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 311
2018-11-30
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : CAPITAL ONE BANK USA Account Number : XXXX Date : XX/XX/2015 Amount : {$2500.00}
Company Response: Closed with non-monetary relief
2018-11-30
Asheville, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with non-monetary relief
2018-11-30
LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation
2018-11-29
Atl, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-11-29
New Orleans, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with non-monetary relief
2018-11-29
Bedford, OH
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
2018-11-29
Mandeville, LA
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2018-11-29
Pittsford, NY
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
Company Response: Closed with explanation
2018-11-29
Tucson, AZ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with non-monetary relief
2018-11-29
Flower Mound, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Closed with monetary relief
2018-11-29
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2018-11-29
Cocoa, FL
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem canceling credit monitoring or identify theft protection service
Complaint: Capital One- XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major operation, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Company Response: Closed with monetary relief
2018-11-29
FL
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: XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief
2018-11-29
Indianapolis, IN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-11-29
VA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I opened up a Kohl 's store card on XX/XX/2018. I waited for a bill and a credit card to be issued but they never were delivered. I went to the Kohl 's store in XX/XX/2018 to investigate because I felt certain that the clothes I purchased on the to-be-delivered Kohl 's card would be due. I was told by Kohls ( in XXXX, VA ) that it would be delivered and not to worry. I had no account number at this time either.
In XX/XX/XXXX I received a letter from Kohl 's with a subject heading of " RE : Application Number : XXXX '' also addressed to the WRONG ADDRESS. It was close enough that it was delivered to my home eventually. It stated I had a Kohl 's credit card ( which I had years ago and had closed ). It further stated that it could not process the application and to call them at XXXX to get assistance and a " replacement '' card.
Soon after receiving this letter in XX/XX/2018, I called on XX/XX/2018 to " Kohl 's Customer Service Contact Center '' at the above noted number. I spoke to XXXX ( agent XXXX ). She immediately told me I had late fees. She could also see where the previous Kohl 's credit card was cancelled. I explained I had never received a new Kohl 's credit card, the one I applied for in XX/XX/2018, and that I also had no billing statements either. She explained that a new card had never been issued, and I also pointed out that they had the wrong address for me as well. She fixed this and took off the two late fee charges. She also had the credit card generated.
The credit card eventually arrived at my house. In a separate mailing, I received my first billing statement two days before it was due. I immediately paid it once I received it by mailing a check. I viewed my account online today for the first time and I see where the check was credited to my account on XX/XX/2018 and the bill " due date '' was XX/XX/2018. I received the billing statement on XX/XX/2018 and mailed the check on XX/XX/2018. I had an outstanding bill of {$52.00}. On reviewing all of the charges from XX/XX/XXXX until XX/XX/2018, I see that the original amount of money owed on goods was {$41.00}, then a return which credited the account in XX/XX/XXXX for {$5.00}, for a grand total of {$36.00}. I realized as I composed this complaint that although Kohl 's removed the fees for the two months, they incorrectly charged me interest during this time. When I paid the {$52.00}, I overpaid by {$15.00} without realizing it.
There are two issues. First : I have been charged late fees and interest on the " late '' XX/XX/2018 bill, the bill of which was delivered two days before it was due. This was the first bill, and Kohl 's failed to issue it in a timely manner to me, even after I had the address corrected. Kohl 's did not leave me adequate time to pay the bill before the due date because they failed to provide the billing statement to me in a timely manner. Second : I was overcharged with interest fees that should have been removed and were not. I am also owed $ XXXXrefund for this overcharge in interest.
I assumed Kohl 's would rectify problem of late fees and interest but they have not.
Today I went to the store that I purchased goods from and opened the credit card in XXXX, VA, and spoke to their customer service. They said I had to call Kohl 's directly as they could not assist me with this problem.
I then called Kohl 's Customer Service about this, and was told they would do nothing to fix this, that it was my problem and that I now owe the outstanding amount due to fees and interest of {$140.00} -- all originating with their failure to issue the FIRST correctly addressed billing statement and having it delivered two days before the bill was due. As I stated before, I immediately paid it once I received it. " XXXX '' at the help desk ( I failed to write down her agent ID ), told me that this was my problem, and that I owed the money even after I explained all of this to her. I told her I would be contacting the Virginia Attorney General 's office about this to report and she said she would no longer speak to me about my account.
