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 63
2019-09-30
Federal Way, WA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: In XX/XX/2019 I closed my VISA VENTURE credit card account with Capital One. Then On XX/XX/XXXX I made two prescription charges for the amounts of {$480.00} and {$370.00}, which, instead of billing them on my XXXX XXXX account, were auto-billed and subsequently paid by Capital One ( without my permission ).
On XX/XX/XXXX I received the billing statement from Capital One, which showed the error. I immediately called Capital 1 and asked them to reverse the charges, and in a conference call with XXXX, requested the latter to rebill my XXXX XXXX account. This was done on XX/XX/XXXX and I subsequently paid for those charges to XXXX.
On XX/XX/XXXX I received a statement from XXXX, which showed that " a chargeback was processed and created debit memo '' of {$480.00}. When I tried to place a new prescription order, I could not do so without first paying this erroneous debt, caused by fraudulent charges created by Capital One. My inability to order new urgent prescriptions ( of XXXX, XXXX and XXXX XXXX medications ) is placing me into a life threatening situation entirely caused by Capital One, which appears to be playing games with my account, for refusing to honor my request to close the account back over 6 months ago.
Company Response: Closed with explanation
2019-09-30
Lewisville, 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
Complaint: Your company illegally pulled my credit within the past 2 years.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Sectio
n 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any docume
nt that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response: Closed with non-monetary relief
2019-09-30
Moapa, NV
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 is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row XXXX XXXX is showing up three times as well
Company Response: Closed with explanation
2019-09-30
Ft Myers, FL
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 non-monetary relief
2019-09-30
Thune, NE
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Complaint: Each time I make a payment, the payment comes out of my bank but is not applied to my account for weeks. The Menard 's Contractor Card with Capital One is terrible. I paid my balance of XXXX on XX/XX/2019. The money left my bank account on XX/XX/2019. As of XX/XX/2019 the payment has not been applied to my credit card.
Company Response: Closed with explanation
2019-09-30
Millcreek, UT
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with explanation
2019-09-30
San Antonio, TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have 2 Credit cards with Capital One. I went to make a payment on both of them and accidentally made a payment twice to one card. When this was figured out I called to fix and they moved payment around but still decided to report the payment late to the credit bueauas. I have talked to several people and they refuse to call me back to fix this issue while I am trying to close on my home loan.
Company Response: Closed with explanation
2019-09-30
Northbush, NY
Problem getting a card or closing an account
Credit card or prepaid card: Gift card
Trouble getting, activating, or registering a card
Company Response: Closed with monetary relief
2019-09-30
Detroit, MI
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: Good Evening, I submitted complaint XXXX against Capital One and XXXX regarding a 30 day late on my credit report after I paid the indicated past due balance to Capital One.
I received a phone call from XXXX with the executive office at Capital One advising me that she had reviewed my file and that I had paid the past due fee, which is not the past due amount. XXXX admitted that the statements can be confusing and that Capital One does not include the past due amount on their statements because they do not want you to pay the past due amount only, they want you to pay the amount in full. The issue I have with this is, if a consumer can not pay the full amount, it is not Capital One 's decision to take the ability to make the past due payment and avoid a 30 day late on their credit report away from the consumer. XXXXCapital One did not reverse the 30 day late as they state they were correct in reporting it because I only paid the past due fee ( which I understood to be the past due amount ).
I find the practices of Capital One to be unethical. Per XXXX, I would have had to contact collections to find the true past due amount. My question to XXXX was, how was I supposed to know to contact Collections? Capital One is deceitful and very uncooperative.
I also asked Capital One to assist me during my financial problems. I am currently a XXXX XXXX XXXX, on full bed rest and unable to avoid the high bills I'm receiving every month from Capital One. I explained my circumstances and I was denied assistance with paying my bills. I was told there was not program that could be offered to me. I find this hard to believe! It only seems logical that Capital One would like to receive some portion of their payments every month instead of me not being able to pay them anything and having my credit ruined because of my unavoidable inability to pay.
Sincerely, XXXX
Company Response: Closed with explanation
2019-09-30
Jersey City, NJ
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
2019-09-29
AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Inaccurate information on credit report shows account revolving.
Company Response: Closed with explanation
2019-09-29
Van Nuys, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: My Capital One card payment is due on the XXXX of each month. I made my payment online on the XXXX at XXXX PT and received a note saying I will be charged a late fee and my payment can only be scheduled for XX/XX/XXXX. I called Capital One and asked them to not charge me a late fee because its a ridiculous, arbitrary policy. I also asked if I could make a payment over the phone because they are open for business and accepting calls and today is not an official banking day so it doesnt matter what time I make my payment. Both I spoke to declined to resolve the issue and said I would be charged a late fee for making my payment at XXXX PT because the cutoff time is XXXX XXXX.
