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 57
2019-10-07
TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: On the XXXX of XX/XX/2019, I purchase a computer from XXXX for {$530.00} and on the XXXX of the same month purchase a year warranty for XXXX. On the XXXX of XX/XX/2019, I send a payment of {$820.00} on line to Capital-one. Now a few days later I received a bill from Capital-one and I believe that I was charge twice. I immediately called Captialone and spoke with a Mr. XXXX. Later I got a request on how to send the computer back and was too late to cancel the complaint. Anyway, I did what the XXXX representative stated and all XXXX broke out. I started receiving double bills with different amount. I even went to a branch in XXXX. I just got disgusted because all I was getting was a run-around. I finally went to my bank and talked with a representative a Mrs.. I have talked with so many people that I didn't get all the names. Anyway, on the XXXX of XX/XX/2019 I was informed to collect all document and sent to him. I mail them, I believe. At this point I have been so confused that I not sure of anything. My money of {$600.00} according to Captialone is stilled. I still want to know how? The has been credit and token back so many times that I'm just a confuse as my bank representatives. Now if you could assist me in this matter it would be appreciate.
Company Response: Closed with explanation
2019-10-07
Etna, OH
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-10-07
Lake Shore, MD
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-10-07
Mc Knight, PA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with explanation
2019-10-07
NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KOHLS/CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation
2019-10-07
Murrieta, 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
2019-10-07
Arco, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation
2019-10-07
Oxford, GA
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with product or service terms changing
Complaint: Capital one and XXXX credit card Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit XXXX is also his and address and numbers
Company Response: Closed with explanation
2019-10-07
MI
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: First,theoriginallysummonswasfiledonunknowndate.Perthissummonsandcomplaintsummonswasissuedwithoutadateandwithoutanexpirationdate.Ihavenotreceivedanynotificationfromthislawofficeregardingtheclaimmadeagainstme.Thus,Iwasneverprovidedachancetofairlyrespondtosuchclaimsmadeagainstmewithinyourcourts.TherequestbytheplaintifftofileasecondsummonswasthengrantedonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.Becausetheoriginalsummonsisnotdated,itisunclearifthissummonswaspotentiallyfiledpriortotheoriginalexpirationdateoftheoriginalsummons.Perthissummons,theplaintiffdoesnotprovideanystatementsorinformationregardingtherationaleofbringingclaimsagainstme.Thus,thiswouldnotallowmetheopportunitytoproperlyoradequatelyreviewtheplaintiffsstatementsmadeagainstme.
Next,theplaintifffiledthesecondsummonsonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.TheplaintiffalsofiledaOrderRegardingAlternativeServicewasalsofiledandissued.Thisdocumentwasaccompaniedwithacomplaint.Itisunclearwhytheplaintifffailedtofileacomplaintwiththeoriginalsummonswithyourcourt.
Theplaintiffstatesthatthissaidcomplaintandsummonswasprovidedthroughmethodof:first-classmail,tackingorfirmlyaffixingtothedoor,andcertifiedmail.Todate,mailhasnotbeenreceivedbythedefendantasproposedbytheplaintiff.ItisunclearhowtwoseparatemethodsofmailingthroughtheUnitedStatesPostalServicecannotbevalidated,or,whytheplaintiffhasnotprovidedproofofsuchformypersonalreview.
Additionally,intheOrderRegardingAlternativeService,theplaintiffallegesthatserviceofprocessuponthedefendantcannotbereasonablymadeasprovidedinMCR2.105.Itisunclearofwhytheplaintiffdeemedprocessserviceunreasonable.Ihavenotexperiencedanyissueswithreceivingotherpersonalitemsanddocumentsthroughfirst-classmail.Ihavenotexperiencedanyissuewithreceivingcertifiedmailfromvariousbusinesses.Infact,Ihavenotexperiencedanyissueswiththedeliveryofmailwhileresidingatthisresidence.ItisunclearwhytheplaintifffiledaXXXXRegardingXXXXXXXXwhenanoriginalmethodofserviceneveroccurred.Itisunclearofwhatand/orwhytheplaintiffrequestedanalternativeto.Aalternativewhobeunderthepretensethatanoriginalattemptwasmadebytheplaintiff;whichcannotbevalidated.Again,itremainsunclearofthelogicand/orrationaleofrequestinganalternativemeanstoaneventwhereanoriginaleventhasnotoccurred.Itisveryconcerningthatplaintiffwouldrequestalternativeservicesbeingawareoftheirfailuretomakeanoriginalattempt.
