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 148
2019-06-25
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/2019 I found a woman off of XXXX named XXXX who offered credit repair services. She told me for {$690.00} she would add tradelines to my credit report. XXXX asked me to use XXXX to purchase the tradelines however I did not want to use XXXX as I had a bad experience with XXXX. XXXX said she wanted me to use XXXX because XXXX had suspended her account : XXXX and told me to use her partners account XXXX XXXX 's XXXX account XXXX. XXXX told me that she got the tradelines from XXXX at XXXX XXXX ( XXXX ) XXXX and the tradelines would appear on my credit report in 30 45 days to boost my scores so I could purchase an investment property.
Between XX/XX/XXXX and XX/XX/2019 no tradelines appeared on my credit report. When I contacted XXXX XXXX, I found out XXXX did not work for XXXX XXXX and did not appear anywhere in their system. XXXX and I contacted XXXX in a three way call and she changed her story from getting the tradelines from XXXX XXXX to she was going to get the tradelines through a third party wholesaler. When I asked her for the contact information to the third party wholesaler, she told me the contact information could not be provided.
XXXX lives in XXXX but has a XXXX number and her partner XXXX has a number XXXX. After the three way call with XXXX XXXX, XXXX started avoiding my calls and would not provide me with the 'third party wholesaler ' that she claimed to have used for the tradelines.
I then contacted XXXX and reported fraud and XXXX told me I would receive a refund in 10 business day. I never got a refund.
XXXX stated XXXX and XXXX posted three tradelines on my credit report. I asked XXXX to provide me with copies of any/all written documentation showing XXXX posted tradelines on my credit reports - XXXX could not provide me with the documentation requested. I asked XXXX for the name of the tradeline brand ( e.g. XXXX XXXX, the credit limit, age of tradeline ( s ) and the date the tradelines supposedly posted to the credit report so I can confirm with the Credit Bureaus - XXXX could not provide me with information about the tradelines. I asked XXXX to provide me with the third party wholesaler 's contact information ( name, phone number, website, email ) that XXXX claimed to have used - XXXX does not have the third party wholesalers contact information. I asked XXXX for XXXX current contact information - they could not provide that information. I asked XXXX to provide me with documentation used in their investigation to confirm the tradelines posted to my credit report and I have not received any documentation from XXXX. XXXX then sent me an email stating they need an additional 75 days to conduct another investigation.
In the meantime, my Capital One card was charged {$690.00}. XXXX told Capital One and Master card that the transaction was valid based off of verbal statements from XXXX and XXXX. I told Capital One and XXXX that the transaction was relate to " the sale of certain items before the seller has control or possession of the item '', " involve certain credit repair, credit transactions '' which " involve offering or receiving payments for the purpose of bribery or corruption '' " involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. '' Which violates XXXX policy and I would like my refund. I have been scammed and would like XXXX to give me my refund of {$690.00}.
Dispute Case ID : XXXX Transaction Amount : {$690.00} USD Dispute Amount : {$690.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 I also provided XXXX, the credit bureaus and Capital One with a MP3 recording about the transaction.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2019-06-25
Rochester, MI
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 monetary relief
2019-06-25
Chicago, IL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-06-25
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
Complaint: I experienced suspicious activity indicating someone was either trying to reset my Capital One online account. This occurred on XX/XX/XXXX. I called Capitol One the night of XX/XX/XXXX to have both my accounts frozen or cancel due t suspicious activity with my account. I informed the Capital One representative that i have two accounts, a bank account and a Credit Card account .According to Capital one my call to them was made at XXXX XXXX, alerting them about the suspicious activity. The next morning on the XXXX I noticed there were charges after i called the night before, so i went ahead and called Capital One to find out what had happened. After Letting them know about my call the night before in regards to suspicious activity I would expect that the card would no longer be usable.
According to Capital One the first purchase was made on XX/XX/XXXX after XXXX at a XXXX XXXX. When i initially called capital One it was from a landmine phone which would establish a location completely far away from the the location of the initial purchase on my card the night of the purchase at XXXX XXXX. There is no way i could be in both places at the same time or even make it to the location of the XXXX XXXX purchase. Despite calling for the 2nd time in regards of the fraudulent activity clearly happening at the time, there were purchases being made up on to the XXXX of XXXX. So there was fraudulent activity/ purchases being made on my card from XX/XX/XXXX until XX/XX/XXXX.
Every Charge/purchase form XX/XX/XXXX through the XXXX all have Merchant locations which i assume have cameras. I am Stating clearly now that not a single purchase made on the XXXX through the XXXX was made by me. Since XX/XX/XXXX i have received mail from different Bank institutes informing me about New accounts trying to be opened. I have forwarded all this information such as the letters from the bank, the on-going issue with capital One with the XXXX Detective handling my claim.
