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 71
2019-09-20
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Company Response: Closed with non-monetary relief
2019-09-20
Des Moines, WA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-19
Lakewood, 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
2019-09-19
Baton Rouge, LA
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I deposited a money order through the ATM, the system said it was validated.
They said that they did a chargeback on the money because it had been altered. I used my card on the XXXX that evening around XXXX and I did not see an NSF charge in the app. When I tried to use my card on the morning of the XXXX my transaction was declined for XXXX dollars. I immediately went to the bank to deposit funds. When I checked the app again, they had added a {$35.00} NSF fee. I wasn't notice and was not given a 24 hour window to deposit funds to any transactions. Their system is automatically generating NSF fees with out an alert or 24 hour window to deposit funds.
Company Response: Closed with explanation
2019-09-19
Bellaire, TX
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: I have been lied about a refund from the pending deposit by 3 different CSR 's. I have patiently waiting for my * {$790.00} and been giving 4 different times dates the check was mailed. Its been 1 month 2 wks and in the first week of XXXX was told 10 working days and nothing. I called and was told 14-17 working days so I waited. then I was told account just closed on XX/XX/28 and ity be 10 working days again and check to was mailed. I waited past 10 working and no funds so I called CSR and was told it was XXXX and claim it and it was sent back and couldn't provide me with tracking # and was getting answers from a department that I couldn't speak to for some reason after being told 15 more days today. We are retired we are always home and I called today to be told that internal management said which only speaks to employees 15 more days!! I have a small business and which relies on these funds to keep going and because of this, it will be closing. I would use this money to take my XXXX son 's needs which have helped out for years and now we suffer and figure out things because of your bank 's inconsistency and CSR 's that lie and tell whatever. All is my money back not yours that we worked for and there shouldn't any excuse! I WILL BE FILING A COMPLAINT WITH THE FEDERAL RESERVE AND ATTORNEY GENERAL YOUR AREA. I have been pushed around so much by a bank and sure took out fees to be treated like this. I want some to call me that make decisions and tell me where I can pick my funds. I have long enough and been very patient my number is XXXX XXXX or email me
Company Response: Closed with explanation
2019-09-19
Glendale, AZ
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Company Response: Closed with explanation
2019-09-19
Grand Junction, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I looked on XXXX XXXX and saw that there was an extra credit card being reported. This account was opened XX/XX/XXXX. The individual was making payments consistently up until XX/XX/XXXX. At this time I was added as an authorized use to this account without my permission. I would never add myself to anyone 's financials, I won't even be on the same phone plan as someone else. I called Capital One, who issued the card, to remove myself from this account. They will not tell me who owns the account that I am an authorized user on " to protect their identity ''. What about the protection of MY identity? Someone has ruined my credit and I can't find out who. I would like to take this up legally with the person but I have no idea who it is. It only shows me that it is a Capital One Card, the user is listed as " un-designated '', it opened XX/XX/XXXX, the last payment was XX/XX/XXXX, the minimum payment is {$61.00}, and that i am an authorized user. It is maxed out at 147 % credit utilization and a balance of {$730.00} They told me they would gladly accept a payment from me but couldn't tell me ANY other information. I asked to be removed and she told me to cut up my card ( I do not have an authorized user card for this account, but someone else does along with the primary card holder who is unknown )
Company Response: Closed with non-monetary relief
2019-09-19
Eldorado, WI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: XX/XX/XXXX received call we let go to voicemail claiming to be Capital One. Stated : " There was a problem with your account, but we have resolved it. If you have any further questions, call ( phone number given ). We ignored it as a scam call. XX/XX/XXXX received bill from Capital One and were surprised to see two new names authorized to use our account, XXXX XXXX and XXXX XXXX. The week prior, a collection company letter was received about a overdue XXXX XXXX XXXX bill for a XXXX XXXX we returned to sender.
Called Capital One and eventually got to the Fraud Dept. New cards would be issued to us, but subsequent email to us stated new cards would also be issued to XXXX and XXXX. Called Cap One again and were assured that is not true, but no one could state why the email was sent saying otherwise.
File a fraud alert with XXXX. Filed identity theft report with local police. They said to get the address where the cards were sent would be helpful if they are local. I called Cap One and Fraud Dept reported these fraudulent cards were sent to XXXX, Wisconsin, but claimed federal law protects the confidentiality of the crooks who stole our identity. I was given another number and a fraud report number : XXXX. I was given a phone number to text. No response.
