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 339
2018-10-24
Swiftwater, PA
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: Capital One, without any request by me, disputed an entire month 's purchases on my card ( {$6100.00} for the period XX/XX/18-XX/XX/18 ) after I had fully paid the balance. Even though the charges were disputed by an error on their part, no credit has been issued to my account as promised in the letter that notified me of all the disputed charges.
My life, my business, etc. have been upended due to this situation. Things like my electric bill, wireless phone for each family member, XXXX XXXX, health insurance, XXXX account, XXXX account, business internet, etc. have been frozen or dropped due to the disputed charges each has received. I have had to pay most of these debts a second time by other means in order to keep my accounts working and my business running. It has been a nightmare!! A great example is my wife and daughter traveled from NY to XXXX last Thursday on tickets purchase during the time of the disputed charges. When they went to check in for their return flight on Sunday, the tickets were cancelled due to the disputed charges and we had to repurchase them at a substantial additional cost.
I have spent more than 10 hours on the phone with Capital One trying to get to someone who can help resolve the situation. Each call I have been told that someone would call me back. I have never received a call. I have spent dozens of hours with angry businesses that I paid during that period who are irate that I charged back their payment. The situation is destroying my reputation and likely my credit score.
At this point, Capital One has stolen {$6100.00} from me. I have paid them fully for these charges and I am now having to pay them all a second time to make the payees whole so that my life can continue. Capital One has received my {$6100.00} as a payment via wire transfer and clawed back that amount from payees through the dispute process.
Please help!!
Company Response: Closed with monetary relief
2018-10-24
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX XXXX XXXX is telling me I owe them {$6500.00}. This is originally from a Capital One credit card. As Ive explained umpteen times to Capital One, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
Company Response: Closed with explanation
2018-10-24
East Rockaway, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Complaint: I applied for a Capital One XXXX card in XXXX of this year and the card was shipped to me on XX/XX/XXXX of this year. I was approved for {$1000.00} limit. When I received the card in XXXX, Account Number XXXX XXXX XXXX XXXX, I used it for {$120.00} in purchases and then I tried to use it and it was denied. I called Capital One and they said the card was issued in error and they would send me a letter explaining what happened.
I never got the letter. I have repeatedly called Capital One and have been told a letter was sent, it was not. I have tried repeatedly to access my account online but did not succeed until today XX/XX/2018.
I applied for an account in good faith and an account was opened and submitted to all three credit reporting agencies. I have made a payment of {$60.00} today, which includes a late fee even though Capital One blocked my access to their online application and I could not make a payment before today.
Capital One says the account was opened in error, it was not any error on my part and it should not be my problem. The account is now part of my credit history and it is paid, the card should be available to use, I have done nothing to deserve otherwise.
Company Response: Closed with monetary relief
2018-10-23
Phila, PA
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
2018-10-23
Santa Maria, CA
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
2018-10-23
Marion, MA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with non-monetary relief
2018-10-23
Audubon, NJ
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2018-10-23
Beaverton, OR
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2018-10-23
Boise, ID
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-10-23
Oxford, GA
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Problem with personal statement of dispute
Complaint: I have had an account with Capital One for a long time I was late on my payments a lot but have for a while now been doing better and paying on time every month because I am about to purchase a house. I sent an email to the CEO to request that they forgive me of two late payments for XX/XX/XXXX and XX/XX/2018 and I express that this was the only thing holding me back from home ownership. I had some financial difficulties at the beginning of the year it was really hard as I am a single mother. But I have bounced back and I am doing really well and paying my bills on time. I have seen Capital one give forgiveness with other members and they denied me saying they don't forgive late payments which would be untrue. I also have a credit card with Capital One that has been in good standing from the start and I have never been late. I would like to know why I wouldn't be eligible for this process and others are?
Company Response: Closed with explanation
2018-10-23
Herndon, VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with monetary relief
2018-10-23
OH
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: For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018
Company Response: Closed with monetary relief
2018-10-23
Rochdale, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: On my wife 's credit card we are being charged a {$38.00} dollar late fee. The supervisor by the name of XXXX refused to give the {$38.00} dollar credit. I then requested a reduction in the APR from 24.65variable. The supervisor stated that this was the best APR! Really?
Please have an executive of a call center manager review the case and credit the late fee and reduce the APR. We have a combined number of credit cards with Capital one.
Company Response: Closed with monetary relief
2018-10-23
Houston, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-10-23
Sheboygan, WI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2018-10-23
Boloxi, MS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed.
I have reached out to CapitalOne via mail and phone with no response.
Your help in resolving this matter is greatly appreciated.
Thank You.