Likewise,thefirstandONLYattemptwasmadeonXX/XX/XXXX.Atthistime,IarrivedhometofindaSummons,SecondSummons,andaOrderRegardingAlternativeServicetackedtothedoorofmyresidence.Thisiswhentheplaintiffprovidedacomplaintandsummons.Thecomplaintattachedwasextremelyvagueinnatureintheclaimsmadeagainstme,thedefendant.Thisfactthatanundated,SummonswasprovidedwithaSecondSummonsindicatesthattheplaintiffdidnotproperlyservetheoriginalsummons.
Infact,itisunclearifthefirstsummonsisvalid;asthissummonsisundatedanddoesnothaveanysignaturetoindicatereviewandacceptancebyacourtclerk.Further,thesecondsummonsfiledbytheplaintiffindicatesthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.Basedontheplaintiffsstatementinthesecondsummons,afirstsummonswouldnotbeneededregardingthesaidtransaction.ItalsoremainsunclearastoWHENthefirstsummonswasactuallyfiled.Thus,providingpossiblerationaleastowhythefirstsummonsisundatedandnotsignedbyacourtclerk;whyacomplaintwasnotprovidedwiththefirstsummons,andwhyacomplaintandsummonswasonlyprovidedwithanOrderRegardingAlternativeService.
Second,theaddressofwhichtheplaintiffimpliesattemptsofduediligenceweremadebyrequestinganOrderRegardingAlternativeServiceonthesamedatethesecondSummonswasfiled.XXXXXXXXXXXXinXXXXhasbeenmylivingaddresssinceXXXX.TheStateofMichiganwillindicatesuchintheupdatingofmyaddresswiththeiroffice.Also,thisaddressiswhereIreceivenumerouspiecesofmailandbillingstatements.Itisunclearaswhythedefendantwouldnotbeabletofindthisaddressandprovidetimelyprocessservice.Iamaregisteredvoterinthisdistrict.Iaminsuredinthisdistrictwiththisaddress.
Third,onthesecondsummonsandcomplaintfiledbytheplaintiffonXX/XX/XXXX,theplaintiffstatedundertheGeneralCivilCasesportionthatthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.TheaffidavitdoesnotprovidefactualproofthisaccountisindeedanaccountIhaveappliedforand/oropened.Itprovidesanundated,oldbillingstatementindicatingimpendingachargeoffoftheaccountpresented.Itprovidesamundated,oldbillingstatementindicatingapastduebalanceoftheaccountpresented.Thereisnosupportivetoindicatedocumentationprovidedtosupporttheaccountbeingpastdue,theallegedamountpastdue,orhowthatamountwasconcludedandcalculated.
Theplaintiffalsoindicatedthisinthefirstsummons.ThisprecludesthestatementsthatANYsummonswasfiledtimelyonthebehalfoftheplaintiff.Itfurtherbringsintogreatquestionthevalidityoftheallegedfiledfirstsummonsthatisundatedandunsignedbyanycourtofficial.Thisalsobringsintotheintegrityofethicsoftheplaintiff.
Moreover,inXXXXofXXXX,theplaintifforiginallycompletedthesaidcomplaintallegedagainstthedefendant.Yet,thefirstANDONLYattempttocontactmeregardingthismannerwasXX/XX/XXXX.
Iagaingobacktotheplaintiffsattempttopresentanappearanceoftimelyandethicalpracticesinthiscase.AsIwasconcernedbytheunethicalpracticesbythisoffice,IbegantodosomepersonaldiscoveryonmyownabouttheXXXX,XXXX,&XXXXfirm.WhatIfoundisthatthisofficeconsistentlyhadmultipleviolatesoftheFairDebtCollectionsPracticesAct.Severalsuits,includingclassaction,havebeenfiledagainstthisoffice,notonlybyconsumers,butbygovernmentagenciessuchastheConsumerProtectionBureau.
