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 210
2019-04-07
Lewisville, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: I was able to follow up withCapital One. Their Representative XXXX contact me on XX/XX/XXXX regarding my complaint I submitted XXXX. I call back and left voicemail message on XX/XX/XXXX. She didn't return my call, on XX/XX/XXXX. I call Capital One again. The Representatives tranferred me to Ms. XXXX extension, due to her phone continued going to voicemail. After speaking to Ms. XXXX she stated my account was tranferred to XXXX at ext. XXXX. Ms. XXXX tranferred me to Ms. XXXX. I begin explain to her my concerns in regards the complaint in question. Ms XXXX stated misleading & false information. That when I applied for Credit Card. I did not add rider XXXX XXXX XXXX. She stated that Capital One didnt not offer XXXX XXXX XXXX in XX/XX/XXXX, when I applied. Her statement was untrue, I ask to add riders XXXX XXXX, because I had previous Financial Problems and I wanted to make sure that my Credit Card would be protected if I had any future unexpected Financial circumstances. I didn't reach Capital One started cancel credit protection insurance XX/XX/XXXX. Ms. XXXX conduct was unethical. She became hostile and agressive when talking to me her conduct was unprofessional. Because I explained the information she was stated was false and misleading. I decided to end the call and hangup on her. I became upset and stress. This cause me to have a flare up un regards my health. She was not helpful and rude. Capital One Record all their conversations. The Managerment Executives should retrieve and research their voice recording records for playback.
Thank you for your prompt attention regarding this matter.
Company Response: Closed with explanation
2019-04-07
Orion Twp, MI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Last Fall, I ordered items from XXXX XXXX for delivery and placed the order on my Capital One card. However, some of these items were not delivered, and though it was only about {$25.00}, I decided to dispute that part of the charge through Capital One ( case # XXXX ). That was my big mistake.
After receiving a letter outlining the numerous steps required to make a claim ( including a demand for a " second opinion '' from another merchant, on its face an absurd request, as no intelligent company will offer in writing an opinion in such circumstances ), I decided to withdraw my claim. I made clear my feelings on these demands for such claims, and said I would be looking to take my business elsewhere when the account was settled and straightened out. In fact, I phrased it this way ; " Please put all legitimate charges back on my account so I may pay it in full and close out this account. I will take my business elsewhere while I decide how to pursue this matter further. '' From this, several months later ( XXXX XXXX XXXX XXXX ), someone decided to close this account, without such a request from me, or without notifying me of any such action. The claim was that even without an actual request for CapOne to close this account, someone did so, months after the letter was received and many more months after the original claim. I only knew this happened because I attempted to use the card and was embarrassed to have the merchant tell me it was declined.
I called to CapOne 's " customer service '', spoke to Employee XXXX, and was told only then of the closure. The reason given was that I had requested it be closed. I inquired when and how that happened, and only after some time was it claimed that my original letter to CapOne was a request to close the account. I also inquired how Capital One closed accounts, and what information was required in order to perform that task. After quite a few long pauses and some " ummm ... uhhh ... '' I was put on hold so this person could " research '' the facts. I was then told that such information was " proprietary '', and not available to customers. In other words, if someone wants to close an account, we apparently have to guess at what information Capital One needs to perform this task.
As both this conversation as well as the requests made in order to dispute a claim seem on their very face to be completely absurd, I am writing in search of answers to the following : Can they really require a statement from a third-party merchant simply to dispute a charge?
I had intended to close this account at some point, but clearly no such request was made specifically in my original letter. How does the CapOne staff see a demand to close an account in the statement listed above or in the original letter?
If indeed that was a request to close my account, it was made in Fall of last year, and the account was only closed in XX/XX/2019. Why the massive delay?
Who specifically decided this letter represented a demand to close the account?
Why was the representative I spoke to in XXXX so unable to answer my questions? I hope you can retrieve the recorded call. I asked her to maintain the call, and for a reference number for the call itself, but was told no such reference exists.
How will this closure be reported to the credit monitoring bureaus?
Why can CapOne not provide customers direct answers to direct questions? How to close one 's account should be basic, and have a simple answer.
I hope you can give this issue the attention I believe such questions deserve. Thank you for your time and attention to this matter, and I look forward to a reply soon.
Company Response: Closed with explanation
2019-04-07
ID
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: On XX/XX/2018, I made a purchase to -- what I thought was -- the XXXX Official website. I made the purchase of a {$320.00} XXXX XXXX for a XXXX present. This ended up being a fictitious website from XXXX that was taken down soon after I paid for the product. I tried to cancel the purchase, but I was told by Capital One that it would be fine and if it did not show up, then I would be covered by their Customer Protection Plan. I tried to cancel my order with the people from the website through email, but they assured me they were a legitimate company. I waited and nothing was delivered on the expected date, so I filed for a refund. I received that refund on XX/XX/XXXX. Nothing was delivered until XX/XX/XXXX, which was after XXXX, and it was not what I ordered. I received a XXXX XXXX instead of a XXXX XXXX, so I figured I would have been taken care of by Capital One.
On XX/XX/XXXX, Capital One took back the previous refund from XX/XX/XXXX and requested more information. I sent them emails between the seller and, a tracking number from the transaction, and pictures of what I received with the same tracking number.
