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 82
2019-09-08
MA
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - for 30/60 days late???
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 non-monetary relief
2019-09-08
Bedford, TX
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: XX/XX/2019 To Whom It May Concern : I would like to file a complaint against Capital One credit card company.
On XX/XX/2019 I made a telephone order purchase for a circulation product from a company called XXXX XXXX.
At the time that I made the purchase I was only supposed to be charged for the shipping and handling to receive the product, and that was supposed to be {$24.00}.
As well as, at the time of purchase I was told that I could return the product for a full refund if I was not satisfied with my purchase.
I later learned after reviewing my statement that I was not initially charged the {$24.00} that I was supposed to be charged for the initial purchase ; instead XXXX XXXX company charged my credit card for the amount of {$89.00}, which I did not authorize, nor did I know about.
I received the product, and I was not happy with it, it did not provide the service that I was told that it would do, I contacted XXXX XXXX company on XX/XX/2019 letting them know that I was not happy with the product, and I wanted to return it to them for my full refund.
They provided me with a return authorization number of # XXXX, and I returned their product back to them, and by the tracking they received their merchandise back on XX/XX/2019.
XXXX XXXX company was not supposed to make any further charges onto my credit card, but although they knew that the merchandise was being returned back to them, they charged my credit card an additional {$49.00}, that I knew nothing about, and did not authorize.
I contacted Capital One on XX/XX/2019 to complain about all of the unauthorized charges that were placed onto my credit card account by XXXX XXXX company ; they assigned my complaint case number # XXXX.
Capital One instead of correcting my account, and crediting my account for ( ALL ) of the unauthorized money that I should not have been charged by XXXX XXXX company, Capital One is now claiming that XXXX XXXX credited me back the unauthorized charge of {$49.00} on XX/XX/2019, and what Capital one is also doing on both of my statements for ( XX/XX/2019 to XX/XX/2019 XXXX and my statement for ( XX/XX/2019 to XX/XX/2019 ) they have placed the same {$49.00} transaction with the same the same transaction date, and they are now trying to claim that XXXX XXXX credited my account twice on XX/XX/2019 with a credit for {$49.00}, and this is not true.
Capital One has not credited my credit card account with the right amount of refund that I should have been credited back ; and they are allowing XXXX XXXX company to cheat me.
As stated previously, I should not have been charged any part of that {$49.00} that, that cheating thieving merchant charged to my credit card account, because they knew that their merchandise was on its way back to them.
And the initial {$89.00} that XXXX XXXX company charged to my credit card account, that was an unauthorized charge as well ; I did not know that this is what they were charging me when I placed the order.
The invoice from XXXX XXXX, that I am providing with my complaint, this is the slip that came to me when I received the merchandise.
Capital One has claimed that they gave my account a {$89.00} credit, and they are now taking it back, according to the letter they sent to me dated XX/XX/2019.
And the way I see it, XXXX XXXX did not refund the {$49.00} that they charged to my account twice.
XXXX XXXX company was supposed to refund {$49.00} that they took on XX/XX/2019, as well as the {$89.00} that I did not authorize on XX/XX/2019, I dont remember them telling me that, that is what I was to pay for that order up front.
So now my credit card account is still fraudulently not being credit back the {$89.00} that I should have been refunded by the merchant. And Capital One is refusing to credit my account back the money that I am wrongfully being cheated out of.
Company Response: Closed with monetary relief
2019-09-08
Boston, MA
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 laptop on my Capital One credit card but the item received from the merchant is different from what was ordered and does not have active version of XXXX installed to it. I have tried to dispute this item with the credit card company but it is simply impossible to get hold of them. Also, their online self-service dispute tool does not work, instead providing a phone number where nobody is picking up or helping you.
Transaction is : XX/XX/2019 XXXX* XXXX XXXX XXXX XXXX {$1800.00} Please initiate a dispute for this transaction as soon as possible. Thank you!
Company Response: Closed with explanation
2019-09-08
Rochdale, NY
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: someone opened this account with my information and I tried to get this removed already
Company Response: Closed with explanation
2019-09-08
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
Company Response: Closed with monetary relief
2019-09-08
Wickes, AR
Communication tactics
Debt collection: Credit card debt
Called before 8am or after 9pm
Complaint: I'm behind on my Capital One credit card payments and they keep calling me even though I told them I'm trying. I just made a {$200.00} payment to them last week. Today, XX/XX/XXXX, they called me at XXXX XXXX on a Sunday morning while I was at church
Company Response: Closed with explanation
2019-09-08
Medford, MA
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 monetary relief
2019-09-07
Fort Worth, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX, XXXX has sent numerous collectors to my residence ( one banging on my front door viewed via my Ring doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019.
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.
