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 204
2019-04-12
Nyc, NY
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not received from closed account
Complaint: My father died on XX/XX/18. I have probated his estate and have been appointed Executrix. I have called and forwarded all required documents to Capital One on several occasions in order to obtain a XXXX and have the funds released to me. I have made numerous calls and was finally told approximately 2 weeks ago that I didn't need to wait until the CDs matured to receive the money and a check would be issued and sent to me. Today, I called the bank to see the status and was kept on hold for hours and no one was able to ascertain the status of the checks and/or account. It is clear to me that this bank intends to hold on to my money for as long as it can and has no interest in releasing the funds despite being legally obligated to do so.
Company Response: Closed with explanation
2019-04-12
Gridiron, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2019-04-12
Lake Charles, LA
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: Kohls/Capital One has listed an account on my credit reports in the amount of {$590.00}. I have disputed this item with the credit bureaus and the company did not respond with the information requested. I requested proof of the account and received nothing. I do not believe this account is mine and is blemishing my credit reports as it is negatively impacting my scores. The company states that the account meets FCRA requirements but it does not because it did not provide proof of this debt.
Company Response: Closed with explanation
2019-04-12
Smyrna, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with non-monetary relief
2019-04-12
Laurel, NY
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
2019-04-12
Hon, HI
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: Capital One called me of a period of 6 months everyday between 7 am and 9 am Hawaii standard time hounding me to pay my credit card bill when I asked them to stop calling me and harassing me also the calls were from XX/XX/2018 to XX/XX/18 daily even after I Asked them to stop calling me and put my name on the do not call register I have hundreds of calls from them which is a violation of the law all which are on my voicemail. I finally had to block them but I am still receiving calls please help me this is unacceptable their harassment.
Company Response: Closed with explanation
2019-04-12
San Diego, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-04-12
Lafayette Hl, PA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I have a Hard inquiry on my credit report for a credit card that was not adding to my accounts. Hard inquiry is on all my credit reports on XX/XX/2019.
Company Response: Closed with explanation
2019-04-12
North Hollywood, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: The company has restricted my account my balance was over my credit limit. The balance was at {$2200.00} when they offered to unrestrict my account for three consecutive payments of : Offer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was unable to comply here is an account of what I was able to do.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX Now to today I am below my credit limit on the after making another XXXX payment for XX/XX/XXXX and XX/XX/XXXX the account is XXXX. I have asked Capital One if they will provide a new offer to unrestrict the card. They have refused. I have asked for the account to be closed and we negotiate a charge off. The specialist informs me that I would not be able to negotiate that unless I did not pay on the account for a 180 days. As a consumer I would like to work with them to come to some accord that would be equitable for both parties but they will not negotiate or work with me at all.
Company Response: Closed with explanation
2019-04-12
West Brandywine, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: RE : Fraudulent charges on teenager account Claim was denied Account in question : my daughter XXXX ( XXXX year old ) On XX/XX/XXXX, I received emails ( attached ) regarding unusual activity on XXXX account. I call the bank after I log in from my app on my phone and see all these activities that are clearly not my daughters. As I talk to the agent, I find out from XXXX that her card is missing and the last transaction she recalls is purchasing food at XXXX on XX/XX/XXXX. Someone stole XXXX XXXX card and logged online to make mobile check deposits : XX/XX/XXXX check amount {$1400.00} reversed on XX/XX/XXXX XX/XX/XXXX check amount {$3400.00} rejected on XX/XX/XXXX XXXX had {$15.00} on her account on XX/XX/XXXX and was never able to charge more than what is available her card would decline if she tried.
Other charges and deposits were made all between the first and the XXXX of XXXX by the perpetrators.
1. XX/XX/XXXX Cash deposit of {$3.00} ( Monday ) Capital One in XXXX we live in XXXX XXXX and this is a school day and we have never been to branch.
2. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 3. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 4. XX/XX/XXXX Debit card purchase {$100.00} ( Tuesday ) On XX/XX/XXXX, one agent and her supervisor both told me that my daughter was called by the claim department and she confirmed she made the charges. I assured them that was untrue and they came back on the line and said that it was actually from the original conversation I had with them on XX/XX/XXXX.
I am so disappointed that the conclusion was that actually my XXXX year old daughter made all these transactions while living 45 minutes from XXXX and being in high school all day and without having the card in her possession.
The claim is closed and I received a letter stating that the charges are our responsibility. I called the claim department and was promised full details of the investigation and never received it. I would like to have someone resolve this issue.