On XX/XX/XXXX, Capital One gave me the refund, however, on XX/XX/XXXX they took back my refund twice so now the missing cost was {$650.00}. The Capital One person I talked to on the phone said they gave me the credit twice which was incorrect. Upon review, he refunded the one charge of {$320.00} and told me I needed a third-party letter for this dispute. I did get a third-party letter, but since this was a scam website, the third-party letter was not structured how they wanted it to be. They have not listened to the evidence I have provided them with that this purchase was a scam.
I have not heard anything back from Capital One under these circumstances, and I need help to get my rightful refund and to keep these businesses honest. If you have any questions or need any proof of these transactions, please contact me. I am ready to get this resolved.
Company Response: Closed with explanation
2019-04-07
Brooklyn, NY
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted you after you asked them to stop
Complaint: I received a number of misleading threatening phone calls over a span of several years from XXXX XXXX XXXX who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company
Company Response: Closed with explanation
2019-04-07
Orion Twp, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits.
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Company Response: Closed with explanation
2019-04-06
Dayton, OH
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
Company Response: Closed with explanation
2019-04-06
Drexel Hill, 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
2019-04-06
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Capital One There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores.
Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Company Response: Closed with explanation
2019-04-06
Brooklyn, IA
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
2019-04-06
Ventnor Heights, 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
2019-04-06
Bedford, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Closed with explanation
2019-04-06
Brooklyn, NY
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 case # XXXX The amount {$10000.00} Someone that i know personally opened credit cards and use my identity and also got apartments and jobs and a i.d . in my name.And i got a letter stating that they are garnishing my hard earned money out my account and seizing all my wages ... for something i did not do ... or had no knowledge about.until after the fact the debt collector showed me transactions and the persons name on it ... .when i saw XXXX XXXX and XXXX XXXX ... under the transacations i then know what they did ... they open a business account in my name and made and put there names on it ... and had the cards sent to them ... .they made it look like i authorized it but i didint. so i filed a police report. because this is nonsense .... i shouldnt be having to through this.
also XXXX XXXX the amount of {$2200.00}
Company Response: Closed with non-monetary relief
2019-04-06
Bedford, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Closed with explanation
2019-04-06
Sanders, KY
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Complaint: I opened a capital one 360 in XXXX and after few days I received a wire transfer in XX/XX/2018 and the last wire transfer i recived was XX/XX/2018, amount {$3300.00}. I withdraw first via ACH payment because they have no capital one branch in the state where i live and then i requested for a debit card and they told me they dont issue debit card to savings account holder except is a checking account and i tried to open a checking account i was not approved, so i tried to withdraw again then account on hold for no reason and i have been calling them to return all money back to the sender of wire transfer.i have been calling capital one to return money back and they agree to after few weeks i called and i realised they did nothing and i told the sender all that happened and he promised he will call and after several calls he realised they are not read to release fund.i have been calling capital one almost every day in XXXX i had to slow down when they told me they are returning money back and uptil now they didnt return it,
Company Response: Closed with explanation
2019-04-06
Flushing, NY
Getting a credit card
Credit card or prepaid card: Store credit card
Application denied
Company Response: Closed with explanation
2019-04-06
Wills Point, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Problem getting a working replacement card
Company Response: Closed with explanation
2019-04-05
Presto, PA
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-04-05
Pinellas 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
2019-04-05
Stkn, 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
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-04-05
Vinton, LA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-05
Ft Belvoir, VA
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Complaint: I opened a Capital1 XXXX XXXX XXXX in XX/XX/XXXX and met the stated terms and conditions to receive a {$500.00} welcome bonus ( via promo code XXXX ). However, despite telling me on XX/XX/XXXX via a recorded chat ( that they confirmed having ) that I had met the terms and would receive the bonus within 60 days, they have denied me the bonus, citing that though I did meet the terms of the deal, I did not meet their intentions and they would not be paying the bonus.
I cycled deposits from external accounts to exceed the {$50000.00} deposit amount required to meet the conditions of the bonus XXXX terms copied here from their email advertisement on XXXX " Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. '' Capital 1 is informing me that I had to have a balance of greater than {$50000.00} in the account at XXXX point. But the terms say " deposit at least '' and not " a balance of at least. '' One agent informed me that the terms were muddied and that there is technically no reason why what I did would not have qualified me for the offer, but that they were not going to pay it out because their legal and risk team had reviewed it and told them not to pay it.
I feel taken advantage of by a big company with a legal team that is openly stating that I met the terms and conditions, but not their intentions, and that therefore they would not stand behind their terms and conditions. Additionally, they verified that a chat agent told me I would receive the bonus ( at a time when I still had 20 more days to do something different to meet the terms if they told me at that point I had not met them ).
I have written documentation via email, time stamps for phone conversations, and other documents for all of this even confirmed via Capital 1, but they will not honor their terms and conditions.
Phone Conversations were initiated on XX/XX/XXXX at approx XXXX -- ET, with specific remarks in question between XXXX ET and my final conversation with a representative named XXXX on XX/XX/XXXX at approx XXXX -- ET.
My reference ID for this case via XXXX is : XXXX A similar, but less detailed complaint also will be submitted on behalf of my spouse. Because of issues with my account, we have not tried as much to get it paid, but have been denied it still.
Company Response: Closed with monetary relief
2019-04-05
CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late XX/XX/1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Company Response: Closed with non-monetary relief
2019-04-05
Chestnut Rdg, NY
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Old information reappears or never goes away
Company Response: Closed with non-monetary relief
2019-04-05
Corpus Christi, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-04-05
Henrico, VA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Company Response: Closed with explanation