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 147
2019-06-26
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX XXXX XXXX calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour.
In fact, I just got that call back typing this ...
I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.
Company Response: Closed with explanation
2019-06-26
Key Biscayne, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I received letter shipped by standard mail, dated XX/XX/2019. Letter is from XXXX, XXXX and XXXX, XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to Capital One, N.A.
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid.
Collection Agency : XXXX, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX
Company Response: Closed with explanation
2019-06-26
Charlotte, 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
Complaint: I call them on XX/XX/XXXX. And a manager call me back. But I could not get a hold of her
Company Response: Closed with explanation
2019-06-26
Fort Walton Beach, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with monetary relief
2019-06-26
Staten Island, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-06-26
Cols, 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
2019-06-26
Weston, CT
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
2019-06-26
NE
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: Receiving multiple preapproved credit card applications for a person who doesn't live here
Company Response: Closed with non-monetary relief
2019-06-26
NJ
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: Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX, XXXX And XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Company Response: Closed with non-monetary relief
2019-06-26
Fertility, PA
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 monetary relief
2019-06-26
Beldenville, WI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with monetary relief
2019-06-26
Sugar Land, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-26
Norfolk, VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-06-26
TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is XXXX XXXX XXXX XXXX they are from XXXX, VA
Company Response: Closed with explanation
2019-06-26
Primm Springs, TN
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
2019-06-26
Braintree, MA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-26
Arcadia, IL
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
2019-06-26
Fort Lauderdale, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-06-26
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with explanation
2019-06-25
FL
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Capital One illegally closed my account for inactivity. I tried to use my card today and was declined. I called Capital one and they informed me my account was closed for inactivity. They never sent me any warning notice letting me know my account was going to be closed due to inactivity. I never received a notice letting me know the account was even closed. If I would not have called them, I would have no notice the account was even closed. I requested to speak with a supervisor who basically kept repeating the account was closed and was totally unhelpful.
Company Response: Closed with explanation
2019-06-25
Detroit, MI
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-06-25
Colts Neck, NJ
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 looked at my credit report and noticed a late payment from Capital one/Saks Fifth date listed below : XXXX 2018 30 days late I am not sure how this happened. I make all my payments when I get the statement in the mail. I think that the statement never got to me.
Company Response: Closed with explanation
2019-06-25
East Rockaway, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: On XX/XX/2019, in two separate transactions, {$2000.00} was fraudently removed from my checking account via XXXX. I immediately reported this to my bank, Captial One. The first {$1000.00} transfer was credited back to my account but not the second {$1000.00}. The bank said they were able to recover the first {$1000.00} before it went through. I never heard of XXXX and subsequently learned that it if rife with fraud. Capital One should bear some responsibility since my customer profile doesn't include XXXX, which should have been a red flag. Nor was there any two factor authentication. I wasn't alerted via email regarding this transaction either. The person also attempted fraud with my XXXX account by trying to purchase multiple gift cards but XXXX flagged the activity as suspicious and put a temporary hold on my account. Capital One should have been able to do the same.
Capital One denied the claim.
Company Response: Closed with explanation
2019-06-25
Port Orange, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-06-25
San Gabriel, 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: I applied for the CapitalOne Business Spark Miles credit card when CapitalOne had the promotion of XXXX miles after {$4500.00} spend and XXXX miles after total of {$50000.00} spend within 6 months. However, upon receipt of the credit card and notice of the credit line, i was so baffled to see that they only gave me {$2000.00} credit line. It was impossible for one to spend {$50000.00} within 6 months when there is only a {$2000.00} credit line. i tried my best to complete this as to pay off all purchases immediately as they post so that I can get my credit line back for additional purchases. I think Capitalone purposely gives out next to nothing credit lines just to hinder this process of completing the purchases within the 6 months. I have excellent credit and payment history with over 800 credit score. It's insulting to give me only {$2000.00} credit line, and this is a business account too!! To make it worse, Capitalone starts counting the 6 months way too early. I was given a deadline of XX/XX/XXXX to finish the {$50000.00} task, when the card was actually mailed out in the middle of XXXX. So by the time the card arrived in my hands, Capitalone has robbed me almost half a month to complete this task. To me, this is false advertising. It's bait and switch to say the least. Get a consumer to apply for the card with promised incentives, then lowball the credit line, then don't give the full 6 months to complete the task. If you look at my other credit cards/lines, my credit history, {$2000.00} line is a joke. And if I have the full 6 months from the day I got the card and started spending with it, I would have completed the task. i tried complaining to customer service, escalated to the " rewards case manager '', and came back declining my request to extend my deadline. Our company has always a loyal capitalone customer. We put over {$400000.00} each year on our other Capitalone card. I am very disappointed in Capitalone this time on how they treat their customers.
Company Response: Closed with non-monetary relief