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 229
2019-03-14
Nyc, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Since there is no direct e mail to the ceo 's office please forward this to the ceo 's office on my behalf Thanks I also don't want this to impact my credit score and hurt my ability to use my 3 capitol one credit cards! The purpose of this letter is to help me out and to make CAPITOL ONE BANK BETTER SERVE THEIR Consumers instead of doing their commercials I understand fully that capitol one is trying to automate to eliminate their frontline staff by me getting what I will ask for on my 3 credit cards and explaining the situation I expect better staffing so the workforce will have less work to do and folks like me will have less wait time on the phone to get an american based agent~ I live in XXXX WHICH IS IN NY STATE SO I am writing to the ny attorney generals office and XXXX dept of consumer affairs as well as the nevada ATTORNEY GENERALS OFFICE ( SINCE MY CAPITOL ONE CONTACT LADY IS BASED IN XXXX XXXX and THE Virginia 's attorney generals office since capitol one 's corp hq is in XXXX , VA ) AND OF COURSE THE FTC AND DOJ AND I want this letter sent to all relevant local/ county, state and federal agencies that I did not mention here.
I guess yesterday that capitol one had the same issues as XXXX I CALLED XXXX XXXX XXXX XXXX AND When I pressed option 1 I got cut off When I called XXXX XXXX XXXX and XXXX XXXX XXXX the phone didn't even ring and I just got a dial tone I called to check on my balances etc and besides that THE only time I should call one of these # 's is to deal with id theft Otherwise I am dealing with XXXX EMPLOYEE ID # XXXX AT TELEPHONE # XXXX XXXX XXXX PIN CODE # XXXX XXXX DIR EXT # XXXX XXXX She is great and does provide great service and is working on a previous compliant that I have filed against capitol one but I have many other issues that need handeling and perhaps with this letter she will have the ability to do even more for me since I am going thru major cash flow issues right now! for card # XXXX ( also please extend the interest free period to at least XX/XX/XXXX ) on monday XX/XX/XXXX I wanted to dispute {$1.00} charge and called in at XXXX. and was on hold in excess of 90 minutes before I got an agent who did give me the credit but for that kind of time I demand a at least a {$500.00} bill credit and when I spoke to XXXX later she tried to help me get some assistance but she didn't know that I can get that kind of help if I miss a payment. For card # XXXX on wednesday XX/XX/XXXX XXXX connected, e to XXXX id # XXXX FROM XXXX, FLA DISPUTES DEPT WHO BESIDES XXXX IS ONE of the full folks in capitol one who actually serves the customers properly after being on hold for about 5 minutes since XXXX had to explain my situation to her I got her on the line and she was kind enough to credit my account {$56.00} for the previous 3 months interest charges and take care of my billing issue moving forward on this card I need the {$500.00} bill credit as well as the card being ( So the XX/XX/XXXX interest charge can be waived / credited back as well ) interest free until XX/XX/XXXX at the very least to help me catch my breath!
With card # XXXX XXXX tried to get me grant money thru the hardship program but I didn't qualify since I don't have and haven't had a convential job in a long time I have asked to have the interest charges from XX/XX/XXXX ( {$40.00} ). XX/XX/XXXX ( {$41.00} ), XX/XX/XXXX ( {$28.00} ), and XX/XX/XXXX ( {$42.00} ) ( she did get me a lower interest rate ) which is a total of {$150.00} credited back and moving forward to get this to be an interest free card to at least XX/XX/XXXX and to credited my account {$500.00} for my time now I realize having XXXX AS A DIRECT CONTACT MEANS that if she out on vacation / sick etc things will take time ( they won't take my time an if charges accrue while she is away she will take care of those charges but I won't have to be on the phone for an obscene amount of time ) THANKS FOR YOUR TIME AND HELP HERE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX LANDLINE # XXXX XXXX XXXX PS LAST thursday XX/XX/XXXX XXXX got me some guy on the line after a 15 minute wait who had no clue ( by design and couldn't / wouldn't do anything for me but waste my time ) he is sadly typical of capitol one and why I have XXXX AS MY CONTACT PERSON!
Company Response: Closed with monetary relief
2019-03-14
Winston Salem, NC
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-03-14
Berwyn, MD
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
2019-03-14
Birmingham, AL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: When we go online we can not see our transactios .This has been going on for over a month. We have called XXXX several times with no results .All they tell us is that they are working on the problem and amazingly, they do not know when the problem, with not being able to see transactions, will be fixed. A company as big as XXXX and no one knows how to fix this problem. I have sent emails to a XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX at corporate with no response from any of them. I think my days of being a customer for over 10 years are coming to an end ... ... ...