Company Response: Closed with monetary relief
2019-09-29
CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.
Company Response: Closed with explanation
2019-09-29
Ft Myers, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Capital I e is denied my SCRA on my credit card that was opened XXXX XXXX, 2014 while I was still XXXX XXXX.
They state because my card was not opened before military service and I do not qualify.
I would like to know if this is true and if so how can we fix this?
A person on XXXX XXXX should be able to receive the SCRA on credit cards that are open during service.
Thank you.
Company Response: Closed with explanation
2019-09-29
Valparaiso, IN
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-09-29
Salton City, 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: This complaint involves a Capital One credit card.
I had a 30 day free trial with a company called XXXX XXXX XXXX, a fantasy football service, back on XX/XX/XXXX. So I cancelled my free trial, before the 30 days were over.I have the cancellation receipt.
So this company had my credit card information, and 9 months later, they started charging me monthly- {$29.00}. So if I hadn't cancelled their service, I would've been getting charged the previous 9 months too, you know?
So I contacted Capital One, provided them the receipt showing I cancelled this service, and Capital One told me my cancellation receipt wasn't enough information??
I'm so upset with Capital One, they treated me like I'm some kind of criminal, and this company was the one that took my credit card number and started billing me randomly after a 9 month hiatus.
I got billed 14 times for {$29.00}, as this company started billing me twice a month for some unknown reason, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I just thought I post this situation, so someone considering any Capital One credit card, might want to rethink about it.
What is funny, is the same thing happened to my wife, she had the same problem with her XXXX XXXX credit card and the same company, XXXX XXXX XXXX, starting to randomly starting to charge her card a few months after cancellation, and XXXX XXXX was great. They immediately credited my wife 's account, didn't treat her like some crook, and didn't have her on the phone for 3 hours like Capital One, and didn't make her wait for weeks for a decision, and then favor the rogue, scam company. How obvious was this?
Company Response: Closed with monetary relief
2019-09-29
Carver, MA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: Store credit card
Their investigation did not fix an error on your report
Complaint: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
How is it possible that the DATE OF LAST ACTIVITY on XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. That's months, and year apart!!! There is no way that the same company/bank would send totally different data to the credit reporting agencies.
Company Response: Closed with explanation
2019-09-29
Ellenwood, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : CAPITAL ONE - XXXX**** 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 explanation
2019-09-29
Jupiter, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: What they have reported : i was late on a payment & the loan was not paid in full.
i was never late on a payment, I paid the full loan balance off.
Company Response: Closed with explanation
2019-09-29
Tarzana, 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: XXXX charged an application fee but I was not admitted due to an error on an XXXX Enrollment Specialist making an error. I had to wait until the following semester to start school so I disputed this charge until or unless XXXX refunded me for the application fee. They took awhile so I filed a dispute with Capital One. Then a few days later XXXX settled the issue and paid me back in full. Now Capital One is refusing to release the provisional funds back to card until the Merchant responds to some letter. The merchant has responded. They paid me back. I need this case closed and the dispute cancelled. I'm being held up for admittance for the next semester now due to this. This dispute is over. XXXX fulfilled their duties. Cancel the dispute immediately.
Company Response: Closed with monetary relief
2019-09-29
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security XXXX until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Company Response: Closed with non-monetary relief
2019-09-29
Las Vegas, NV
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 explanation
2019-09-29
Disautel, 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 monetary relief
2019-09-28
Anaheim, CA
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: the following is XXXX, so I am filing tort action claim, against Capital One and XXXX XXXX XXXX for holding on to both my XXXX and XXXX savings accounts and freezing my checking account, so every check that bounces and does not clear, will add up the fraud and damages, so right now, it's a small claims case, but will sure to go up to civil limited between 10K and 20K accordingly.
XXXX Wed XX/XX/2019 XXXX XXXX You XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money.
Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX
We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX
Company Response: Closed with explanation
2019-09-28
Seneca, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Old information reappears or never goes away
Complaint: my credit is XXXX i have no credit and can't get approved for any credit because i don't have any credit so how am i supposed to build credit if i get denied for everything i apply for and the only thing that's on my record is hospital bills from when i was pregnant and i was on XXXX so XXXX should have paid for those bills but for sum reason they are still on my record i have tried to get it taken off but it aint went nowhere. i have tried and tried to build credit but cant seem to get approved for anything since i don't have any so what do i do how do i build credit if i cant get approved for anything that do i do because i cant even get a loan and im trying to buy a home and start a business but cant because i have no credit what should i do
Company Response: Closed with explanation