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 154
2019-06-18
Pasadena, CA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: On XX/XX/2019 I was illegal served a summons on behalf of XXXX XXXX XXXX. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking XXXX to verify this debt.
Company Response: Closed with explanation
2019-06-18
PA
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: I made a purchase for {$59.00} on XX/XX/XXXX. I paid the bill through on line banking on XX/XX/XXXX. The purchase was still on the statement that I received in XX/XX/XXXX along with a late fee and interest. On XX/XX/XXXX, I sent a letter to Capital One with documentation from XXXX XXXX that the bill had been paid. On XX/XX/XXXX, I was advised that the matter was being investigated. I was asked for documentation from XXXX again and sent it to a fax number that had been given to me by a customer service representative. On XX/XX/XXXX, I received a letter telling me that the dispute was closed since Capital One had not received a response to its prior letter for more information. When I called, I was told that the customer service person had given me the wrong fax number. I faxed all documents to the new fax number that was given to me on XX/XX/XXXX. On XX/XX/XXXX, I called to ask for status. I was told that I had to get a transmission form from XXXX XXXX and I was given a fax number for the form ; form sent on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told that the form was not received because the fax number was incorrect. On XX/XX/XXXX, I was in a conference call with Capital One and a representative of XXXX. XXXX faxed proof of payment to Capital One. As of today, XX/XX/XXXX, Capital One states that the proof of payment from XXXX was not received and that my original payment did not have the complete account number on it so the money paid was not credited to my account. XXXX has advised that the complete account number was on the electronica payment made on XX/XX/XXXX. My {$59.00} purchase now has become {$250.00}.
Company Response: Closed with explanation
2019-06-18
Penn Hills, 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
2019-06-18
Mill Valley, CA
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: Hello!
I filed a Chapter XXXX Bankruptcy in ( I believe ) XX/XX/XXXX, it was dismissed a few months later.
There were 3 accounts with 2 creditors ( 2 with Capital One and 1 account with XXXX XXXX XXXX ) that were all charged off in XXXX of XXXX.
I never received any communication from these creditors regarding the accounts after they were charged off.
Now, over 3 years later, between XX/XX/XXXX and XX/XX/XXXX, all XXXX of these suddenly appeared on my credit report as " failed to pay ''.
Is this legal?
Company Response: Closed with explanation
2019-06-18
Pgh, 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
2019-06-18
Kawaihae, HI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Hello, I've had my Capital One Venture account since XXXX. It was no longer my primary card but I recently decided to begin re-using the account to keep it active. I called Capital One on XX/XX/XXXX to convert from a Venture card to a Quicksilver card and have those cards mailed to us so we could begin using the accounts again. At the time of my call, my account was open and in good standing with zero issues. I explained that we'd be using the cards more often and was acknowledged by the associate, who was more than happy to have the new cards shipped our way.
Upon receiving the cards today, XX/XX/XXXX, I called Capital One to activate the cards and was informed that on XX/XX/XXXX my account was closed for inactivity and there was nothing they could do to re-open the account.
Please note the account was closed 2 days after they mailed new cards for a reason I called to prevent, and before I had a chance to receive the cards. I called them immediately upon receiving the new cards in the mail.
I am currently serving on XXXX XXXX with the XXXX and have served since XX/XX/XXXX. I read about another XXXX XXXX XXXX having his account re-opened with Capital One once they found out he served. Do I have any extra rights or ability to have my account re-considered since I have all the intent of using the account and do not want my average age of credit to take a hit with an unnecessary closure?
I appreciate any and all help and thank you for your time and assistance.