Thisisexactlywhatthisofficeissubjectingmeto.Basedonthisinformation,notonlydoIfeelthiscaseshouldbedismissedwithprejudicebasedontheinformationprovided,IhavefiledcomplaintswiththeXXXXXXXXXXXXofMichigan,theMichiganAttorneyGeneral,ConsumerFinancialProtectionBureau,andtheFederalTradeCommission.
NOW,today,Ihavereceivedadefaultrequestinthemailfromthesameoffice,datedXX/XX/XXXX.PleasenotethatthedateofthepostmarkofthemailisXX/XX/XXXXforfailuretoappear.HOWEVER,IwasNEVERservedanypaperworktoeverappearregardingthismanner.IdidsubmitaresponsetotheirsummonsTIMELYonXX/XX/XXXX.However,onceagain,thisofficeunethicallyoperatesattemptingtocollectonadebtthattheyhavefailedtovalidateonSEVERALoccasionswhenthiswasrequestedinwriting.Yetagain,thisofficehasintentionallyfailedtomakeproperandtimelynotificationinattempttoillegalcollectagainstadebtthattheycontinuetoFAILtoproperlyvalidateinaccordancetothelaw.ThepracticesthisofficeutilizesisHIGHLYunethical,deceptive,andillegal.
Inclosing,Idonotagreewiththestatementsoftheplaintiff,ortheirattempttobringforthaclaimagainstmewhichtheyhavemademultipleconflictingstatementsoncourtdocuments.Inthiscomplaint,thedefendantmakesseveralfalsestatementsinregardstoattemptstoservemewithpropernotificationofthiscase.WiththenewestinformationIhaveprovidedaboutthepracticesofthisoffice,Idonotthinkitwouldfairorethicalforthiscasetomoveforward.
Company Response: Closed with explanation
2019-10-07
Orlando, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-10-07
Fort Walton Beach, FL
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
Company Response: Closed with explanation
2019-10-07
Aurora, CO
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
2019-10-06
Etna, OH
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Didn't receive advertised or promotional terms
Company Response: Closed with explanation
2019-10-06
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: I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my Capital One card. In anticipation of this, I called Capital One right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. Capital One lied to me and reported me as being late anyway.
Company Response: Closed with explanation
2019-10-06
Providence, RI
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: i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.
Company Response: Closed with explanation
2019-10-06
Stanford, 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
2019-10-06
El Paso, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Capital One was reporting a card # XXXX-XXXX ( the last 4 numbers are XXXX ) owed and past due on my credit report and capital one was able to verify the numbers with me originally and last year they removed the item.
Two weeks ago XXXX had yet another file error and Capital One is now re-reporting this item on my credit file. I called Capital One and after 1 hour and 40 minutes with 5 different representatives, I was advised by that they would contact me to fix this. I have not received any phones call, emails or mail from them and the item is still on my report.
This account is in a different social a security or tin number, different name and using an address that I don't use. The social or tin they use is XXXX, where is my social ends with xxx-xx-XXXX, for security I will not reveal my entire real social here.
This is the information on the original person who handled this and it was removed from my XXXX credit report : Case : XXXX 5 Fax XXXX XXXX, spoke to in 2018 to remove bad entry on XXXX Ext : XXXX Call back XXXX, pin XXXX A copy of the police reports, credit listing and other information are enclosed for the record.
