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 244
2019-02-26
MA
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: 3 different loans. Two of them are capital one credit cards and the other is a student loan.
Capital One Bank Usa Na 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX Capital One Bank Usa Na 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX 3 missed payments XXXX : XXXX, XXXX, and XXXX
Company Response: Closed with explanation
2019-02-26
Hopelawn, NJ
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
2019-02-26
Achille, OK
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 non-monetary relief
2019-02-26
Mount Vernon, NY
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 explanation
2019-02-26
Osceola, AR
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with a trade-in
Company Response: Closed with explanation
2019-02-26
Lake Ridge, VA
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
2019-02-26
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with non-monetary relief
2019-02-25
Hazlehurst, MS
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-02-25
San Antonio, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end.
I need assistance getting this hard inquiry removed.
Company Response: Closed with non-monetary relief
2019-02-25
Bayside, NY
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
2019-02-25
TX
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 reviewing my credit report and found a late payment on the dates below : Inconsistent dates below- 30 days late as of XX/XX/2018 ( XXXX ) 30 days late as of XX/XX/2018 ( XXXX and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response: Closed with non-monetary relief
2019-02-25
Odem, 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: The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.
I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Company Response: Closed with explanation
2019-02-25
Tempe, AZ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-02-25
Tucson, AZ
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: I HAD CONTACTED MY CARD COMPANY BECAUSE I HAD PAID A COMPANY BY THE NAME OF XXXX XXXX XXXX. AFTER READING REVIEWS ONLINE AND GETTING NO RESPONSE OR REFERALS THAT RELATED TO MY TIMESHARE I CALLED MY CAPITOL ONE CARD TO LET THEM KNOW THAT I NEEDED HELP DISPUTING THIS CHARGE.. THEY THEN GAVE ME A CREDIT OF THE XXXX AND I FILLED OUT ALL THE PAPERWORK THAT THEY SENT ME, AND FIGURED THAT THIS MESS WAS BEHIND ME, BUT THEN I GOT A CALL THAT MY CARD WAS OVER THE LIMIT AND PAYMENTS THAT ARE AUTOMATICLY PAID CAME BACK. INSTEAD OF LISTENING TO THERE COSTUMER THEY BELIEVED A COMPANY THAT IS KNOWN FOR STEALING FROM THE ELDERLY, AND TAKING ADVANTAGE OF PEOPLE. THEY TOOK MY CREDIT AWAY AND NOW THIS COMPANY IS CALLING ME DEMANDING MORE MONEY. I AM TRULY DISGUSTED WITH THIS WHOLE SITUATUIN.
Company Response: Closed with non-monetary relief
2019-02-25
Bohemia, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: IM A VICTIM OF IDENTITY THEFT.AND I'VE TRIED TO REACH OUT TO CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY. I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE A LIST OF THE FRAUDULENT ACCOUNTS I NEED REMOVED.
FRAUDULENT ACCOUNTS 1 ) KOHLS DEPARTMENT STORE -AMOUNT XXXX -DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX -AMOUNT {$5900.00} -DATE OPENED XXXX/XXXX/XXXX 3 ) XXXX XXXX XXXX XXXX -AMOUNT {$3800.00} -DATE OPENED XX/XX/XXXX 4 ) XXXX XXXX -AMOUNT {$460.00} -DATE OPENED XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-02-25
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 non-monetary relief
2019-02-25
Minneapolis, MN
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
2019-02-25
Clinton, MD
Managing an account
Checking or savings account: Other banking product or service
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2019-02-25
Bessemer, AL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-02-25
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-25
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-02-25
MI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I made a payment of {$4200.00} to CapitalOne to pay off my charge card nearly 3 months ago. CapitalOne can not find the check in their system. However, I have confirmed with my bank that CapitalOne cashed the check. I have called nearly every day for the past many months and get no where closer to a resolution. The issuing bank gave me a " affidavit of forgery '' document which they need CapitalOne to complete. The issuing bank can not proceed with its investigation until this document is completed by CapitalOne. CapitalOne refuses to complete this document. In the meantime, my credit is destroyed and I am out {$4200.00}. No one will help!
Company Response: Closed with non-monetary relief
2019-02-25
Newnan, GA
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 spoke with someone in customer service department and they said the late payment could not be removed even if its been over 36 months.
Company Response: Closed with explanation
2019-02-25
OR
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: I have a >XXXX FICO score, no derogatory marks, and applied for a Capital One Savor Credit Card on XX/XX/19. I was rejected. I later received a letter stating it was because I applied to too many credit cards.
I received a mailing on XX/XX/19 with a special pre-approved offer for a Capital One Venture card. Since I had just been denied the Savor, I called Capital One on XX/XX/19 to verify that this was in fact a pre-approval offer, as nothing had changed in my credit history in last few months, so there is no reason a pre-approval should be denied. The customer service representative took my Reservation # and Access Code for the offer, and verified that it was in fact a pre-approval offer. I said thank you, and that I would apply online.
I then applied online and was rejected. I can say with confidence, as I monitor my credit every 7 days, that nothing in my credit report has changed, and I haven't applied to any new credit cards in the last several months -- the window in which this pre-approval would have been generated. I spoke with a manager in their customer service department, who said this preapproval would have been generated by a screen sent within the last 2 months. He said there was no way to reconsider my application, or reverse the hard credit check.
I feel that I was baited into having an unnecessary credit pull on all 3 major credit monitoring agencies, thereby negatively affecting my credit. This is irresponsible and predatory behavior. It would be one thing if my credit situation had changed. The fact that it had not, and my credit remained top tier at the time of application, is evidence that their " pre-approval '' claim is deceitful and fraudulent. The application terms also say nothing about having applied to too many credit cards being disqualifying.
Company Response: Closed with non-monetary relief
2019-02-25
Brooklyn, NY
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.
Company Response: Closed with explanation