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 316
2018-11-22
Marquette Heights, IL
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
2018-11-22
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: Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. *****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
Company Response: Closed with explanation
2018-11-21
Boise, ID
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: On XX/XX/XXXX I took out a cash advance in the amount of {$1400.00}. On XX/XX/XXXX I made a payment in the amount of {$1400.00}. The minimum payment was {$280.00}, I was under the impression that any amount paid over the minimum would be applied to that portion of my credit card balance with the highest interest rate. When I saw that was not done I called on XX/XX/XXXX and asked if the excess over the minimum payment could be applied to the portion being charged the highest interest, I was told that was not possible.
I thought the Credit Card Act of XXXX made it very possible to pay off the higher interest rate by making a higher than minimum payment.
Company Response: Closed with explanation
2018-11-21
Clive, IA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.
Company Response: Closed with explanation
2018-11-21
Ashburn, VA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2018-11-21
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have reached out to XXXX XXXX on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however XXXX won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, Capital One and then again by the collection agency, XXXX XXXX. XXXX XXXX fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
A copy of my photo ID has been attached.
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
Company Response: Closed with explanation
2018-11-21
Martinsville, VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.
Company Response: Closed with monetary relief
2018-11-21
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
2018-11-21
Sandy Hook, MO
Incorrect information on your report
Credit card or prepaid card: Store credit card
Information belongs to someone else
Company Response: Closed with monetary relief
2018-11-21
Hollywood, FL
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
2018-11-21
Columbia, SC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Company Response: Closed with explanation
2018-11-21
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 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
2018-11-21
Saint Clair, MO
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Received unsolicited financial product or insurance offers after opting out
Complaint: Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.
Company Response: Closed with explanation
2018-11-21
Maclean, VA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-11-21
Las Vegas, NV
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 explanation
2018-11-21
Medina, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2018-11-21
Denver, CO
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2018-11-21
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with explanation
2018-11-21
Rocky Ridge, 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
Was not notified of investigation status or results
Company Response: Closed with explanation
2018-11-21
Cleveland, 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
2018-11-21
Jefferson, NH
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2018-11-21
San Francisco, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I applied for 2 Capital One Credit Cards on XX/XX/XXXX, first for a regular card, then for a secured card. I was denied on btoh. In the past, the early XXXX, I had bad credit but I paid off and closed some accounts, paid off past due taxes and waited until other creditors were charged off. Approximately 2 -3 years ago, I began cleaning up my reports, having old addresses taken off, old jobs, and disputed old charges from the XXXX that were still showing, etc. so my credit report should now be clean. During the past decade I had one credit card, Capital One, which I had around XXXX. I closed it shortly after getting it ( I didn't know closing cards was detrimental to your credit score ). Now, I can't get new credit, even though I haven't had anything detriminetal on my account for a decade. My credit reports are now basically zeroed out except for a payday loan which I open around XXXX and which has followed me around since. I paid off/reopened this payday loan dozens of times because I worked a job that didn't allow me to pay my basic needs so I kept reopening in hopes I'd get more money, avoid paying full balance. I must have given them hundreds or thousands of dollars on top of the original {$500.00} or so I took out so I'm not paying more. It's been a decade, it should have dropped off. But instead, the payday company sold it to a recovery company and apparently is showing up as new bad credit, even though I haven't had credit in a decade except for the old capital one card. Capital one says they can't reopen my old account. They also said they can't give me a new card because they didn't get a credit report from XXXX and that this, along with the lack of recent credit history is the reason for my denial. XXXX says Capital One can see my reports. Since they are pointing fingers at each other, I'm filing complaints against the credit card companies and the agencies. I also applied for credit at other companies earlier this year. If I find my denial letters, I will be filing complaints against them too. I've tried talking to the credit agencies but they're impossible to get in touch with. I talk to one but then they tell me to follow up online and the link doesn't work. The other says call this number but it's voice mail only. I'm done. Now, either you handle this or I join one of the class action lawsuits out there. Below is the letter of denial I got from capital one. I got 2, one for a regular card, one for a secured card. So even though I haven't defaulted on anything for a decade and never on anything serious, I can't even get a secured card. That is why I am filing this complaint on Capital One and the agencies, as well as any other credit card companies I got denial letters on. So you'll see multiple complaints. I also attached denial letter from earlier in year from XXXX. I've applied to once or twice in past 12 months, also to XXXX. Also got denials, even after getting raise at my last job. Also, can't get credit from my bank of over a decade XXXX. Even college kids with no credit can get credit, people with horrible credit can get credit at high rates. Something is wrong.
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID : XXXX Creditor : Capital One Bank ( USA ), N.A.
Dear XXXX XXXX XXXX, Thank you for applying for a credit card issued by Capital One. Unfortunately, after reviewing your application and information obtained from your consumer credit report ( s ) from the agencies detailed on the back of this letter - we can not approve your request at this time.
The reason ( s ) for our decision are : Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, there are too many delinquent past or present credit obligations If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above.
( Please note : we recommend you contact the credit agencies first to ensure they have accurately reported your information to us. Contact information is provided on the back of this letter. ) We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
XXXX FAIR CREDIT REPORTING ACT Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX INFORMATION ABOUT YOUR CREDIT SCORE We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. If you have questions about this specific credit score, please contact the consumer reporting agency at the address or telephone number provided.
Your Credit Score Missing or Invalid Date : XXXX Source : XXXX XXXX XXXX Understanding Your Credit Score The range of scores Scores range from a low of XXXX to a high of XXXX.
Key factors that adversely affected your credit score Score not available ; Insufficient or unknown credit history EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX.
-- -- XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID XXXX XXXX Creditor : Capital One Bank ( USA ), N.A.
Dear XXXX XXXX XXXX, Thank you for applying for a Capital One Secured MasterCard. Unfortunately, after reviewing your application, we can not approve your request at this time. Please know that in the process of making this decision, your credit score was not impacted.
The reason ( s ) for our decision are : Based on your application information, there is a currently pending or recently processed application with Capital One If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above.
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
XXXX EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX.
Company Response: Closed with explanation
2018-11-21
Manhattan, NY
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2018-11-21
Key Biscayne, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency.
Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-11-21
Newnan, GA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here.
By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not.
I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well.
I would love to opt out of credit offers but that requires a social security number which of course I do not have.
I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.
I guess they only want to deal with fake people and pre-approve them no less.
My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Closed with non-monetary relief