Thank you, XXXX : XXXX XXXX.
Company Response: Closed with explanation
2019-04-12
Discovery Bay, 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
Company Response: Closed with explanation
2019-04-12
Havana, FL
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 reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief
2019-04-12
MA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: I have a secured capital one card and it's a New account. I was required to pay {$49.00} deposit for {$200.00} credit limit, which I did pay {$50.00} in total and opened the account. Before i activated my card I deposited another additional {$200.00} deposit to capital one & this deposit was done XX/XX/XXXX and cleared my bank account XX/XX/2019 my deposit should have been available 7-10 business days from XX/XX/XXXX, it's now going on 4 weeks and I have been contacting capital since XX/XX/XXXX to see where my deposit is and I'm getting the run around and they're talking about they can't find my deposit. How can't you find a customer deposit? At This point as me being a customer it feels like I'm being rob of my money. I could of just just added it to my XXXX card account which is better. I gave capital one more then enough time to research what happened to my deposit they took and since XXXX still nothing it's almost mid XXXX
Company Response: Closed with explanation
2019-04-12
Kaufman, TX
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: We had our credit report pulled and noticed that Capital One posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have thousands of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to Capital One and they stated there was nothing they could do.
Company Response: Closed with non-monetary relief
2019-04-12
Lk Buena Vis, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I was just looking for different credit card offers only, since my credit has a freeze for identify theft. I have to call the credit bureaus to unlock before I can apply, and I got a notice that I was denied when I wasn't intending to apply for the credit card at Capital One. I was just viewing the offer, and interest rates. I never applied for credit, now it's showing as a hard inquiry on my credit. I need this to be removed please it's false advertising, and false information. Thank you. XXXX XXXX
Company Response: Closed with explanation
2019-04-12
Dayton, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XXXX XXXX XXXX has purchased an account from Capitol One that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.
Company Response: Closed with explanation
2019-04-12
Wesley Chapel, FL
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
Complaint: CAPITAL ONE IS REPORTING INQUIRIES TO XXXX CREDIT REPORT THAT ARE NOT MINE.
Company Response: Closed with explanation
2019-04-12
Five Points, NC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I had a statement balance due of {$3000.00} on XX/XX/2019. I made a payment for the current balance due of {$4200.00} from my banks savings account on XX/XX/2019. I received a confirmation of payment email from my credit card company on XX/XX/2019. I received a " payment posted '' email from my credit card company on XX/XX/2019. On XX/XX/2019 I received an email from my credit card company stating that my payment was past due. After speaking with my credit card company, I was told that they posted my payment & credit my account with the balance paid " in good faith '' that my bank would pay the charge. Since I wasn't notified that my bank did not make the payment until several days after my payment was due, I was charged interest for non payment. This seems unfair as I should have been notified sooner that their was a problem with my payment to give me a chance to correct it before incurring interest.
Company Response: Closed with monetary relief
2019-04-12
NY
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Problem with personal statement of dispute
Complaint: Reports on XXXX XXXX by Capital One Bank, reporting to XXXX listing dark web information found on the credit report. Being denied employment through credit check processing indicating misleading and inaccurate personal behavior misstatements from non financial reporting. In 2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address. There are no billing statements, transaction of financials with the Capital One Bank or any other crediting bank. The email listed is registered on job boards, public websites such as XXXX for employment. Currently, XXXX XXXX provided by XXXX is reporting as a Negative on the credit report on personal information found on a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about this event and have filed claim to the FBI claiming Personal Identifiable Information, Defamation, and Identity Theft.
The right to privacy is an element of various legal traditions to restrain governmental and private actions that threaten the privacy of individuals. No one shall be subjected to arbitrary interference with his/her privacy, family, home or correspondence, nor to attacks upon his honor and reputation. Everyone has the right to the protection of the law against such interference or attacks.The right to privacy is alluded to in the Fourth Amendment to the US Constitution, which states, " The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause ''.
Company Response: Closed with explanation
2019-04-12
FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: the account was not my and eventually showing charge off on my credit profile
Company Response: Closed with non-monetary relief
2019-04-12
Wharton, NJ
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
2019-04-11
Manhattan, NY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-11
Casselberry, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-04-11
Palos Park, IL
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: ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through spark capital one. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called Capital One immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with capital one already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!
Company Response: Closed with explanation
2019-04-11
North Hollywood, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Company Response: Closed with explanation