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 52
2019-10-12
Louisville, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Capital One. Both XXXX and XXXX failed to do an investigation before reporting false information. Capital One failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. Capital One Never has sent any documents bearing my signature.
Company Response: Closed with explanation
2019-10-12
Bremen, GA
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: i have a capital one card were i pay XXXX monthly and i had XXXX XX/XX/2018 which is causing me to have complications afterwards during my healing process. please forgive me due to this set back that is beyond my control.
Company Response: Closed with explanation
2019-10-12
San Diego, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Capital One did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.
Company Response: Closed with explanation
2019-10-12
Hollywood, FL
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-10-11
Main Office, VA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Company Response: Closed with explanation
2019-10-11
Wallington, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Complaint: I disputed the account in the amount of {$1300.00} that I do not owe and I received a tuped copy and not a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Signed contract with social 3. Copy of charges or statements and/or copy of whatever you have to prove this is 100 % accurate.
None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Company Response: Closed with explanation
2019-10-11
Naples, FL
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 or about XX/XX/2019, my wife was involved in an elaborate scam that requested she purchase gift cards for the XXXX XXXX and Walmart to catch a " credit card '' scammer. The XXXX logo and website were a part of all the e-mails she received as well as an " XXXX '' representative when she called. The representative said that " if she purchased gift cards they would be able to track the person trying to " Steal Money '' from my wife and others. The XXXX Representative said the money would be refunded at the end of the day.
My XXXX XXXX card company called me ( wife and I are on the same account ) and I denied the charges. My wife then called Capital One and XXXX XXXX XXXX ( 2 other credit cards ) immediately after I told her it had to be a scam. She then filed a police report with the XXXX, CT police department of which we have a copy. XXXX XXXX and XXXX XXXX XXXX have taken the charges off of our respective bills.
Capital One is reapplying the charge of {$1500.00} this month to our bill. This is after two divisions of their company have investigated the charge. Their claim is that they have " no rights '' regarding the charge. Their claim is that she said she made the charge ( hoping to protect herself and others from a scam artist ) .. My understanding from them is that if she had said she didn't make the charge ( lied ) it would have been declared fraudulent and all would be resolved.
After the company said they were reapplying the charge and that I could not speak with a company representative higher than who I was speaking with, I called the XXXX police department and the officer who created the report graciously called the credit card company and spoke with someone in the law enforcement division who was unhelpful. He wrote an addendum to his original report which my wife and I also have. I can supply all the different claim numbers and even the credentials of the last representative that I spoke with regarding the {$1500.00} charge. {$1500.00} is a lot of money and the claim can truly not be investigated as the XXXX XXXX store that the {$1500.00} gift card was supposed to be taken from did not exist ( it was the " scammer '' ). We can not afford to pay {$1500.00} that we did not receive anything for.
The fraud/scam was reported immediately to both the credit card company and the police. I would like to resolve this without taking any legal action. Would CFPB be able to help resolve this issue with Capital One?
Company Response: Closed with monetary relief
2019-10-11
Houston, 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: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Closed with non-monetary relief
2019-10-11
Lakeview, NY
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-10-11
Little Rock, AR
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
2019-10-11
Weston, CT
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
2019-10-11
Henderson, NV
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-10-11
Tucson, AZ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-10-11
City Industry, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-10-11
Brooklyn, NY
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
2019-10-11
Wallington, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: In XX/XX/XXXX, a payment to a CapitalOne Credit Card was submitted late. At the time of that my APR was 23.24 % and the card balance was {$15000.00}. Since then, CapitalOne - without any notice - increased my APR to 31.65 % and applied this new APR to the entire balance that was there prior to the increase. That is a direct violation of the Credit Card Act of 2009, as creditors CAN NOT increase APR without first providing written notice of it, and this new APR can only be applicable to any new purchases since the date of the increase. Lastly, an account must be delinquent for over 60 days for a creditor to be able to increase APR on said account. I have tried to resolve this issue directly with the creditor since, however to no avail.
Company Response: Closed with explanation
2019-10-11
LA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: Requested an account modification by reducing payments or increasing the number of payments in XXXX. I was denied supposedly because they couldn't reach me. But, I received the denial letter. I paid the car note then we experienced another hardship due to Hurricane Barry. I requested another modification on XX/XX/XXXX and the papers were emailed on the same day. I had until XX/XX/2019 to submit the information. On XXXX the XXXX the car was repossessed during the night like I was a fugitive on the run. Now that the car has been repossessed and sold, I'm being offered a repayment plan.
Company Response: Closed with explanation
2019-10-11
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with CAPTIAL ONE without my authorization.
There was 3 credit card accounts opened without authorization from XXXX XXXX.
When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Company Response: Closed with explanation
2019-10-11
Plattekill, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Too many phone calls during the day
Company Response: Closed with explanation
2019-10-11
Littleville, AL
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-10-11
Columbia, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief
2019-10-11
Carver, MA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Was not notified of investigation status or results
Complaint: This account is being reported inaccurately on my credit report. I see repetitive late marks and invalid date of last activity which is a violation.
This is being reported with repetitive CO marks and the date of last activity in invalid, XXXX shows XX/XX/2018, XXXX shows XX/XX/2018 and XXXX shows XX/XX/2018. All 3 dates should be the same!
Company Response: Closed with explanation
2019-10-11
Northridge, 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 monetary relief
2019-10-11
Lewisville, 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
Complaint: This is in continuation of the complaint filed on XX/XX/2019.
Complaint XXXX We have not received any response to date.
On the contrary Capital One has resorted to harassment, insult, extortion and intimidation. Please see the attachment.
Company Response: Closed with explanation
2019-10-10
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