Company Response: Closed with explanation
2018-10-23
IN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I CONTACTED CAPITAL STARTED IN XXXX THEY HAVE TOLD ME THAT I WILL BE GETTING A CREDIT INCREASE AND THE END OF BILLING CYCLE WICH IS XXXX CALLED CAPITAL ONE SEVERAL TIMES OF THIS MATTER KEEP GETTING THE RUN AROUND ABOUT THE CREDIT INCREASE HAVE PAYED MY BILL ON TIME FOR CONSECETIVE 7 PAYMENTS AND EVERY TIME I TALK TO A CUSTOMER SERVICE AND MANAGER I GET THE RUN AROUND SAYING I WOULD GET THE CREDIT INCREASE IN XXXX BY MIDNIGHT ON XX/XX/XXXX CALLED THIS MORNING, NOW ITS A DIFFERENT STORY I NEED THIS MATTER FIXED PROMPTLY.
Company Response: Closed with explanation
2018-10-23
Danbury, CT
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-10-23
Carver, MA
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: Hi, I'm not sure who to contact with this anymore, but I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations between the reporting between the major credit bureaus.
XX/XX/XXXX - 30 days late?
XX/XX/XXXX - 30/60 days late?
XX/XX/XXXX - 30/60 days late?
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief
2018-10-23
Ocklawaha, FL
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
2018-10-23
Boston, MA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: Hi and Good Evening....I'm writing you guys again, because i been going back and forth with XXXX XXXX XXXX in regards to alleged debt that they bought from Capital One. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up.
I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.
Company Response: Closed with explanation
2018-10-23
Cheshire, 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
2018-10-23
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX is reporting an incorrect account status remarks from Capital one.
Capital one should be reporting the following account status remarks " Closed by credit Grantor '' XXXX is currently reporting account status remarks Chapter XXXX Bankruptcy.
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my XXXX Public Records.
Please see copy attachment from my latest XXXX credit report to see the correct reporting status from Capital one.
Company Response: Closed with explanation
2018-10-23
TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: On XX/XX/XXXX at XXXX, I received a citation and petition on my front door. The papers stated that I was being sued for a credit card debt of {$2400.00} by the alleged Plaintiff, XXXX XXXX XXXX ( XXXX ), XXXX for an account that is in claimed in default and for alleged actual damages, cost of court. The Petition states that the alleged Plaintiff 's Attorney is XXXX XXXX, who is representing the Plaintiff from XXXX XXXX XXXX, XXXX.
On XX/XX/XXXX at XXXX XXXX, I filed my Original Answer to the Justice of the Peace Precinct 3, Place 1 stating that I, the Defendant, 1. ) Deny the claim of the alleged Plaintiff stating that the Account stated is open due to the lack of and falsely otherwise documented information upon which to base a belief as to the truth of the allegation contained therein. 2. ) Deny the Plaintiff 's claim of the account stated is in default and that I, the Defendant, owe for actual damages, cost of court. I stated in my answer that Plaintiff 's complaint/claim fails to state and/or prove which relief can or should be granted for the accusation of claiming the amount owed of {$2400.00} contained therein.
I also included five detailed Affirmative Defenses backing my Denials of the Plaintiff 's claims and Requested for Judgement on 6 requests. One of my requests written was that XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX provide supporting documentation that Capital One is still the original Creditor/Holder of the stated account and proof that XXXX XXXX XXXX, XXXX is not a Debt Collector OR debt buyer attempting to collect on a debt ( which they admit to be on the citation ), to also provide proof of the claimed account being opened, proof of the original signed consent, as well as proof of me owing the claimed amount of {$2400.00} which they claim included default, interests, actual damages ( as claimed ) and claimed court costs. I included a Unsworn Declaration made under the Penalty of Perjury and Certificate of Service to the Plaintiff 's claimed Attorney and to XXXX XXXX XXXX XXXX XXXX ), XXXX along with wet ink signatures and printed name and date on each page submitted. My original answer was filed with the court and a copy was sent to XXXX XXXX 's alleged attorney and also sent to Capital One, both via Certified Mail with return receipts.
On XX/XX/XXXX at XXXX, I received in my mailbox from XXXX XXXX XXXX, XXXX a bunch of COPIES of back dated 30-day billing cycle statements from XXXX XXXX XXXX MasterCard, which is NOT sufficient validation of the claimed debt and other documents I requested for production.
