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 184
2019-05-11
Knoxville, TN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: the company debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt captial one replied it was fraud, XXXX keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from capitol one showing it was fraud, XXXX continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email
Company Response: Closed with non-monetary relief
2019-05-11
Westminster, CA
Incorrect information on your report
Credit card or prepaid card: Store credit card
Information belongs to someone else
Company Response: Closed with explanation
2019-05-11
Long Beach, 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
Complaint: Called Capital one on XX/XX/XXXXto inquire about a late payment reported without my knowledge or consent back in XX/XX/XXXX. I've just recently became aware that I was an authorized user for my mothers account. Mother was two months past due, instead of calling both people who are accredited to the account they only notified or tried to reach my mother. Reported me as being two months late without any notification. Would like these charges removed and would like to be notified in the future if the balance is past due so I can avoid this from happening again. Thank you so much in advance
Company Response: Closed with explanation
2019-05-11
Antioch, TN
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
Company Response: Closed with explanation
2019-05-11
Newark, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with monetary relief
2019-05-10
Tarzana, CA
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: I made a payment over 3 months ago using Capital One and that payment was immediately denied. Last week that payment which happened 3 months ago was taken out of my checking account without my permission. When I called Capital One they said it was a system failure that day and the payment I originally made went through. I was told that this happened to many customers on that particular day. When this was denied I made other means of payment. When Capital One took my money out of my checking they gave me no notice and caused my debit card to be declined several times.I disputed this charge but to this day they keep giving me the run around and will not send me the forms to fill out. I called three times without any help. I took screen shots of the message i received from Capital One when the payment was denied. They have since removed that document and have covered up any wrong doing. I would love to post that screen shot here if possible. I also received a text message from Capital One that said payment was not accepted. Thank you for your time.
Company Response: Closed with explanation
2019-05-10
Las Vegas, 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
Their investigation did not fix an error on your report
Complaint: I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with non-monetary relief
2019-05-10
Plymouth Meeting, PA
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Company Response: Closed with explanation
2019-05-10
Kearns, UT
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
2019-05-10
Atlanta, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally
Company Response: Closed with explanation
2019-05-10
Anaheim, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with monetary relief
2019-05-10
Akron, OH
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Closed with explanation
2019-05-10
Winston Salem, NC
Managing an account
Checking or savings account: Other banking product or service
Fee problem
Company Response: Closed with explanation
2019-05-10
Manhattan, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2019-05-10
Palos Park, IL
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: The Capital One Auto Finance company openedXX/XX/2014 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this accoun
Company Response: Closed with explanation
2019-05-10
New Bedford, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with CXXXX ( XXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXXv site have been unbelievably helpful ; when no one else was.
Company Response: Closed with non-monetary relief
2019-05-10
Kings Ferry, NY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Capital One bank made a judgment to garnish my wages! I had this dept back in XX/XX/XXXX and not only that the judgement is saying that I am making {$600.00} a week which is false I make not even half that a week. It has been over 7 years so that statute of limitations has passed. I should not have to pay this. I have not made one payment to satisfy this dept for almost 10 years. This judgement was first made XX/XX/XXXX and it is XX/XX/XXXX. The lawyers for Capitol one are XXXX and XXXX XXXX and their number is XXXX
Company Response: Closed with explanation
2019-05-10
Palos Park, IL
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: The Capital One Bank USA NA opened XXXX XXXX,2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Company Response: Closed with explanation
2019-05-10
Gastonia, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: I entered into a promotional balance transfer transaction with my Capital One Credit Card in XX/XX/XXXX where I paid a 2-3 % fee up front and then received 0 % interest on this balance for 18 months. I was going to wait until my credit card statement indicated that my promotional period was coming to an end and therefore I need to pay the balance or be charged interest, but this disclosure never appeared on my statement. Instead I just received a statement with the interest charge once that promotional period ended. My XX/XX/XXXX statement didn't have any indication that my promotional period was ending, including in the section titled " account notifications '', which contained the following statement : " Welcome to your account notifications. Check back here each month for important updated about your account ''. This section should have disclosed the fact that my promotion was ending and if I didn't pay the balance on my statement I would be charged interest ( because that's an important update about my account ). My XX/XX/XXXX statement also didn't disclose anything, but now had a {$110.00} interest charge. Because there is a lag between when you initiate the transaction and the balance actually transfers, I was never aware from the beginning when the promotional period exactly ended ( again I was going to rely on the credit card statement ).
