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 47
2019-10-17
Chesterfield, NJ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-10-17
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-10-17
Plymouth, FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: Unable to come to an agreement on interest rates on used car loan when my credit was good. Now Im behind on payments and my credit got worse I e been upside down on this loan with no recourse.
Company Response: Closed with explanation
2019-10-17
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-10-17
Kingstree, SC
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Complaint: Capital One and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Company Response: Closed with non-monetary relief
2019-10-17
Bronx, NY
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: Account was paid by my grandfather. When he died, his brother took over the account as his beneficiary. He stopped the payments and closed the account without my knowledge. So why am Im receiving none payment on my credit report?
Company Response: Closed with explanation
2019-10-17
Hamilton, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-10-17
Norman, OK
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-17
Orion Twp, MI
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
2019-10-17
Boston, MA
Closing an account
Checking or savings account: Other banking product or service
Can't close your account
Complaint: Trying to close my savings and checking accounts with Capital One but it seems to be impossible to contact this bank. Phone line has a line for hours and keeps getting disconnected, and no other ways to contact are offered.
Please close my Capital One bank accounts : XXXX XXXX
Company Response: Closed with explanation
2019-10-17
Palos Park, IL
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I have let Kohls know of my charge was incorrect they were supposed to close mine and send a new one they never did. They also put it in dispute back and forth and tried to put on all these late charges and never took care of the dispute 2 of the disputes one for XXXX and XXXX were never taken off and while on dispute they charged me a higher late fee of XXXX. They have me still owing XXXX which is not correct.I have contacted XXXX XXXX which in return she sent it to a XXXX who called and was very rude almost threatening me. Please look into this as they have not helped me.
Company Response: Closed with monetary relief
2019-10-17
GA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: XXXX XXXX Last four of SSN : XXXX Last month, I missed a phone call from an agent at capital one, they left a voicemail requesting for me to call back. I was concerned at why they would be calling so I checked my account to see what was going on with it and realized my account had been restricted. I contacted customer service immediately to rectify the situation and was advised that I needed to send copies of my i.d . front and back as well a signed copy of my social security card. The first manager that I spoke with advised that if I uploaded my documents that day that I could call back and ask for a manager for them to do a live review and to release the restriction. When I called back, I was advised that they would not do a live review for me and that I would have to wait 7-10 business days. I patiently waited and never heard back from anyone. I called again asking for the restriction to be lifted and was advised that they would not do so until they have received copies of i.d . and ssc for every authorized user on my account. I let the representatives know that they could simply just remove the authorized users from my account as I have contacted them and they were not comfortable in doing so and legally, they do not have to provide me such information as that is their personal vital information and they are not legally responsible for the account. To date, Capital One has not given me any formal reason to why my account is restricted. I have had this account with them for a year and would like to continue to utilize my account. I have done my end of cooperation but I can not provide them anyone else 's vital information without their consent. My account is still restricted and it is unjust.
Company Response: Closed with explanation
2019-10-17
PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I've never had a missed payment with CapitalOne credit card. I do my very best to stay on top of my payments and it says on my credit report that I have 1 missed payment 30 days late listed for on XX/XX/2017. This account was on automatic payments so there is no way there would be late. I called CapitalOne and they looked into it. They said they could change it but they can't remove it because " their system wont let them ''. I've been working very hard on my credit and have been a faithful customer of CapitalOne for years. I don't understand how they cant remove that when it was their doing. I really like doing business with CapitalOne but I also really like to have a good credit score and this is impacting my score and I would like it removed.
Company Response: Closed with explanation
2019-10-17
Groveland, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-17
Allamuchy Twp, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-10-17
New Rochelle, NY
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
2019-10-17
Walthill, NE
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-10-17
WV
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I have got a hold of Capital One and made a payment for closed account that said it's still opened on my credit report and wanted to keep that credit card and build my credit back up.
Then there is a utility bill that I have been unable to get off my credit report that doesn't belong to me. All I'm wanting to do it get my credit report back in good condition.
I would greatly appreciate your help with those matters.
Thanks, XXXX XXXX
Company Response: Closed with explanation
2019-10-17
Sunnyvale, 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
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with non-monetary relief
2019-10-17
Gainesville, FL
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
2019-10-17
Newnan, GA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: Hi. I am submitting a complaint in regards to Capital Ones application process. I submitted an application for a card. I got a denial but it didn't seem like it processed. I called and spoke with a rep, but she was speaking from a script. I feel like I was denied because I have a 7 year extended fraud alert on my credit across all 3 bureaus. I would like someone to reprocess my application and verify my identity. There is no reason why I should have been denied.
Company Response: Closed with explanation
2019-10-17
Ahoskie, NC
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
2019-10-17
North Hollywood, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with explanation
2019-10-17
Hamburg, MN
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: On XX/XX/2019 I received via standard mail a letter from XXXX XXXX XXXX XXXX XXXX in my mailbox. The letter was a notification of a Garnishment Summons on behalf of their client XXXXapital One sent to my employer XXXX XXXX. The letter indicated that it had been sent to me via certified mail ( which it hadn't XXXX. XXXX XXXX XXXX had previously served a Garnishment Summons on my employer in XX/XX/2019 for the same debt and collected {$590.00} on XXXX, {$1200.00} on XXXX and {$630.00} on XXXX. Fast forward to XX/XX/2019 and here they are AGAIN serving my employer for the same debt as they had previously done. This is clearly either an attempt to harass me and/or an attempt to generate fee income by not garnishing the full amount all at once and/or an attempt to cover incompetent work performed the first time they did this.
Additionally, there was NO required notice of exemption included in this notification mailed to me. I have XXXX XXXX XXXX and we are on a number of XXXX and XXXX programs that render my income exempt from garnishment. However I just found this out as - for the SECOND time - the required exemption notices were not included. So, the thousands of dollars that they garnished from me the last time causing me an extreme financial hardship I was legally exempt from and would have known as much if XXXX and XXXX had followed the law and included the required disclosures that time or this time.
I had my husband call them today to ask about the garnishment. XXXX and XXXX admitted that the disclosures hadn't been included and sought a way to send them to us. They also admitted having been able to add additional fees to the balance from XXXX to now. They also admitted that over half of what they are attempting to collect this time is fees. My husband presented them with three scenarios - the first is that he would pay them the {$470.00} in remaining actual principal on the debt ( minus the fees ) and that they leave us alone and stop trying to cause issues for me with my employer by REPEATEDLY garnishing the same debt. The second was that he file the exemptions for the debt and that they never be able to collect - even if they extend their default judgment another 10 years as our children are very young. The third option was that he pursue all of our legal options and notify regulators about their illegal and harassing actions. They rejected the money and said to " do what you have to do ''. Their representative " XXXX '' then proclaimed he would be exercising his right not to talk since my husband had apparently " threatened legal action '' with his third option and then hung up on him.
As XXXX and XXXX has violated the law and NEVER sent me the required exemption information - causing our family EXTREME financial hardship, as XXXX and XXXX has REPEATEDLY harassed me through jeopardizing my employment by REPEATEDLY serving notice to my employer and as XXXX and XXXX has intentionally broken up garnishment to generate more fee income, I request a formal inquiry into their practices and the maximum sanctions available to stop them from doing this to any more Minnesotans.
Thank you for defending us victims of predatory companies such as XXXX and XXXX who count on us not standing up for ourselves.
Sincerely, XXXX XXXX
Company Response: Closed with explanation
2019-10-17
N Hollywood, 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 non-monetary relief