Company Response: Closed with explanation
2019-03-14
Fresno, CA
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 non-monetary relief
2019-03-14
Chicago, IL
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: XXXX and XXXX did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year 2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Company Response: Closed with explanation
2019-03-14
Stevenson, MD
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: XX/XX/2018 I requested due to hardship, at the time there were not options for gov workers. On the call capital one setup payment arrangement. I have attached the document, and the new document from capital one. Over the phone, and in the hardcopy document it never said that a " specific '' month would be put to the back of the loan. I thought the agreement was for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. On XX/XX/XXXX, XX/XX/2018 payment would have prevented XX/XX/XXXX for being late, and XX/XX/XXXX payment would have prevented XX/XX/XXXX from being late. I called again and asked why I was reported late for XX/XX/XXXX, XX/XX/XXXX months when an agreement was in place. The issue is, why would capital one make me more late. A plan is supposed to help get you out of debt, based on what capital one is saying they just made an arrangement, this didn't help me to be current if it made / reported late for those two months. This is predatory, and the agreement never mentioned it was only for XX/XX/XXXX,XX/XX/XXXX payments, I was already late for those based on capital one data, why make me more late? Calling over the phone I was upset with the rep, and one advised at the leastXX/XX/XXXX definitely shouldn't have been late. Capital one reported predatory payment and I think at the least if they don't want to investigate XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, atXX/XX/XXXXt, and XX/XX/XXXX should not have been reported I feel it was incorrect. Please show me where in the agreement, that it said the two payments pushed to the back of the loan were for XX/XX/XXXX,XX/XX/XXXX. If I call in XX/XX/2018 as mentioned before, I wasn't let yet for these months.
Company Response: Closed with explanation
2019-03-14
Manassas, VA
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: I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. CAPITAL ONE AUTO FINANCE WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/XXXX OF 2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM CAPITAL ONE AUTO FINANCE. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO XXXX XXXX AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM CAPITAL ONE AUTO FINANCE THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY XXXX XXXX CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED CAPITAL ONE AUTO FINANCE ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO XXXX XXXX THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING CAPITAL ONE AUTO FINANCE TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT CAPITAL ONE AUTO FINANCE JOB IS TO CONTACT XXXX XXXX TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND CAPITAL ONE AUTO FINANCE HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH
Company Response: Closed with explanation
2019-03-14
Islip Terrace, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-03-14
Brooklyn, 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
Complaint: A merchant owed me a lot of credit which was promised would be credited back. the merchant was supposedly a victim to a load of counterfeit goods which he claimed placed him in financial stress and he was unable to pay back fast enough his customers and creditors. ultimately, back in XX/XX/XXXX & XX/XX/2019 Capital One received all these credits back to my account. my account currently has $ XXXX in a credit balance. I had requested a refund for my credit balance to be mailed back to me, they told me it would take 7-10 days, but its been 2 weeks and they have not refunded me. when i called to follow up, they are telling me now it could take 90 days. I believe this is totally improper and base don what I've read, the bank is legally obligated to refund me within 7 days.
Company Response: Closed with explanation
2019-03-14
Bonnie, UT
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
2019-03-14
Bath, SC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have a loan with CAPITAL ONE BANK USA N. 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 XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Company Response: Closed with explanation
2019-03-14
Ft Lauderdale, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-03-14
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
2019-03-14
Bedford, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation
2019-03-14
Phoenix, AZ
Incorrect information on your report
Vehicle loan or lease: Lease
Information belongs to someone else
Complaint: Upon applying for credit I was denied for several reason one being an auto loan finance threw CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX witch I never inquired or knew I was being charged for the loan it's not my debt XXXX XXXX XX/XX/XXXX XXXX I tried to dispute it with them and they wanted a written letter but after 30 days they would receive it thats not acceptable for me.
Company Response: Closed with explanation
2019-03-14
Cheverly, MD
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 N. 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, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-03-14
Richmond, VA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-03-14
PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I had a balance of {$3400.00} that was due on XX/XX/XXXX. I paid the entire balance of {$3400.00} on XX/XX/XXXX. Recd a bill today ( XX/XX/XXXX ) for {$33.00}, spoke to XXXX at Capital 1, who stated they charged me interest, even thou it was paid before the due date. Which I paid on the phone today with her a now total of {$33.00}? so they are charging me interest on interest? my balance was paid in full on XX/XX/XXXX? and she said I would get another bill on XX/XX/XXXX, there shouldn't be a balance? So I closed my account and paid it in full on XXXX XXXX, XXXX How can they still charge me interest? and it still accruing? I think they are over charging on the interest, when the account has been closed and no balance?
Company Response: Closed with non-monetary relief
2019-03-14
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Closed with explanation
2019-03-14
Louisville, KY
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Company Response: Closed with explanation
2019-03-14
FL
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: I did not authorize CAPITAL ONE AUTO FINto review my credit report. I have a extend fraud alert on my credit reports. CAPITAL ONE AUTO FINdid not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Company Response: Closed with explanation
2019-03-13
Flushing, NY
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with explanation
2019-03-13
Lincoln, NE
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2019-03-13
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
Complaint: On XX/XX/17, we purchased 2 adjustable gold necklaces at a price of {$690.00} from ''XXXX XXXX XXXX , in XXXX XXXX , XXXX XXXX .
Unto this day, we have not received the items. The credit card company was contacted and the merchant as well, but to no avail.
The credit card company has reached a stage where they said they are not involved in this matter and contact should be made directly with the merchant.
We tried with the merchant via numerous emails but no resolution have been made, only promises.
Attached are communications.
Company Response: Closed with explanation