Company Response: Closed with explanation
2019-09-19
East Aurora, 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
2019-09-19
Jackson, TN
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
2019-09-19
Lawncrest, PA
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 rented a car from XXXX XXXX XXXX XXXX because my vehicle went down under recall and I need it to rent a vehicle for the weekend until XXXX gave me a loan at the following week I was supposed to be charged the $XXXX I returned the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge large amounts of money to my credit card $XXXX to $XXXX $XXXX I had been calling them trying to see whether if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the for last 4 digits of the card and I thought they were telling me that they was just doing it just to verify with me but they were trying to charge the car Capital One was declining the charges I was seeing that this was happening online I also was contacting Capitol One telling them that XXXX was trying to continuously charge my car so I returned the car and later found out after they said my account was closed and it was $XXXX charge for the weekend I found out later XXXX was still trying to charge my card a week later they charge $XXXX then they charge $XXXX I have returned the car they never put the car in inventory so they continue to act like I had the card out I contact XXXX finally speaking to a supervisor and he said the car was never inventoried in and they will return the funds what my problem was why did Capitol One allow the $XXXX charge to my card when I only have $XXXX credit limit available and it would decline and all the other charges they allow the $XXXX charge in a $XXXX charge I called Capitol One told him this was an unauthorized charge for XXXX and XXXX and I had to no business with Capitol One I mean no business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capitol One said that they were going to follow dispute I asked for dispute after talking with them I told him to charge was unauthorised that XXXX should never have been able to charge it because Capitol One should not allowed it so Capitol One canceled my card I gave me a new card they told me it would take 30 to 90 days to review and investigate it took about two months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I got a call telling me that I was going to owe Capital One $XXXX after they did a 60-day review of the investigation and put $XXXX back on my car so I had I told them why when they gave me $XXXX available credit and why was I being charged and they said it was from XXXX and so I couldn't understand why did they give me $XXXX and then turn around within a week after I used it three hundred and then tell me I owed $XXXX which ran my bill up way over six $XXXX when only had $XXXX credit limit I run it a car from XXXX XXXX XXXX XXXX I'm because my vehicle went down under recall and I need it to run a vegan call for the weekend until kid game me a loner the following week I was supposed to be charged XXXX dollars every turn the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge Lodge amounts of money to my credit card $XXXX $XXXX $XXXX I had been calling them trying to see where it if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the four last for digits of the card and I thought they would telling me that they was just doing it just a verify with me but they would try to trust the car capital One was the climbing the charges I was seen that this was happening online I also was contacting Capital One XXXX them that XXXX was trying to contains the charge my car so I return to car and later found out after they said my Camas closed in it was a XXXX and $XXXX charge for the weekend I found out later XXXX still trying to charge my card it week later they charge $XXXX then they charged $XXXX I have returned the car they never put the car in inventory so they continued act like I had to cart out I contact XXXX finally speak into a supervisor and he said the car was never inventory in and they were returned the fun some my problem was wide XXXX Capital One allowed the XXXX dollar charge to my card when I only have $XXXX credit limit available any would decline and all the other charge the allow the $XXXX charge in the XXXX dollar charge I called capital One toll him this was the man authorized charge for XXXX and XXXX and I had to know business with Capital One me know business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capital One said that they were going to follow dispute I asked for dispute after talking with them I told him the charge was on the authorized and that XXXX should never have been even a charger because Capital One should not allowed it so capital One cancelled my car and gave me a new car they told me what take 30 to 90 days to move you investigate took about 2 months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I gotta call tell him me that I was going to owe Capital One XXXX dollars after they did a 60 day leave you of the investigation and put $XXXX back of my car show I had told my when they gave me $XXXX available credit and why I was a being charge and they said it was from XXXX and so I couldn't understand why did the give me $XXXX and then turn around with in a week after I used to XXXX tell me a told XXXX dollars which ran my bill up way over 6 $XXXX when only had $XXXX credit limit sound like that they would do it they did that I'm purpose I had contains Lehigh conversations with them throughout the 60 days trying to figure out what was going on they kept telling me they would trying to contact XXXX they wasn't havoc success and now I'm in Big that I am disabled on a fixed income I tried to talk to them over and over they would tell him me that they will working on it literally falling dispute they never did that I spoke to supervisor all on XX/XX/XXXX who said to me that he was going to call me back on XX/XX/XXXX and we fall the dispute and talk to XXXX that never happened he lied to me there also called me at that age something that night when I who has a son with XXXX was doing a I run it a car from XXXX XXXX XXXX XXXX I'm because my vehicle went down under recall and I need it to run a vegan call for the weekend until kid game me a loner the following week I was supposed to be charged XXXX dollars every turn the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge Lodge amounts of money to my credit card $XXXX $XXXX $XXXX I had been calling them trying to see where it if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the four last for digits of the card and I thought they would telling me that they was just doing it just a verify with me but they would try to trust the car capital One was the climbing the charges I was seen that this was happening online I also was contacting Capital One XXXX them that XXXX was trying to contains the charge my car so I return to car and later found out after they said my Camas closed in it was a XXXX and $XXXX charge for the weekend I found out later XXXX still trying to charge my card it week later they charge $XXXX then they charged $XXXXXXXX I have returned the car they never put the car in inventory so they continued act like I had to cart out I contact XXXX finally speak into a supervisor and he