Company Response: Closed with explanation
2019-09-07
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
2019-09-07
Paterson, NJ
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
2019-09-07
Gloucester City, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-09-07
Cowan Heights, CA
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-09-07
AZ
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: XXXX XXXX is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked Capital One why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor Capital One last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.
Company Response: Closed with explanation
2019-09-07
NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: The company stated in their response to my CFPB complaint # XXXX on XX/XX/19 that they were permanently crediting my account with the {$51.00}. However, what they did was put the charge back onto my account -- Again ... The amount is listed in black, rather than in green with a negative sign in front of it like how a purchase adjustment is supposed to be. I called them several times about this but I ended up getting nowhere because I just kept getting the runaround and being put on hold which took 45 minutes to an hour each time. Eventually I had to hang up because it was taking way too much time -- Over something that was their fault, not mine. They're getting paid for their time and aggravation over the phone, not me. I feel as though they treat customers this way on purpose so that they don't get their issues resolved. I will be closing my account with Capital One after this experience. In the meantime, they need to credit my account like they told both you and me they were going to do. And they need to do it twice, because they've rebilled me for the {$51.00} twice. I am also getting socked with interest charges over this because i refuse to pay an amount that they told both me and you was going to be credited. And I sure as XXXX am not paying the amount twice either. These people are corrupt. Please do something about this ...
Company Response: Closed with monetary relief
2019-09-07
VT
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: On XX/XX/XXXX, I was notified by XXXX XXXX that Capital One had reported a delinquent payment on my account. I had never made a late payment and have had a 100 % on time payment history for all of my accounts. When I looked into the situation, the only information the Capital One customer service representative was able to provide was that I had made a payment that was {$1.00} short of the minimum, and that it was the {$1.00} that had been reported to the Credit Bureau. This, if true, was an inadvertent mistake. I had supposedly made a payment of {$520.00} instead of {$520.00}. No one informed me prior to the delinquent notice that I had made this mistake, despite Capital One 's claims that they put customer service first and notify you if anything is wrong with your account. I was told by Capital One that I could dispute the report by paying to get my credit report, hand-writing a letter, and providing multiple forms to show why I believed it should be corrected. This report about a {$1.00} late payment dropped my credit score by almost 100 points. Because this seemed like such poor customer service, I filed a complaint with the XXXX XXXX XXXX. I had another representative from Capital One contact me after this, but I was never able to speak with her directly, and she never returned my calls. Then she filed a response that she was unwilling to remove the delinquent report. I did not accept the response via the XXXX XXXX XXXX, and then called CFPB for support. This was approximately three weeks later. At this point, I logged into my XXXX XXXX account to provide information and noticed that by this point, the delinquent payment notice had indeed been removed from my credit report. I am very grateful for this. However, one week later, my credit score has not improved. I would like it returned to what it was before the unfair delinquent report. I am still very disappointed in the way Capital One handled this and in their poor customer service and lack of communication.
Company Response: Closed with explanation
2019-09-07
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: CAPITAL ONE BANK USA N is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response: Closed with explanation
2019-09-07
Brentwood, TN
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Today I tried to book a reservation on XXXX with my Capitol One credit card. Even though I have the available credit on my Capitol One card to make the purchase of XXXX dollars capital one will not process the transaction without a copy of my drivers license or passport. Given Capital One 's massive data breach I do NOT trust them to act in any consumers best interest especially considering their desire to obtain even more person information about clients life photo 's of federal id 's
Company Response: Closed with explanation
2019-09-07
Brooklyn, NY
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
2019-09-07
FL
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: On XX/XX/XXXX there was a hard inquiry from Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX There was a hard inquiry on XX/XX/XXXX from Capital One XXXX, VA XXXX ( XXXX ) XXXX Also on XX/XX/XXXX one from XXXX XXXX, PA XXXX ( XXXX ) XXXX None of these did I apply for. I have not applied for any credit card in over 20 yrs there's are now affecting my credit score!
Company Response: Closed with non-monetary relief
2019-09-07
Queens, NY
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
2019-09-07
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: The amount of dispute is $ XXXX.I got some airline tickets and I wanted to cancel them the same day but the company kept me on hold and my call got disconnected few times and then they charged me a cancellation fees of $ XXXX.It was no fault of mine as I tried calling the company and they did not answer.
I am being penalized for a service which I did not receive.
Capital one bank representative asked me to email them the receipt of the transactions and told me they will reverse the claim after they receive the receipt but they did not take care of it.
Company Response: Closed with monetary relief
2019-09-07
Chicago, IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation
2019-09-07
Ft Lauderdale, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: There a capital one credit card on my account I never apply for it I need it to be remove from my account I talk to them and that act like they dont see it and it showing up on my credit
Company Response: Closed with explanation
2019-09-07
Houston, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-09-07
Washington, DC
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 a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation