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 312
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 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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
Fred, VA
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
2018-11-29
Tarzana, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I got the card in XXXX and have carried a balance much of the time, paying their usurious 24.74 % interest that I agreed to. ( {$320.00} in interest in XXXX alone ) On XX/XX/XXXX, when my balance was {$3000.00}, I made an electronic payment of the same amount, which should have brought my balance to XXXX.
When I received my next statement on XX/XX/XXXX, it showed that I had paid the balance in full, but added an additional {$33.00} in interest.
I called the company and asked them to retract this charge on the basis of customer goodwill and my tenure with them. They told me that they would not and there isnt anyone that I can talk to or write a letter to. They would not provide a name or phone for anyone, including the VP of customer service or the CEO. I WAS TOLD THERE IS NO ONE ELSE IN THE ENTIRE COMPANY THAT CAN TALK TO ME OR HELP ME.
I understand capitalism and the desire of large corporations to make a fair return on their investments. However, when companies are this arrogant there is typically some other dynamic going on.
Thank you
Company Response: Closed with monetary relief
2018-11-29
AR
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: My Family member got ahold of my social security number and applied for a Capital One Credit card and I had no idea about it until the bill come in my name and still to this day I haven't been able to get anymore info on the account of the credit card and I would like it removed from my credit history so I can see how to get approved for another one it was back between XXXX
Company Response: Closed with explanation
2018-11-29
Sarasota, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.
Company Response: Closed with monetary relief
2018-11-29
TN
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 XXXX XXXX ). 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 and XXXX ) and ( CAPITAL ONE XXXX XXXX ) with no successful resolution. ( XXXX ) only reporting me late. There was definitely an error on their part. I was never 60 days late ( Date of Late Payment )
Company Response: Closed with explanation
2018-11-28
Grosse Ile, MI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Complaint: XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 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
2018-11-28
Canton, MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with monetary relief
2018-11-28
San Antonio, TX
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
2018-11-28
Dallas, TX
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/2018 I disputed with XXXX, XXXX, and XXXX on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.
Company Response: Closed with explanation
2018-11-28
Bensenville, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2018-11-28
Duncan, OK
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2018-11-28
Hinkley, CA
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: My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you
Company Response: Closed with explanation
2018-11-28
Lena, OH
Opening an account
Checking or savings account: Savings account
Unable to open an account
Complaint: We applied multiple times for Capital One XXXX XXXX account online, and we keep being declined. When we call customer service, they can not provide us a reason on why we are being declined, and they keep telling us they are going to send us an e-mail. I was escalated to a supervisor, and got the same run around
Company Response: Closed with explanation
2018-11-28
Royal Palm Beach, 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
Company Response: Closed with explanation
2018-11-28
Blackbird, DE
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved
Company Response: Closed with explanation
2018-11-28
Glen Mills, PA
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2018-11-28
Flushing, NY
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-11-28
Inglewood, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: Capital one credit card manager did not honour my charge back rights and supported criminal unauthorised charges helping out merchant thieves twice, so taking my money from my account and not providing me the resolution as legally required. I called about 10 times with up to 1 hour waiting and explaining, also sent 5 emails and still got ignored and disrespected away from my legal rights.
These were the two unauthorised and rebilled charges and attempted theft : XX/XX/XXXX PURCHASE ADJUSTMENT AirfareXXXX XXXX ... XXXX {$66.00} XXXX Posted : Mon, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL AirfareXXXX XXXX ... XXXX {$66.00} XXXX , XXXX XXXX Purchased : Wed, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX {$66.00} XXXX XXXX PURCHASE ADJUSTMENT Car RentalXXXX XXXX ... XXXX {$81.00} XXXX Posted : Thu, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL Car RentalXXXX XXXX ... XXXX {$81.00} XXXX XXXX XXXX, XXXX XXXX Purchased : Sat, XXXX XXXX, XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-11-28
Gilbert, 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
Company Response: Closed with monetary relief
2018-11-28
Mountain View, OK
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Capital One provides virtual credit card numbers so that the customer doesn't need to use their actual credit card account number when making online purchases. This enhances security and the service is called eno.
On XX/XX/2018 I attempted to make two online purchases using eno numbers and they were declined on the merchant websites. I was able to make those purchases immediately afterwards using my actual credit card account number. This negates the benefit of eno and exposes me to an increased risk of fraud and is reckless behavior on the part of Capital One.
I spent over an hour on multiple phone calls with Capital One, yet their representatives were unable to tell me why those two specific transactions were declined. I requested a call back from a manager but never received one.
Obviously Capital One is recklessly disregarding customer concerns and should be penalized in some way.
Company Response: Closed with explanation
2018-11-28
San Diego, CA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2018-11-28
Jonesboro, AR
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-11-28
Columbus, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I already have filed a complaint, XXXX. I have just gotten in touch with them at Capital One and got no results from them. They said all they could do is reduce my interest from 27 % to 22 % which would not help with what I want to do by getting them paid off. I wanted a 0 % rate for 18 months to pay it off completely and not wanting to hurt my credit score. They provide no help in even reducing it a considerable amount.
My thing is, when you pay a {$230.00} payment and only {$70.00} goes to what you actually owe, maybe it is time for the Government to step in because this is highway robbery and they get away with it. It is awful ... I am on a fixed income, SS retirement and work part time. I just want to lose me as a customer, but don't offer any help with getting the interest low enough.
XXXX XXXX
Company Response: Closed with explanation
2018-11-28
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with monetary relief