Here is how the FAIR DEBT COLLECTION PRACTICES ACT has been violated by this company and how I have been majorly mislead : On XX/XX/XXXX, I spoke with two different debt buyers or debt buyer agent representatives for XXXX XXXX XXXX, XXXX, and was told False and Misleading Representations and was victimized of Unfair Practices, which caused negative balance in my current, personal bank/checking account, forcing me to take out a payday loan to cover my overdraft. The debt buyer representing XXXXXXXX XXXX XXXX, XXXX, mislead me by stating that they are a law firm representing XXXX XXXX XXXX and if I did not pay the amount of {$2600.00} owed, then more interest fees and/or charges could be added to the amount and that a judgement could be placed against me and that it could also be reported to my credit. At this time, in the moment, I was caught off guard, was driving in my car and got afraid in the moment, I was forced to an agreement that I did not agree to and defeated by forceful comments and misleading information and was not allowed time to understand my rights or request validation of this claimed debt owed or proof of this law firm and just thinking about what the debt buyers were saying and I, in the moment not knowing my rights at the time and feeling very intimidated, was thinking I didn't want the amount to increase and I have worked so hard to increase my credit scores I didn't want to take a chance of a judgement being placed against me, so I, without knowing all my rights and the status of the account at the time, agreed with the debt buyer to auto-draft payments from my checking account monthly until paid off. My initial forced agreement was with XXXX XXXX XXXX and then I was quickly forced to make a large payment of {$1000.00} on XX/XX/XXXX with XXXX XXXX, one of the debt buyer rep from XXXX XXXX XXXX, XXXX and then a payment of {$500.00} was auto-drafted from my checking account on XX/XX/XXXX ( all in the meantime I'm studying the law and my rights ). Currently, XXXX XXXX XXXX, XXXX is scheduling to auto-draft a payment of {$500.00} on XX/XX/XXXX and another payment of {$500.00} on XX/XX/XXXX. Due to the debt buyers scaring me and not knowing my rights at the time, I stupidly let them take advantage of me and had to end up taking out a payday loan just to get by, which obviously caused me more debt! On XX/XX/XXXX at XXXX, I called XXXX XXXX XXXX, XXXX and spoke with XXXX , who states is a debt collector and that the info recorded could be used to obtain a debt, about requesting to cancel/void all my future forced auto-draft agreement plans/arrangements with XXXX XXXX XXXX , effective XX/XX/XXXX and explained to him why verbally and that a written, certified validation letter was sent to the company for response. According to my credit report, XXXX XXXX XXXX reported to XXXX that the account was closed on XX/XX/XXXX and that the payment status was in collections/charge off and that dispute was resolved ; reported by grantor and also states that no payment history has been reported. It also shows that my times late are XX/XX/XXXX. XXXX XXXX does not even show on my XXXX report. On the Petition that was sent to me, it states that XXXX XXXX XXXX is the Plaintiff and original creditor, but, how can this be if Capital One no longer owns the account and if it was charged off? If I were to assume that Capital One Bank directly hired XXXX XXXX XXXX, XXXX, then I would assume that XXXX XXXX XXXX, XXXX are actual lawyers only and not a debt collector or debt buyer attempting to collect, which, on every piece of document that was sent to me from XXXX XXXX XXXX, XXXX they state on the very bottom of the document that they are law firm attempting to collect a debt. This brings me to believe that XXXX XXXX XXXX is knowingly committing fraud by not only attempting to collect on a defaulted account, but, by attempting to collect a debt by adding interests on a supposedly closed account and claiming they are the original owners of the account and that they hired this company out right in order to proceed with suing me over a claimed amount that they can't prove to be accurate. And then there is XXXX XXXX XXXX, XXXX who states they are " handling '' the account for Capital One Bank when they are actually collecting and auto-drafting my account as it reads on my bank statements that the auto-drafts are paid to XXXX XXXX XXXX, XXXX. when it states on the petition that it is the Plaintiff, Capital One who is suing for the amount claimed. In addition, the amount they were suing me for is different than the amount that XXXX XXXX XXXX debt collector originally stated that I owe via the first phone call I had with them regarding the auto-drafts. If the Plaintiff in the lawsuit is a third-party buyer or debt buyer and not the original creditor, then basically everything they say in court can be ruled hearsay, unless proven otherwise. Not to mention that it is Fraud.
I am not working at this time due to being a full-time student. My husband is a XXXX XXXX, we have 4 kids, pay our taxes and just try to live and get by from day to day. We are already under financial stress because we still haven't received our XX/XX/XXXX tax return that is owed to us and I have worked extremely hard over the past years to pay off my debt and increase my credit. And then to have a debt collector or buyer just swoop in and scare me before I knew of my rights and prey upon me through Fraud is just wrong in so many ways.
Company Response: Closed with explanation
2018-10-23
Atl, GA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief