a settlement, but want to pay it in full. That is what I was asking for in the first place. Yes, I wanted fees waived, but I want it to show paid in full on my credit report.
Capital One is now saying too bad. Whether, I pay the full balance or not, they will report it as settled. This hardly seems right or legal. According to Fair Credit Act, I believe it is illegal for them to knowingly report false information.
I want to pay the balance and I want them to remove reports of late payments and report the card as paid in full. That is all I want to do.
I called several times. I spoke to a manager more than once, and they still claim there is nothing I can do. I am locked into the arrangement and that's it. I was pressured into taking the deal before researching or consulting with a financial advisor. I said I wanted to see it in writing and talk to someone first, and they said it would not still be on the table. This is not right. I had no idea how bad this would be for my credit. Why would I pay all this money just to have a bad credit score?! Especially when most of the debt was not forgiven ...
Please help.
Company Response: Closed with explanation