Company Response: Closed with explanation
2019-06-18
Azalea Park, FL
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
2019-06-18
Arco, CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I dont have work for long time to continue pay so i pass the bike to my friend supposed he continued pay but never did
Company Response: Closed with explanation
2019-06-18
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-06-18
MA
False statements or representation
Debt collection: Credit card debt
Told you not to respond to a lawsuit they filed against you
Complaint: In XXXX, XXXX, XXXX of XXXX after phone conversations with Capital One and XXXX XXXX they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me more time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, Capital one ( in XXXX and XX/XX/XXXX XXXX and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. judgement for Capital one XX/XX/XXXX {$6100.00}, XX/XX/XXXX {$2400.00}, XXXX XXXX XX/XX/XXXX {$2800.00}, please see attached. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. I contacted XXXX, XXXX, XXXX XXXX in XXXX to inform them and assumed they were resolved, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. I applied for a mortgage in XX/XX/XXXX and XXXX, and was shocked and blindsided to learn these judgements .were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted after I informed them of Capital one and XXXX XXXX 's actions and how they obtained these judgements.
Company Response: Closed with explanation
2019-06-18
Discovery Bay, 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
Was not notified of investigation status or results
Complaint: I had to go on Military leave for a month and i contacted all my creditors to let them know i would be unavailable to make my payments until i got back from duty. Capital One assured me that it would not be a problem but once i returned i had an alert on my credit report that i had recent late payments. I called Capital one and the Rep said it was nothing he could do so i'm forced to file a compliant against them for these two accounts.
CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX, CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-06-18
Juniper Hills, CA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Complaint: On or about XX/XX/2019, I sent Capital One a letter requesting to lower my ( APRs ) and interest rate for a couple of months until I get back on track with my credit cards payments for two credit cards. I explain to them that I was having a hardship and spoke to several representatives in the month of XX/XX/2019, XX/XX/2019, was told by XXXX a letter went out, spoke to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and she told me that the late fees will be removed for 90 days on both accounts the XXXX XXXX credit card and the Platinum credit card. I explain that I needed to pay {$25.00} a month until XX/XX/2019, due to illness and the government shut down which was told to them a few months ago because I relied on my finance income as well and he works for the government. Until XX/XX/2019 I have never paid Capital One late for years and XXXX told me I would be put in a program from the Speciality department at Capital One on XX/XX/2019, but I have never received anything in writing stating what is told to me over the phone, and every time I called back I have to start over again with another representative with the process. General letters are sent out without with Capital One un-willing to lower the interest rate of ( APR, s ) on both cards a letter was sent from the on XX/XX/19 and XX/XX/19 and everything promise over the phone was not put in writing from the Specialty department and no person to contact on the letter sent out to me.
Company Response: Closed with explanation
2019-06-18
Santa Ysabel, CA
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
Complaint: I have written it all our and sent in a good format to the cc company Capital One. But, what happened is, I charged a reservation to the card on approx. XX/XX/19 for a XX/XX/19 reservation date. When I saw the charge on my stmt I didn't recognize it and there was no phone # to call the " XXXX '' charge. I called and asked C1 if they could tell me, they said no, you have to file a dispute and they will send the info in a few days. When I go it on approx. XX/XX/19, I freaked ... '' it was my charge '' and I wanted it. On XX/XX/19 I called C1 and they said they would " submit '' this to the fraud dept to correct. I called and emailed XXXX with the Res # that I wanted to keep the reservation, they said ok once you re-pay and I had C1 re-pay. Then on XX/XX/19 XXXX sent me an email and asked for a " letter from the cc company that I had withdrawn the dispute ''. I again called C1 who said they never have done that and don't have the abilities to do that but all should be fine as it was re-paid. I spoke with XXXX to inform them of this and they said ok. It was re-paid on XX/XX/19. Then 2 weeks later on XX/XX/19 I received a cancellation of the reservation by XXXX, who now had my money and as of this date the reservation date has not even come up, so it is not that I did not show up. Which is the only way they can state that I loose my money right? I was very stressed and alarmed and called C1 and told them all, they said they would remove the charge from my account but they had to send me a letter to request my documents in order to complete the credit. I took them two more phone calls from me and another 25 days to receive their letter with the instructions. On XX/XX/19 I faxed them 19 pages as I have all this proof and believing C1 would then re-cancel the payment. In the meantime I had to make another separate reservation costing me again but believing I would get a final credit. C1 called me today XX/XX/19 and said it is " AGAINST THEIR POLICY TO ENABLE A DISPUTE TWICE ... or was visa/master cards policy ... ( she wasn't sure just said that was their position ) ''. That, ( if even true is ridiculous ) any such policy was never told to me nor do I see any such " policy '' in any written terms. And for either of them to charge me for a " FUTURE '' RESERVATION DATE THAT THEY JUST TOOK MY MONEY THEN CANCELLED MUST BE ILLEGAL '' Or at least correctable at this point. I HOPE AND PRAY THIS CAN BE CORRECTED AS AN INVALID USEROUS AS WELL AS VERY UNHELPFUL ASSISTANCE BY BOTH COMPANIES AND THAT I CAN RECEIVE MY COST BACK.
Company Response: Closed with monetary relief
2019-06-18
Quartzsite, AZ
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: Ivisited capital one website to see their offeres on credit cards they told me to electronically sign to proceed after doing that they told me i was declined. I didnt want to get prequalifiedci just wanted offers they mislead me now my credit score went down 17 points i want it restored
Company Response: Closed with explanation
2019-06-18
Arvada, CO
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Company Response: Closed with explanation
2019-06-18
Bedford, 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: These companies have fail to removed these hard inquiries on my XXXX reporting before XX/XX/XXXX and its XXXX of XXXX and most of these items still showing up as a hard inquiry
Company Response: Closed with explanation
2019-06-18
Gardnerville, NV
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
Complaint: I received an IRS notification about a issue with my 2017 tax return. Capital One NA submitted a 1099-C on XX/XX/2017 showing a cancellation of debt for my wife XXXX XXXX SSN XXXX account info XXXX for {$1900.00} I let them know they sent this information to IRS themselves and I need to know what it is so I can respond to IRS appropriately through the attorney I had to hired.
Supervisors have repeatedly told me they don't know what I am talking about and they can't find any information about my family but they won't give me any type of letter saying its a mistake or any correspondence so I can get this cleared up I need a letter from them stating its a mistake or they need to reverse whatever they sent to IRS in 2017 Respectfully XXXX XXXX
Company Response: Closed with explanation
2019-06-18
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I worked so hard to get my identity theft information off of my account. I opened a new account with Capital one to bring my credit up and I am paid almost in full on the account right now. Initially, I opened the account less than 3 mos ago and they did not send my invoice so I did not know the first payment was due till i called and they told me I was ok. Had no other issues till I accidentally made a full payment on the account when I was trying to make a lower payment and the money was returned but I immediately made a payment. I looked at my credit report and it is reporting 30-59 days late on the credit bureaus.
Company Response: Closed with non-monetary relief
2019-06-18
Azalea Park, FL
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
2019-06-18
Wrentham, MA
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
2019-06-18
Leeton, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Capital One # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Company Response: Closed with explanation
2019-06-18
Washington, DC
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Complaint: I contacted Capital One 360 to have them reverse a XXXX payment from a merchant who did not provide me with the service that I was told to transfer money for. I contacted XXXX and because the merchant had me send money they told me to contact my bank to reverse the charge. Capital One denied my claim saying it was authorized. I never said it was not authorized, I said I paid for a service that I never received!!! They usually ask you questions to clarify what happened between the merchant and myself and they did not ask those questions to properly investigate. They did not even investigate my claim for what the actual issue was.
Company Response: Closed with explanation
2019-06-18
Houston, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Capital One prepaid credit card of {$300.00}. Payed off balance and closed account in XXXX, was told refund would be issued after 30 days. Called again at that time, was told after 60 days. Called again at that time, was told check was issued, should arrive in 7-10 days. Called again after that time, was told someone would call me back. Called one week later ( today ), was told no check was ever issued, call after 90 days. The stories and timelines never add up and most of the people I speak have foreign accents. I feel that I am being scammed.
Company Response: Closed with monetary relief
2019-06-18
Bear, DE
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Company Response: Closed with explanation
2019-06-17
Poplar Bluff, MO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation