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 318
2018-11-20
NC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I have submitted complaints regarding CapitalOne and Master Card. My credit score was up until today XXXX now without notice or fault of my own my credit score decreased XXXX points as of today XX/XX/2018. XXXX and XXXX report this decrease I feel this is in retaliation for filing a complaint. I can find no reason for the significant decrease in credit score which is in my opinion highly unusual and irregular decrease.I have reviewed the credit reports and note no significant changes with the exception of one account not considered new and a small increase in amount of credit available. XXXX and XXXXare responsible for collecting and maintaining consumer credit reports in the U.S. These reports are then provided to subscribers, such as landlords, mortgage lenders and credit card companies. Lenders use these reports and credit scores to decide whether or not to extend me credit, it leaves a lot of room for interpretation. This recent credit score decrease, negatively impacts my opportunities viewed by lenders who are deciding whether or not to extend me credit. The instant decrease would be a RED FLAG, even though I pay on time and current.
Company Response: Closed with explanation
2018-11-20
Houston, 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 explanation
2018-11-20
North Hills, NC
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
2018-11-20
Clarksville, MO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but XXXX XXXX reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with XXXX XXXX also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report
Company Response: Closed with non-monetary relief
2018-11-20
Portland, OR
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with explanation
2018-11-20
Cottleville, MO
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 explanation
2018-11-20
Houston, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with non-monetary relief
2018-11-20
San Jose, CA
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
2018-11-20
Bellaire, TX
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
2018-11-20
Tampa, 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: Last XXXX XXXX was hit by a hurricane and Capital one said they would waive any late fee 's or any late payments. I was just notified two weeks ago that they have reported to all three credit agencies that I was late over a 150 days,. This has ruined my credit and I want them to change this to not being late Acct # XXXX
Company Response: Closed with explanation
2018-11-20
Apalachicola, 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: My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred.
Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score.
Company name is XXXX.
Company Response: Closed with explanation
2018-11-19
Dahlonega, GA
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
2018-11-19
Kyana, IN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.
Company Response: Closed with monetary relief
2018-11-19
Raeford, NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-11-19
CA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Complaint: I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.
Company Response: Closed with explanation
2018-11-19
San Antonio, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Capital one is incorrectly saying I was late on payment when it was due to their error. They researched and said I would have to file a dispute even though it was their fault.
Company Response: Closed with explanation
2018-11-19
San Jose, CA
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/XXXX. 2018, I realized I lost my CapitalOne Quicksilver credit card while in XXXX, XXXX. I reported the loss to CapitalOne. On XX/XX/XXXX, fraudulent charges ( 10 amounting to {$350.00} ) appeared on my online statement. I reported this to CapitalOne, which subsequently credited back {$430.00}. ( I called back to report discrepancy, but I was told it will be reconciled after investigation ). On XX/XX/2018, I got a call from CapitalOne informing me the case was resolved and no further action is needed from me. However I found out that the same 10 fraudulent items totaling {$350.00} reappeared as XX/XX/2018 entries plus {$6.00} as interest charge. I made several calls to CapitalOne between XX/XX/XXXX and XXXX to resolve issue. Each time I called, a different representative answered and asked the same questions. In short, I am given the run-around.
Company Response: Closed with explanation
2018-11-19
Robertsdale, AL
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
2018-11-19
Lewisville, TX
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
2018-11-19
Old Bridge, NJ
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
2018-11-19
Mill Creek, IN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I missed my XXXX, 2018 payment of {$41.00}. Had XXXX down for 3 weeks my fault. received XXXX, 2018 bill stating I owed {$120.00} this included over limit fee I would I incurred because of their charges. Called in XXXX, 2018 and set up Special Program no over limit fee I paid {$82.00} today XXXX, 2018 they say I still owe {$83.00} and XXXX, 2018 {$83.00}. I missed one payment that I am paying an extra {$120.00}.
Company Response: Closed with explanation
2018-11-19
Hampton, VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2018-11-19
Wheaton, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-11-19
IL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.
Company Response: Closed with explanation
2018-11-19
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 XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX 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