When I called Capital One to complain and ask that they reverse the interest charge and I'll pay the balance off immediately, they refused and said its not their policy to put this information on the statements ( even though all my other banking relationships do this and this is the very practice the CFPB was created to eliminate ) and that its on the consumer to know when the period ends. They also referenced a confirmation statement that is mailed to consumers when the balance transfer is completed which has the exact period end date, but I never received this. Its not available on my online account documents either.
This is predatory and Capital One knows that people aren't going to be aware of when this promotional period ends and therefore get hit with at least one interest payment assuming they were planning on paying down the balance.
Company Response: Closed with explanation
2019-05-10
Boston, MA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: XX/XX/2019 I ordered catering for my brothers funeral in the amount of {$710.00}. Currently I have a balance of {$130.00} on this card. Received a text message from capital one asking if I was authorizing purchase - I immediately responded yes. Caterer tried to run my credit card 8 times - all declined. Received an email from capital email on XX/XX/XXXX asking if I was authorizing purchase - since I thought I would be charged on this visa I responded no as explathe transaction was declined 8 times even though I immediately responded to their text message on my cell phone, I had to use my MasterCard to pay on XX/XX/XXXX. Highly embarrassed and caused further emotional stress during a very difficult time - there should have been no problem once I ok, d the transaction. Caterer kept asking me if I was over my limit.
Company Response: Closed with explanation
2019-05-10
Walthill, NE
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
2019-05-10
Carlsbad, NM
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
Company Response: Closed with explanation
2019-05-10
CT
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Problem with personal statement of dispute
Complaint: I recently mailed letters, as per my rights as the Fair Credit Reporting Act allows, to the three credit bureaus demanding proof of this alleged charged-off account, furnished by Capital One or remove the account from my files with them. The bureaus reported back within several weeks that they were regarding this account as valid, but I have not received any proof as to the validity of the account. Specifically, XXXX has it listed in their latest report to me that investigation complete-reported by data furnished. Capital One reports the account in such a manner yet demonstrated that the investigation, was in fact not complete in the sense of their subsequent mailing to me directly. On XX/XX/XXXX, I received a letter from Capital One requesting that I provide them with information regarding the nature of my dispute. My demand was straightforward, proof the validity of this account, the basis that it is being furnished to the credit bureaus and verify it by the manner that a holder of the right to furnish that information should, signed valid contract, chain of assignments of any holders of the alleged account and a sum certain accounting of the amount of the account, including all fees and interest. They appear to be either unable or unwilling to provide this information and if they can not prove this account, what right does Capital One have to put this information on my credit report in the first place?
Apparently they have told the three credit bureaus that the account was valid as listed yet write me asking for information pertaining to the account, showing no proof as to the positive existence of this account yet requesting information of me regarding how the account is showing on my credit reports. They should know this since they are furnishing the information and if they can not confirm that information they are placing there is correct then they should remove that information. I am familiar with the Unfair, Deceptive, Abusive Acts or Practices part of the Dodd-Frank Bill. This should certainly apply in how this company is conducting its business here. If they can not prove the validity, of this account, if it is unverifiable, they should delete it. They are violating the law otherwise. Also, along the lines of the XXXX, the account is listed as being charged-off back in XXXX, yet in XXXX they added another {$160.00} on what strongly appears to be another violation. And they list a credit limit of {$8600.00} to an account that is allegedly closed and have it listed on a couple of my credit reports at 73 % usage. I would imagine if the account was actually closed and subsequently charged-off the term usage in this matter would fall under being a deceptive act.
Company Response: Closed with explanation
2019-05-10
Van Nuys, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Capitol One is reporting a closed account in the amount of {$2100.00}. Card was opened XX/XX/XXXX. Showing derogatory as of XX/XX/XXXX and CLOSED. I never opened this card. Ever. It fraudulent. It wasn't me. I want it removed off my report ASAP.
Company Response: Closed with non-monetary relief
2019-05-10
Gretna, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have no knowledge of this credit account Capital One Bank Usa opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Company Response: Closed with explanation