said the car was never inventory in and they were returned the fun some my problem was wide XXXX Capital One allowed the XXXX dollar charge to my card when I only have $XXXX credit limit available any would decline and all the other charge the allow the $XXXX charge in the XXXX dollar charge I called capital One toll him this was the man authorized charge for XXXX and XXXX and I had to know business with Capital One me know business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capital One said that they were going to follow dispute I asked for dispute after talking with them I told him the charge was on the authorized and that XXXX should never have been even a charger because Capital One should not allowed it so capital One cancelled my car and gave me a new car they told me what take 30 to 90 days to move you investigate took about 2 months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I gotta call tell him me that I was going to owe Capital One XXXX dollars after they did a 60 day leave you of the investigation and put $XXXX back of my car show I had told my when they gave me $XXXX available credit and why I was a being charge and they said it was from XXXX and so I couldn't understand why did the give me $XXXX and then turn around with in a week after I used to XXXX tell me a told XXXX dollars which ran my bill up way over 6 $XXXX when only had $XXXX credit limit sound like that they would do it they did that I'm purpose I had contains Lehigh conversations with them throughout the 60 days trying to figure out what was going on they kept telling me they would trying to contact XXXX they wasn't havoc success and now I'm in Big that I am disabled on a fixed income I tried to talk to them over and over they would tell him me that they will working on it literally falling dispute they never did that I spoke to supervisor all on XXXX XXXX who said to me that he was going to call me back on XXXX XXXX and we fall the dispute and talk to XXXX that never happened he lied to me there also called me at that age something that night when I who has a son with XXXX was doing a little she program in comparing him some big and tried to force me to have a conversation and tell me that they will gonna make sure that I would be responsible they call me at XXXX at night and I was doing the literacy program with my son and tried to force me to accept a charge that I would not agree with supervisor said he was going to call me back on the XXXX he never did I need help please help me with this
Company Response: Closed with explanation
2019-09-19
Murphy, TX
Incorrect information on your report
Credit card or prepaid card: Store credit card
Account status incorrect
Company Response: Closed with explanation
2019-09-19
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX account the was closed for XXXX XXXX XXXXXXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Company Response: Closed with non-monetary relief
2019-09-19
Dayton, WY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-09-19
Scottsdale, AZ
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
Company Response: Closed with explanation
2019-09-19
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-19
Fountainville, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: There are several credit disputes I have filed 103 XXXX XXXX bureaus XXXX XXXX XXXX and XXXXbreachsettlement
Company Response: Closed with non-monetary relief
2019-09-19
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: My name is XXXX XXXX XXXX XXXX CT XXXX, OH XXXX My SS is XXXX my DOB is XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Company Response: Closed with non-monetary relief
2019-09-19
Raleigh, 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
2019-09-19
CO
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: Hello, I've had an issue with Capital One internet services. I found out through my Experian credit monitoring that I was behind on a payment. I never received noticed of this payment being due either by email, letter, or phone. I thought that the balance was at XXXX and I never use the card. I had cut the card up long ago. When trying to resolve the issue, it's been nearly impossible to deal with their online interface. The only way to log in to my account after forgetting my password was with the CCV code on the back. Obviously, not having the card, I didn't have this information. I've been dealing with over 5 different customer representatives to try to regain access to my account, and it's taken hours. A huge problem was that the company wanted to verify my account information using only text messaging. As someone who lives in a rural area, i don't receive text messages, and was forced to consent to use them as means of communications regarding my account, despite not being able to receive them. I find this an unfair disadvantage for just trying to maintain my account information as someone who doesn't live within cell range. I rely on satellite internet, but standard messages do not go through. As someone just wishing to receive timely information about my account, and someone who's had a spotless payment record up until this point, I find this mark against my credit as an unfair penalty for not living in more urban environments. The amount of my time spent trying to resolve this issue was absolutely ridiculous, and at no point was I ever offered the opportunity to resolve it via Email or other forms of internet communication.
Company Response: Closed with non-monetary relief
2019-09-19
San Diego, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: In XX/XX/XXXX my employer notified me that an earnings and wage order ( EWO ) had been received and that my pay was going to be garnished.
I was shocked, horrified, and dismayed because I was unaware of owing money.
Once I received the information form my company 's payroll department ; I began trying to go back to the beginning to reconstruct or make sense of how the EWO was issued.
It turns out that Capitol One sold my old debt from approximately XX/XX/XXXX to a third-party debt collector, which proceeded to retain legal counsel who a filed a claim, went to court, and won a judgement against me ; I had no knowledge of this court hearing because I was never notified or served in-person or via US mail.
I called the phone number listed on the documents I obtained from my employer 's payroll department to make inquiries but was not helped or given any useful information. Yet, I was persistent and finally was successful obtaining documentation of the original amount of the debt owed to Capitol One, all types of fees ( which the person who took my call could not understand in order to explain ), money that had previously been levied from my bank account, and the alleged proof of service, which was fraudulent. They proof of service was given to a white female ; I live alone, am an emptynester, who does not have a roommate!
Company Response: Closed with explanation
2019-09-19
Topeka, KS
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with non-monetary relief
2019-09-19
Canton, MA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Closed with explanation
2019-09-19
Manhattan, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-18
Bethany, OH
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