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 61
2019-10-02
Beverly Hills, 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
Company Response: Closed with explanation
2019-10-02
Ladies Island, SC
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: On XX/XX/2019, using my Capital One Credit card, I paid XXXX XXXX XXXX in XXXX XXXX XXXX SC a total of {$2700.00} for 6 months advance tuition for my daughter XXXX XXXX. On XX/XX/XXXX, I was contacted by email by the then owner ( XXXX XXXX ) about a promotion for 50 % off of advance payment of 6 months tuition. Having just paid 6 months of tuition, I disregarded it. Then, on XX/XX/XXXX, Ms. XXXX contacted me by XXXX messenger about this promotion. She said her AC units at the daycare needed repairs and since I was not factored into future budgets, she was reaching out to me to see if I wanted to prepay for 6 more months. I said no because I had just paid the 6 months barely a week prior. She then agreed to discount the 6 months I had just paid and credit the difference for 6 additional months. I agreed to an {$1100.00} difference to cover our daycare tuition for an entire year. However, the very following business day, XX/XX/XXXX, I was sent an email from XXXX stating she was moving to the XXXX XXXX and that new owners would be taking over. XXXX XXXX the new owner went on to introduce herself in this email and even stated that tuition would not change, so I thought I was good. However, to be sure, the following day, I went to the office and spoke with XXXX XXXX. XXXX informed me that the new owners were unaware of any prepaid tuition and asked that I email her all documents and screenshots from conversations, which I did. She immediately responded that I should dispute all charges with my credit card company immediately. I went on to do this that same night, XX/XX/XXXX. They told me that they would credit the amount {$3800.00} to my account, which they did. HOWEVER, on Friday, XX/XX/XXXX, I happened to be looking at my credit score and saw that it had decreased by 85 points. Confused by this, I went on to further investigate my accounts and realized that it was because capital one had rebilled me for the {$3800.00} that I had disputed. Upon calling them, I was informed by XXXX that they had sent me a request for further documents by XX/XX/XXXX. I told her that I never received that request for documents, but was told that my case was still open and I would need to provide a letter from the new owner stating that the services I paid for would not be rendered. I worked tirelessly all weekend trying to upload these documents ( their document upload process is nearly impossible! They only allow certain documents to be uploaded and not screenshots, I spent literally over 4 hours in total on the phone with them trying to get this done. Between this phone call on XX/XX/XXXX and XX/XX/XXXX ( today ) I have faxed and emailed pages and pages of documents, including a signed letter from the new owners of the daycare stating I had paid for the services right before the change of ownership and that they could not honor this payment, police reports from myself and other families against XXXX XXXX, even a newspaper article about how Ms XXXX scammed families out of a total of {$100000.00}.
On XX/XX/XXXX, I spoke with XXXX at Capital one who told me that I had 120 days and was still in that timeframe until XX/XX/XXXX. She suggested uploading the documents as she told me their process time by fax could be 7-10 business days, which would put me outside of the 120 day window. After talking with her and HOURS AND HOURS of trying to upload documents ( their website is a nightmare ) I finally got the documents to load on XX/XX/XXXX. However, upon calling back on this day, I spoke with XXXX and was told that they closed my case because they didnt have enough documentation. I provided the letter from the owner stating I would not receive the services I paid for as they requested, but was told that it was too late. I also spoke to her supervisor XXXX, who told me my case is closed and there is nothing more to do, that I need to file a civil case and I am responsible for the amount on my card. I called and spoke to another supervisor XXXX that told me the same.
Unfortunately, I dont want to pay for services not rendered, especially when I can prove that these services were not rendered and am still within my 120 days. I would also like my account credited the {$3800.00} as well as to have my credit scores adjusted accordingly. This entire situation is killing me because in addition to this year of tuition that I paid for, my husband and I are now paying tuition at another daycare since we wont recieve the services we thought we were paying for before. Also, I missed an entire month of work this summer due to daycare closures related to the change in ownership and am struggling financially as a result. If there is any possible way of helping me, I would be beating greatful. My family deserves better. We literally only have one child because we can not afford daycare for another, and yet here we are stuck double paying for tuition this year.