Company Response: Closed with non-monetary relief
2019-10-06
Ft Trumbull, CT
Managing an account
Checking or savings account: Checking account
Cashing a check
Complaint: Numerous past complaints have been filed pertaining to a close out check sent to me on XX/XX/XXXX with a stop payment placed on it and a replacement check which was intercepted by a third party while I was away on vacation. I requested Capital One compare signatures on both checks in prior complaints, they failed to do so and have not reviewed information provided concerning the third party whom forged my signature. I provided information showing my whereabouts at time of check cashing, they refuse to review this information as well and hose to mark my complaints as duplicate to avoid addressing it. The account in question was opened as a result of data breach, opened in XXXX. Capital One rep by the name of XXXX stated there was no breach at that time, however, the time period in which information was exposed is from XXXX to XXXX and my information was on file with Capital One from past accounts which were opened as far back as XXXX. It is highly possible the account was opened due to breach as two credit accounts were also opened in my name, both with Capital One. Again, I request Capital One compare signatures on both checks, one cashed on XX/XX/XXXX and second intercepted check, both in the amount of {$4200.00}. Failing to do so, the attorney representing me in data breach will be notified.
Company Response: Closed with explanation
2019-10-06
Key Biscayne, FL
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
Complaint: Capital One Bank Usa Inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX Va, XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XX/XX/2019 requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX- XXXX XXXX, IA XXXX
XXXX inquiry from XX/XX/2019 requested deletion letter
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX
phone number XXXX
XXXX XXXX XXXX XXXX inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXXXX/XX/2019 requested deletion letter XXXX XXXX XXXX XXXX XXXX, IL XXXX
Company Response: Closed with explanation
2019-10-06
San Francisco, 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: I did a purchase through Capital one visa card which I have for more than 15 years, it was online order which turned out to be a fraud site that I purchased from, as I did the research and turned out that the merchant doing this systematically with many customers before, I called Capital one fraud dep. numerous time and I provided them with all documentation they asked me plus a copies of the emails i had with the merchant who did not start hear from him till I report the transaction as a fraud, before i emailed him many times but no respoce, it has been since XXXX but till this day filing this complaint with you Capital one did not cover the charge, mind you when signing up with them they do brag about customers are covered for a fraud transactions, twice I provided them with documents but they are trying to stick it to me and bail out from paying back the fraud charge.
Company Response: Closed with monetary relief
2019-10-06
Yonkers, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-10-06
Alta, UT
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-10-06
Ft Trumbull, CT
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: Two credit accounts including a Mastercard and a XXXX XXXX account were opened in my name on or around XXXX of XXXX, a Capital One 360 checking account was opened prior in XXXX, also a result of data breach. I need statement copies for both credit accounts as well as the checking account, these documents are needed to provide to the attorney representing me in the data breach suit.
Company Response: Closed with explanation
2019-10-06
Arvada, CO
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: I purchased a generator online from a vendor named " XXXX '' on XX/XX/2019 on XXXX XXXX for {$220.00} I received an email giving an order number, XXXX, and that the order was being processed. My credit card was processed on XX/XX/XXXX with a description " XXXX ''. ( attached ) I emailed a reply on the XXXX asking what the status of my order was. The email came back unavailable. ( attached ) I became suspicious and immediately tried to find the vendor. When I couldn't I researched the vendor " XXXX '' and found a XXXX video called " IT XXXX STORE SCAM ''. It tells how they use 3 countries from a set up site to scam victims.
The url is : XXXX : XXXX? XXXX I IMMEDIATELY disputed the charge and sent them everything I am sending you today. Capital one took the charge off on XX/XX/XXXX only to REBILL it again on XX/XX/XXXX. I called them and they AGAIN REMOVED the charge on XX/XX/XXXX! XXXX attached ).
I had become disenchanted ( for lack of a better word ) with this company so I paid off my bill so I could close the account. They IMMEDIATELY REBILLED that same amount of {$220.00} A THIRD TIME on XX/XX/XXXX, preventing me from doing so.
I have called them no less than 6 times during this time and have been told it was taken care of, that they would call me back if there were any issues, etc. Now they are saying time has elapsed and they are not taking the charge off after they had done so twice already.
I have spoken to Capital One no less than 6 -8 times over this and I am at my wits end.
I have a friend who lives 5 blocks away who bought the same generator and his card was credited 2 days later.
This has become very frustrating!
Company Response: Closed with monetary relief
2019-10-06
Bridgetown, OH
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
Company Response: Closed with non-monetary relief