Capital one has disregarded these facts. I was even informed that i didn't place a call to alert them simply because i didn't initially call specifically the Credit Card department but instead the night of XX/XX/XXXX i called the banking side. I did call them banking side explaining i had two accounts. They were aware of me having two accounts and the need to freeze both. The Fraud department claims they dont have any call placed from me, but the banking side can attest to me calling the night of The XXXX informing them about the suspicious activity. Such information for the sake of a Investigation on behalf of Capital One should be available amongst staff and all departments of the same company. They would neither provide me with any way to relay this to the fraud department to establish that I did call.
How is it that one department can establish that i did call but cant forward that information to the next department? When asked this all they say is one department has access to information the other doesn't. Its clear they are being completely negligent in regards to my case and has now made me a victim two times over. This is beyond abuse, being that one department has info that they are not willing to share with the other. This is a case of Grand Larceny and Identity theft. They are not willing to conduct a thorough investigation despite my claims, all which can be verified with my complete willingness to cooperate in any and every way.
How it is i call about suspicious activity then make purchases using the same card less than an hour later? My phone was placed in my apartment in XXXX and the purchase in XXXX XXXX was made in XXXX at night. This is clearly negligence and abuse, and no one from Capitol one is willing to look into this nor provide me with any documentation gathered or produced during the investigation period. Not only that, No one ever contacted me in regards specifically to the charges put back on my account.
All charges which I did make.
Company Response: Closed with monetary relief
2019-06-25
Bronx, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: I Wanted file a complaint against capital one for not properly assisting me in a dispute against XXXX XXXX XXXX i rented a car in the amount of {$120.00} I had the vehicle extended until XX/XX/2019 and then extended it again to XX/XX/XXXX the car rental company was suppose to pick up the vehicle and never did they contacted me XX/XX/XXXX in hopes of getting the vehicle and agreed to have it back that following Sunday however the same agent who contacted me was following me Saturday evening and sent me photos of the car and i returned the keys to him and he drove off with the vehicle again he sent me photos of the vehicle park safely at the rental car location about a week or 2 later i get a charge for {$7400.00} on my credit card i reported to capital one to dispute couldnt get my contract from XXXX XXXX XXXX and tried to get that with an agent from capital one on the phone with me and the rental car refused to give me information about the charge they left the contract open so they charged me additional days that i did not have the vehicle they charge for towing etc and there was no towing involved as the conversation that was submitted to capital can show it was no towing involved no lost keys no warrants on the car so i been charged ridiculously a large amount of money i sent in my contract to show proof of what the car is for a daily rate and the amount is a lil over XXXX however capital one had the knowledge of that information told me its gon na take 45days to fully dispute the charge where the merchant has to respond and i did too i responded and the merchant didnt and they found it sufficient enough to hold me responsible for all the charges when Im not responsible for that i do indeed know that i do owe them money but {$7400.00} is not what i owe at {$37.00} a day for a total of 53 days totals out to be {$1900.00} the contract states the daily price as capital one told me that they are only responsible to charge me for the days i has it and capital one told me the same so {$5500.00} of additional charges is frustrating so the receipts says additional days at {$67.00} a day is {$1400.00} still doesnt add up to XXXX i was only looking for help to resolve this matter and for them to properly charge whats really owed so now Im stuck with a charge on credit card that Im not responsible for because the charges are not accurate and capital one had assured me that they was disputing the charge and they did and i called for an update they said they couldnt help me i would have to reach out to merchant myself to get the matter resolved i feel like their very incompetent at doing their job because i did what was asked of me XXXX hasnt responded or even sent them any proof as to why they feel the charges are accurate but i get stuck with the charges and it wasnt a full 45 and they closed my dispute out without giving me the proper days and allowing XXXX XXXX XXXX to provide information pertaining to this dispute i feel cheated out and Ive been a loyal customer and on time credit card payments never late fees no late payments always on time and they couldnt back me up even with the solid proof before hitting the 45 day mark but instead the supervisors kept feeding me lies about helping me and they did not every time i call in for an update its no knowledge of the conversation when the calls are recorded so theres proof of wrongdoing not on end but on there end i just want a fair shot at this dispute and terms of getting this mattered resolved in which i got cheated out on
Company Response: Closed with explanation
2019-06-25
Christmas Vly, OR
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Attempted to make a $ XXXXXXXX purchase with a newly received credit card from Capital One. While at XXXX XXXX the credit card was declined. While calling capital one it was told to me it was a fraud prevention block because of the dollar amount. I contacted and verified the amount. The representative with Capital one had XXXX XXXX try it 4x and still no luck. I called again after work and waited on hold for 12 minutes before being hung up on. It was then explained they placed the card into another fraud tier that required a new card be sent out. No correspondence at all to me. When calling and talking to supervisor XXXX employee no. XXXX he had horrible customer service and could not explain the fraud or why I was getting another card. I applied for this card for the points and every purchase that gets me closer to my points is declined. They are unable to fix my points or rectify the horrible customer service. I would have went with the XXXX card had I known.
