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 323
2018-11-13
Napoleon, ND
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/2018 a purchase was made XXXX for automotive fog lights for XXXX XXXX XXXX XXXX and up vehicles through XXXX, the product is listed as being 100 percent compatible when the product was received they did not fit. I spoke with XXXX they said I would have to pay return shipping and so I opened a dispute with XXXX XXXX on XX/XX/2018. They closed the dispute on XX/XX/2018 without contacting me, when contacting them they state a letter was sent over 9 business days ago which I have yet to receive.
Part of their process was to open a XXXX dispute against the company ( # XXXX ) without letting me know or my permission. I was informed that I would have to pay the charge as a re-bill even though the product does not fit my vehicle, I reached out to the company one more time on XX/XX/2018 and sent them proof that the product does not fit, on XX/XX/2018 they responded and said they would refund the money and pay return shipping. When they tried to refund the money they were unable to do so that there was an open XXXX dispute.
I spoke with capitol one on XX/XX/2018 at XXXX they stated they never opened the pay pal dispute and I would have to talk with XXXX. I contacted XXXX on XX/XX/2018 at XXXX and they advised me the dispute was opened by my financial institution ( Capitol One ) and it would have to be closed by them and they referred me back to Capitol One.
I spoke with Capitol One again on XX/XX/2018 at XXXX and they transfered me to a supervisor and he told me the dispute was closed and they could not close the paypal dispute.
I have no where else to turn to get this resolved, the company wants to refund me but can not because Capitol One will not close the XXXX dispute, and I can not cancel the XXXX dispute because I was not the party that initiated it Capitol One was. The pictures showing the issue can be viewed at XXXX XXXX XXXX
Company Response: Closed with explanation
2018-11-13
Northbush, NY
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 Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. Capital One states they are reporting correctly but your agency is reporting it wrong. Capital One initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY!
Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX
Company Response: Closed with explanation
2018-11-13
AR
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
Company Response: Closed with non-monetary relief
2018-11-13
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 date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Company Response: Closed with explanation
2018-11-13
Lewis Center, OH
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-11-13
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 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
2018-11-13
Ironbound, NJ
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-13
Clayton, MO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I filled out FTC twice with XXXX for Capital One {$44000.00} and XXXX/XXXX XXXX 's {$1000.00} XX/XX/2018 called and spoke with a XXXX, she stated that she couldn't locate the FTC that I need to resend the FTC.Resent it again XX/XX/2018. Spoke with XXXX in XXXX stated she still couldn't locate the FTC, but XXXX put in a dispute in XXXX without the FTC stated that it came back verified with the information I sent XXXX. Another FTC was faxed on XX/XX/2018. Called XXXX XX/XX/2018 stating that they still can not delete because Capital One and XXXX XXXX had verified that it was my information with the information I sent to XXXX. I ask for an authorization number stated that the information was verified and XXXX representative couldn't provide one. A policy report was made in XX/XX/2018.
Company Response: Closed with non-monetary relief
2018-11-13
Boston, 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
Company Response: Closed with explanation
2018-11-13
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: Opened investigations and reinvestigations regarding inaccurate late payments. The company added additional late negative marks on my credit report
Company Response: Closed with explanation
2018-11-13
Asbury Park, NJ
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-13
Houston, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-11-13
CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest.
When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here?
I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX
Company Response: Closed with explanation
2018-11-12
Pacific City, OR
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
2018-11-12
KS
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I submitted a dispute online with XXXX who reached out to XXXX/XXXX XXXX and told them I had paid this debt off directly with Capital One. XXXX/XXXX XXXX refused to cooperate and stated that the debt was still valid. XXXX won't remove the debt because of what XXXX/XXXX XXXX has stated.
The debt has been paid in full with Capital One Credit Card Company and can be validated.
Company Response: Closed with explanation
2018-11-12
Oxnard, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-11-12
East Brooklyn, CT
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation
2018-11-12
Jupiter, 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
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2018-11-12
IN
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.
Company Response: Closed with explanation
2018-11-12
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries.
In addition, I have an opened auto loan through Capital One Auto Finance. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from Capital One Auto Finance on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to Capital One Auto Finance after the open date of XX/XX/2018
Company Response: Closed with explanation
2018-11-12
Cape Coral, FL
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 non-monetary relief
2018-11-12
Great Neck, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Complaint: On XX/XX/XXXX, I applied for a business credit card with Capital One. I was approved pending review. After receiving an email, indicating primary documentation was required to be provided I complied by having to go into a local branch as I was told I could not reply immediately to the email they had sent. Despite the inconvenience, I went into the branch where a simple task of faxing over documents for verification, which I had, took over an hour. The banker initially lied that the fax machine wasn't working. After having to follow up with the banker on XX/XX/XXXX that the fax was received by the right department, I waited 72 hours before contacting the credit card department. The automated response unit upon me calling stated I was approved and that the credit card would be mailed within 10 business days. I chose the option to speak to a rep. to ascertain for how much I was approved. The rep. apologize for the error of the automated system and stated the documentation that I sent was not acceptable despite it being exactly what they requested -- the articles of organization. This has been escalated to the highest possible department and additional documentation was requested to which I have replied. The person in the Office of the President said she exhausted all possible channels and despite me providing two primary forms of documentation consistent with the information provided on the application about my business entity that there was nothing else that she can do. I feel Capital One is discriminating against me and my business. I also filed a complaint with the OCC. Case XXXX. They still have not responded to that and have exceeded 35 days.
Company Response: Closed with explanation
2018-11-12
Brooklyn, 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
Complaint: Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.
Company Response: Closed with explanation
2018-11-12
Saint Paul, MN
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.
Company Response: Closed with explanation
2018-11-12
Lewisville, TX
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: My credit card was rejected at a restaurant recently. When I called to see what the problem was, I was told that I had tried to log in previously and had not completed the log in procedure. As I then recalled, I had tried to log in, and a warning said that I would need to receive a code from my XXXX or Smart Phone. As that is not possible, I chose the option to receive the code from my email address. No code arrived.
When I called the help desk after my credit was declined, the representative said that I would need to send a picture of my drivers license taken with my cell phone and send it to them. After, again, explaining that was not possible, he said that I would need to fax my drivers license to him. If I dont have a cell phone, I am unlikely to have a fax machine ( Does anyone fax anymore? ) I am XXXX years old and do not think that I should have to own an XXXX or Fax machine to verify my existence. Isnt giving the correct answer to my mothers maiden name, last 4 digits of my social security #, and answers to the 3 security question that I had given them to set up the account adequate?
The case number that Capital One has for this isXXXX
Company Response: Closed with explanation