I would attach documents of email correspondence from Capital one, but they tel me that they dont have email. I have no documentation from them other than my statement balance and credit scores.
Company Response: Closed with monetary relief
2019-10-02
Houston, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-10-02
Vacaville, CA
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
Company Response: Closed with monetary relief
2019-10-02
Springfield, OH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2019-10-02
LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: My journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before.
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of.
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report.
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report.
XX/XX/2019 a name that is not my own is being used under my social security number.
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit.
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.
Company Response: Closed with explanation
2019-10-02
IA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I paid off a judgment years ago, Capitol One never released it with XXXX XXXX County, Iowa and I am now unable to close on a house that I am trying to purchase. I spoke to Capitol One on XX/XX/2019 and Capitol One keeps telling me it is in " legal '' and they don't have a telephone number for legal.
I really need to close on my house and the bank won't lend the money because of this old judgment that I paid off long ago.
Someone told me it appears that Capitol One is possibly doing this as part of its strategy to fight a bankruptcy ruling where it was sanctioned : https : XXXX I hope this is not true, I just want to close on my house.
Company Response: Closed with explanation
2019-10-02
Carrollton, TX
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 non-monetary relief
2019-10-02
East Detroit, MI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-10-02
Long Beach, 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
2019-10-02
Chaplin, CT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-10-02
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: Credit reporting creditors, 3 major credit bureaus and sub bureaus update disputed credit information with past account statuses in accounts status column and balance and payment history for various months and previous as well as current months when all revolving and installment accounts with the exception of federal student loans have been brought to closed, paid, sold or transferred, as current account ( s ) status. Requested vigorous investigations into matter to no positive outcome and past, now present delinquencies that have been previously requested for correction, deleted or no data be provided for inaccuracies found to no avail or positive outcome. Please remedy situation at hand.
Company Response: Closed with explanation
2019-10-02
Sacramento, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-10-01
Mdn, MS
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
2019-10-01
FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done
Company Response: Closed with explanation
2019-10-01
Ft Belvoir, VA
Closing an account
Checking or savings account: Checking account
Can't close your account
Complaint: I have had problems with the bank - CapitalOne360 for several months, and their answer was this - Our records show that the decision to end our business relationship and close your accounts were made after our Security Team reviewed activity in your accounts and profile information. A restriction was placed on all your accounts while our Claims Team researched the disputes youve recently filed on transactions made with your debit card.
Once all your claims have been closed, which can take up to 90 days from the date the claim was filed, the accounts will be closed, and a closeout check will be mailed to your address on file with the remaining funds.
All my disputes were resolved a week ago or more, I contacted them but they did not care. They do not want to give back the money that was left on the account. Just use them.
One time, I received an email that all my accounts can be closed and the money transferred to external account. So, do it. Who is responsible for this?
Branch cant help and on the phone either, some kind of holy fraud department decides it that you cant even talk to it on the phone. Only telephone entry. I am in shock.
Company Response: Closed with explanation
2019-10-01
Heights, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-10-01
TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I got this letter / bill in my mail box stating : Dear XXXX your account was sold to XXXX XXXX XXXX XXXX. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/2014, that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/2014 all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. Capital One the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.
Company Response: Closed with explanation
2019-10-01
Magnolia, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX and capital one data breach caused my credit to have th XXXX account ftc that was removed and put back on fcra violation
Company Response: Closed with explanation
2019-10-01
Skyland, AL
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
2019-10-01
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Company Response: Closed with explanation
2019-10-01
Pgh, 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
2019-10-01
Lacey, WA
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
2019-10-01
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-10-01
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: The account is being reported incorrectly. I see several repetitive late marks which is a violation. Also, the date last active is inaccurate XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. All 3 dates should be the same.
Company Response: Closed with explanation