I decided to start with my problem here before contacting the AG 's office. I do not owe this money in fees and interest because Kohl 's failed to provide adequate time for me to provide payment in a timely manner. I also have excellent credit and am concerned about how Kohl 's malfesance and negligence impact my credit history.
I also do not think it is right or just to pay this money to them that they are not owed.
Thank you for your assistance.
Company Response: Closed with monetary relief
2018-11-29
Austin, TX
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ).
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere.
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system.
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it.
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance.
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ).
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ).
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did.
My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem.
My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.
2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.
3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.
Company Response: Closed with explanation
2018-11-29
Chicago, IL
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
Complaint: My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.
Company Response: Closed with explanation
2018-11-29
Loganville, GA
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 CAPITALONE. 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 CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Company Response: Closed with explanation
2018-11-29
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: There was inquires from Capital One Auto Fin on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Company Response: Closed with explanation
2018-11-29
Huntsville, AL
Managing an account
Checking or savings account: Savings account
Banking errors
Company Response: Closed with explanation
2018-11-29
Bakersfield, 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
Complaint: XXXX has been non-compliant with removing the unverified account CAPITAL ONE AUTO FIN Opened Date XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE AUTO FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation
2018-11-29
Mabank, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Report provided to employer without your written authorization
Complaint: ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Company Response: Closed with explanation
2018-11-29
Little Rock, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Public record information inaccurate
Complaint: A felony is on my record that does not belong to me
Company Response: Closed with explanation
2018-11-29
Marietta, GA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to sue you for very old debt
Complaint: On XX/XX/XXXX at XXXX XXXX, I called ( XXXX ) XXXX in effort to find out why I repeatedly receive harassing phone calls and text messages from ( XXXX ) XXXX which resolves as an unreachable number.
The first point of contact was a woman who said this is an effort to collect a debt and the call will be recorded. I agreed to listen to her and find out the reasoning behind the daily harassment. First, she said I had an old CapitalOne credit card account that is delinquent. When I told her I actually have very good credit with over 5 years of 100 % on-time payment history and nothing in collections on my credit report, she told me to hold and she would verify. After a brief wait, I was then totally abused by some extra-ghetto talking unprofessional guy who claimed to be the manager of the litigation department of this company. He stated things like " you should pay your XXXX bills '', " you should know not to run up all yo credit cards and not pay them '', and so on. The killer is : this guy says that he doesn't know or care what the original woman I spoke with when I CALLED THEM said about any CapitalOne account - he was yelling at me in reference to an XXXX XXXX XXXX account from years and years ago, who has in fact been sued by the state of Georgia for fraud and I received a cash settlement from as part of a class-action suit! ( I don't owe them a XXXX either, by the way ). XXXX is the name of the company of which I am speaking. I just called and spoke to another woman who would not give me a name in effort to get the company name. She once again confirms the matter has left their office and is going to litigation for an unresolved debt matter with CapitalOne - nothing about XXXX XXXX XXXX once again. I have researched XXXX : *XXXX XXXX XXXX XXXX or XXXX is a third-party collection agency based in Oklahoma . XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper conduct or sharing of information and failure to verify debts. * If this is the actual company responsible - I beg for your assistance in getting these people to stop with all of the harassment. Researching the various phone numbers online and researching the various names from voicemails left by them, like XXXX XXXX for example.
I responded to the following voice to text message received XX/XX/18 @ XXXX XXXX EST : " Hello this is XXXX XXXX trying to reach XXXX XXXX XXXX in regards to a formal complaint that's in the process of being filed this morning for several different matters. I am calling to verify that we do have the correct address for this individual. The next step will be filing necessary paperwork within your county at this time you do have the right to contact the information '' ( END ) I called and got the info I started with today in response to this morning 's voice to text message received at XXXX XXXX EST : " This message is for XXXX XXXX XXXX. ( Robo-voice ) I'm contacting you from the process division. I received a order for you it looks like two pending charges now fortunately because I've been unable to reach you at your place of employment and also at your residence. You have the right you can contact the client to resolve the case voluntarily. Understand when '' ( END ) I asked the woman I spoke to for an account number or any contact information for the original debtor and she said now the file is no longer with them since it was filed this morning due to REFUSAL TO PAY? Today 's call with the aforementioned woman mysteriously dropped after I told her I am filing a complaint with consumerfinance.gov because I don't owe anyone referenced anything.
Company Response: Closed with explanation
2018-11-29
Aurora, CO
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