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 207
2019-04-10
Fountainville, PA
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
2019-04-09
Mooresville, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-04-09
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2019-04-09
Jamaica, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with monetary relief
2019-04-09
Jacksonville, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-04-09
Monroeville, 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
2019-04-09
Bellerose Terrace, NY
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
2019-04-09
Woodland, WA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: My payment was due XX/XX/2019. I paid on XX/XX/2019 well before midnight EST. And I was charged {$38.00}
Company Response: Closed with monetary relief
2019-04-09
Elyria, OH
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Banking errors
Company Response: Closed with explanation
2019-04-09
Glenarden, MD
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with non-monetary relief
2019-04-09
Houston, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: I XXXX XXXX am trying to get out of a huge amount of debt without filing for bankruptcy. I have requested a cease and desist from constant calls and email 's from Capital One on two accounts that amount to {$1700.00} in debt. The accounts are near charge off standards at 120 days late. Therefore, I respectfully request any settlement offers to come to me through my email address, or by regular mail. I will do everything I can to settle my bills and avoid bankruptcy, but I will file bankruptcy if necessary.
Company Response: Closed with explanation
2019-04-09
PA
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: Beyond the last few months I had a perfect payment history and take paying my bills seriously. I recently lost my job and was going through severe financial hardship even losing a place to live so I have not had the money to pay my card with Capital One. I spoke with multiple representitives pleading for any other options or things they could do to not put negative remarks on my credit or work with me and was told they could not do anything whatsoever about late payments. This has resulted in my credit dropping over 50 points and has destroyed my ability to get any type of loan.
Company Response: Closed with explanation
2019-04-09
Jennings Lodge, OR
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.
Company Response: Closed with explanation
2019-04-09
Las Vegas, NV
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Company Response: Closed with explanation
2019-04-09
Huntsville, TX
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
2019-04-09
Cartersville, SC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: On my XXXX statement the balance subject to interest was {$1600.00} with accrued interest of that period of {$36.00} & a payment of {$130.00}. On my XXXX statement the balance subject to interest was {$1500.00}, accrued interest of {$35.00} with a payment of {$130.00}. My XXXX statement shows a balance subject to interest of {$1400.00}, accrued interest for the period of {$30.00} with a payment of {$150.00}. My XXXX statement shows a balance subject to interest of {$1300.00}, accrued interest of {$30.00} and a XXXX payment of {$150.00}. I call to inquire how the interest that accrued on my XXXX statement in the amount of {$30.00} was just {$.00} less the amount on my XXXX statement of {$30.00} despite the balance subject to interest dropping from {$1400.00} to {$1300.00} a difference of {$140.00}. After speaking to three representatives, on of which was an " account specialist, '' no one could provide a plausible explanation. The last individual said that they would have someone internally look into the matter but no one was going to contact me with an explanation, which is nothing more than an exercise in futility.
My second concerned that raised is that in XXXX of 2019 my interest rate was raised from 26.99 % to 27.15 %. In the past the expatiation I was given was the interest hikes was base on the federal reserve raising interest rates. However, the federal reserve hasn't raised interest rates and based on information for the fed chair there are no plans to do so this year. I was told today that this interest rate was based on the Pericardial Index listed in the XXXX XXXX XXXX which variable. When I inquired as to why they chose to raise my interest rate the the Index rises but have never lowered my interest rate when the same Index falls, I was not given an answer but told it would be looked into but again no one would respond to my inquiry.
Company Response: Closed with explanation
2019-04-09
Ladies Island, SC
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: Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX case # XXXX They have closed the complaint incorrectly that I opened this credit card with them when I was not living in the state of XXXX at the time, but was living in XXXX.
Company Response: Closed with explanation
2019-04-09
Milwaukee, WI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-04-09
OH
Trouble using your card
Credit card or prepaid card: Store credit card
Can't use card to make purchases
Complaint: Missed placed my kohl 's credit card. Called to get a replacement while on the phone I asked for a credit increase from {$500.00} to {$750.00}. The person on the phone check and after they ram my credit they up my limit. I received my new card and increase in the mail. Went to the store to make a purchase of a heating pad for my disability condition. They could not run my card or for that matter even locate my account in their computer. Frustrated I went home. I called kohl 's with no success. I did not receive a letter from them notifying me that the account.
Company Response: Closed with explanation
2019-04-09
Flushing, NY
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-04-09
Rncho Domingz, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-04-09
Loma Linda, 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
Investigation took more than 30 days
Company Response: Closed with explanation
2019-04-09
Cordova, TN
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Complaint: On XX/XX/2019 I purchased baby apparel for {$38.00} from Kohl 's in XXXX TN, located at XXXX XXXX XXXX XXXX XXXX. The sales representative asked me if I had any coupons and I said no. Then she asked me if I wanted to use my Kohl 's card and I said no. I told her I would like to use my credit card. And, she proceeded to tell me if I use my debit card, I can pay for the merchandise now and that will keep me from paying interest. Mind you when paying with a debit card, there is no interest. So, I said will I can go on and pay with my debit card and not worry about putting the cost on my credit card. Therefore, I gave her my debit card and she asked for my drivers license. At that time, I thought she was checking my identification. But, she proceeds to enter my license information into the register to start a credit card application and the merchant machine was asking for my credentials such as for me to verify my information and it asked for my social security number. At that time she that was the way the system could verify me. I told her to stop and give me my card and license because she was trying to trick me into opening an in store credit card. I told her that was unfair consumer practices and she wouldn't look at me. I don't know if that's the store practice but it can't be right. It is pure deception because they are trying to trick the customer into opening an account. I would like to see something done because this is very inappropriate and in my mind, criminal. Can you assist?
Company Response: Closed with explanation
2019-04-09
Brooklyn, NY
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Complaint: I took a loan out XX/XX/XXXX i paid XXXX down and I made every payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX however yet XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments does not reflect on the account. When I call them and spoke to them they told me my first initial payment I made which was XXXX dollars thats something you have to work out with the dealer I ask them about my other payments which is the XX/XX/XXXX and XX/XX/XXXX payment of XX/XX/XXXX they stated we dont see that inside our system so I. Other words I didnt make a payment until XX/XX/XXXX but I took the loan out in XX/XX/XXXX. Something isnt adding up they are using excessive loan practices also fraudulent loan practices. I am not Lian they are trying to take advantage of me and have me trap inside of a loan that I been faithfully paying I am a member of XXXX XXXX which is aflilated with XXXX and I would really like for somebody to help me in this matter.
Company Response: Closed with explanation
2019-04-09
Main Office, VA
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
Complaint: On XX/XX/2019, I applied for a XXXX XXXX with CAPITAL ONE. The card was denied because they said XXXX did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with XXXX was not frozen, but CAPITAL ONE said it was. I closed the Master card that day and do not know what kind of business CAPITAL ONE is running.
Company Response: Closed with explanation