Company Response: Closed with non-monetary relief
2019-06-25
Foy, CA
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
2019-06-25
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-06-25
Chesapeake, VA
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
2019-06-25
Key Biscayne, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: i was completely shocked when i looked at my credit report and found the late payments on the dates below XX/XX/2019 XX/XX/2019 XX/XX/2019 I AM NOT SURE HOW THIS HAPPENED. I BELIEVE I MADE MY PAYMENTS TO YOU WHEN I RECEIVED MY STATEMENTS. MY ONLY THOUGHT TO THIS IS MAYBE MY MONTHLY STATEMENT HAD NOT GOTTEN TO ME.
Company Response: Closed with explanation
2019-06-25
Flushing, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-06-25
San Jose, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-25
Scottdale, PA
Fees or interest
Credit card or prepaid card: Store credit card
Charged too much interest
Company Response: Closed with monetary relief
2019-06-25
Sebring, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: We pay our bill on or around the XXXX of the month, as I'm on XXXX XXXX. The invoice usually comes on or about the XXXX. The interest charges are all over the board and we paid {$2.00} short a few months ago. When we got our statement, it was, for some reason higher by the {$2.00}. We called the company and and spoke with a man named XXXX. He said he would wave the {$27.00} late fee. At that point we agreed that what we had paid, was {$3.00} more than what it would have been. The following month we recieve a new statement which shows a {$27.00} credit but an additional charge of {$38.00} dollar late fee. We called the Company, Capital One, again. They informed us the last person did not have the authority to adjust the payment like he dis, and the {$38.00} late fee was for the origonal {$2.00} from the previous month. What that boils down to is this, They want us to pay an additional {$38.00} dollars above what the invoice should have been than wait for them to deduct the difference from the next statement. This, in my opinion, is just another way of collecting additional interest by using late fees to raise the balance of the card. Also when you do what they say, its not followed on their part. the excuse they give, is the system doesn't do it that way. How many folks are they stealing from by these types of business practices.
I hope you can help.
Company Response: Closed with monetary relief
2019-06-25
Queens, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I called my bank for my debit card to ask them customer service was rude to me I wanted to know when my card will be contactless with tap feature they were rude and hung up on me and didnt provide a response not nice I want contactless so when you make a purchase you tap instead of inserting the chip but they dont understand or know what this is when other banks already have this technology
Company Response: Closed with explanation
2019-06-25
Glendale, 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
Company Response: Closed with non-monetary relief
2019-06-25
Oak Grove, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX removed the kohls / capital one account but it still shows on XXXX and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Company Response: Closed with non-monetary relief
2019-06-25
Weston, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I supplied all the necessary documentation to capital one proving the vet killed my puppy. They refuse to credit back these charges and I refuse to pay for them. I have tried settling the account and they are rude and obnoxious. They continue to charge interest, late fees and reporting my account as written off but still shows a balance.
Company Response: Closed with explanation
2019-06-25
Dallas, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Call too much ... not even my account
Company Response: Closed with non-monetary relief
2019-06-25
Compton, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2019-06-24
Amherst, 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 explanation
2019-06-24
OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Myidentitywasstolenandthisaccountwasopen
Company Response: Closed with non-monetary relief
2019-06-24
E Setauket, NY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-24
Ft Myers, FL
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Problem with personal statement of dispute
Complaint: I called Capital One Auto Finance roughly two weeks ago for the purpose of correcting inaccuracies on my credit report. I cleary explained to the representative that I was serving my country with the U.S XXXX during the time the payment for the vehicle loan on the 2014 XXXX XXXX. I explained that I assumed the payment where being handle by my now ex-wife a the time but found out that they where not being paid. I only found out that the payment where not made because the vehicle was involved in a accident which resulted in a total loss. I was left with a car upside down on a loan in which my GAP insurance and car insurance covered most of the loan. I made a payment to settle the balance of the loan. I am trying to purchase a home but with Capital One Auto Financing reporting such negative remarks/late payment on all 3 credit bureau, this is causing me emotional distress and would never own a home but rent a house my whole life. I have attached a response from Capital One credit card that I had the same problem with payment not being made by ex wife showing the time frame of me serving my country which corresponds with the date that the vehicle started to report late.
Company Response: Closed with explanation
2019-06-24
Woodland, WA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Financial Institutions such as Capital One are Circumventing and Evading Rule E, and Consumer Protection Law 's Ref.U.S.C.1693 and others by refusing lawful payment that can NOT result in Overdraft Fee 's, and requiring only payment methods that CAN result in Overdraft Fee 's. Because this is happening to Millions of Consumers and not just me individually, and costing over 8.5 billion dollars each year, the CFPB needs to Update Rule E in order to close the loop holes, and allow Consumers the right to choose NOT to opt in, and NOT pay Overdraft Fee 's.
Company Response: Closed with explanation