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 90
2019-08-29
MI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Capital One Closed my account without my permission on XX/XX/2019.
This dropped my credit score 60+ points. I had to reopen a new account in which im happy with however I want my old account that they closed removed from my credit report so my score can be correctly adjusted.
Company Response: Closed with explanation
2019-08-29
Safety Harbor, 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 explanation
2019-08-29
San Diego, CA
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: I was in XXXX XXXX XXXX, XXXX over the XX/XX/XXXX weekend. On XX/XX/XXXX my fiancee and I rented a car to drive about an hour XXXX to a town called XXXX XXXX.
On the way home we had to stop at a gas station in XXXX to fill up the rental car so we wouldn't get charged when we brought the car back. Most gas stations in XXXX are full serve so the attendant comes over and asks how much gas you need.
I told the gas attendant to fill the tank up and handed him my Capital One card ending in XXXX and then I asked where the bathroom was.
When I got back from the bathroom the gas attendant said this card wasn't working and I thought that's weird but whatever and handed him my other Capital One card ending in XXXX. He ran it and it worked fine and I signed it and it came out to {$29.00} in US dollars. That was what I thought was the end of a normal gas tank fill up transaction.
Low and behold a couple weeks later I checked my credit card online and I saw that the same gas station in XXXX charged my first credit card ending in XXXX ( now XXXX since I cancelled card because of this ) in the amount of {$180.00}. Obviously, right away I knew I was ripped off and fraud was committed and I called Capital One to report this and had to cancel the card, which I wasn't happy about because I have monthly bills attached to this card.
Capital One said they would take care of it and then all of a sudden I get a letter yesterday on XX/XX/19 from Capital One saying that they found no fraud and were charging this {$180.00} back on my card!!
I couldn't believe how they could possibly say this wasn't fraud, this is the most clear cut case of fraud I've ever heard of. A guy at a business pretends a card doesn't work and charges it for {$180.00} never telling me and then asks for another card to charge for the gas. I was completely lied to and deceived by this gas station.
Who pays {$180.00} for gas in a tiny rental car?!
When I called to complain to Capital One today on XX/XX/19 they said this wasn't fraud. They said because I handed the guy this card ending in XXXX ( now XXXX because I had to cancel this card because of this ) that it couldn't be fraud, which is the the most absurd thing I've ever heard. Capital One says since I handed them a card to purchase goods it wasn't fraud and I could only file a dispute. I asked how is this not fraud? It's not a dispute because the charge was made FRAUDULENTLY on my card without my permission. Capital One is continuing to say this isn't fraud and they are transferring it to the disputes department.
I told Capital One this is the most clear case of fraud I've ever seen and this is ridiculous how I'm being treated and the hoops I'm having to jump through for fraud being committed in XXXX. I told them this better just get taken off my account because I was ripped off and fraud committed against me. They said disputes will look into it but this whole thing is unacceptable that I'm having to go through all this work and stress for the most clear cut case ever.
I want my {$180.00} back that was stolen from me period. I don't care who or what department does it but I need my money back.
Capital One needs to read the definition of fraud in the dictionary which reads " wrongful or criminal deception intended to result in financial or personal gain ''. How is this not fraud?!?!?!? It couldn't be more clear cut.
Thank you for helping me with Capital One because they are trying to bully me into paying for a fraudulent charge.
Company Response: Closed with monetary relief
2019-08-29
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-08-28
Brooklyn, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Closed with explanation
2019-08-28
LA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: Capital one will not allow my to release my banking info to third party apps such as XXXX or XXXX. I should be able to release my data to anyone I so choose.
Company Response: Closed with explanation
2019-08-28
Tampa, FL
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Closed with explanation
2019-08-28
Tampa, 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: Dates of inquiries : XX/XX/2018,XX/XX/2018,XX/XX/2018 Theres an erroneous amount of inquiries on my credit reports from your company. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Company Response: Closed with explanation
2019-08-28
Betsytown, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-28
Marysville, WA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-08-28
Memphis, TN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: CapitalOne has assessed fees and fines on my credit card account that are in error. I have on a number of occasions spoken with numerous representatives in the Disputes Department regarding this issue, as well as providing evidence to the Bank that it is responsible for the error that has led to the present state of affairs, and requested that the Bank correct the situation, all to no avail. This situation began when I attempted to place into dispute a {$49.00} charge made by the merchant XXXX on XX/XX/XXXX. I subsequently paid the renainder of the statement balance in full. However, the Bank made an error when it placed another charge from another date in dispute ( please see attached document- {$100.00} charged on XX/XX/XXXX ). It thus appeared to the Bank that I did not pay my credit card statement in full, thus initiating subsequent late fees and interest charges. The Bank has refused to take any corrective action. I thus seek the assistance of the CFPB in getting CapitalOne to take responsibility for its ' error and to waive all outstanding fees on my account.
Company Response: Closed with explanation
2019-08-28
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I was a victim of Fraud, I expressed this to Capital One Bank. No investigation was conducted and my account was sent to XXXX XXXX for {$120.00}.
Company Response: Closed with explanation
2019-08-28
San Gabriel, CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: In 2016, I was a victim of identity theft were Capital One account was opened under my name. The only accounts I have that are accurate are two accounts showing under XXXX XXXX and XXXX XXXX. I called Capital One and they said they sold account to a collection agency. I contact the agency immediately and provided documentation showing the fraudulent account. After review, I was told that Capital One will be notified that the account is closed and there is XXXX balance due to the account being fraud. When trying to apply for my own account, I was denied due to the account. Im being calling for 3 month almost everyday trying to explain. They even called the agency on 3 way call and they explained that the account on there end was closed due to fraud. Capital one stated it didnt matter and that they investigated prior and the payments was coming from an account in my name. I advised them that is true because banks account were opened under my name with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) I told them that I have documentation like police report to reinvestigate. I was told it was nothing they could do even though this Capital One error. The previous investigation was done over the phone and the rep told me I didnt need to provide any documentation. If I did they would contact me. I need this account removed under my name so that I can proceed with applying for chase. All accounts that Im on is in good standing expect this fraud account.
Company Response: Closed with explanation
2019-08-28
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
2019-08-28
Avondale, AZ
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
2019-08-28
Aslo, MN
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Company Response: Closed with monetary relief
2019-08-28
CA
Communication tactics
Debt collection: I do not know
Used obscene, profane, or other abusive language
Complaint: They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!!
Constant harassment!!!
Im also filling a complaint with the District Attorneys Office!!!
Company Response: Closed with explanation
2019-08-28
MA
Unexpected or other fees
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I'm an fanancial hardship, and i am XXXX XXXX XXXX elderly XXXX i have no income from no any agency.i have my credit card i can't continue to make payment i can get help i need cfpb to step in to help me i need a grant money because i can't pay bills since 2 years and 7 month my ssi check is stop i put a claim for reconsideration six time i got denied from ssa.please i need help from anyone who concern in my case.
Company Response: Closed with explanation
2019-08-28
Santa Monica, CA
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
2019-08-28
Chandler, AZ
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Company Response: Closed with non-monetary relief
2019-08-28
Leming, 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: I have been working to get reimbursed for this problem for more than a year, so there are a lot of details. But let me preface the information by describing the problem as it currently stands : I went through a dispute process for a charge on my Visa card with Capital One. They informed me I lost the dispute. The bank that represents the other party ( the vendor ) also informed the vendor they lost the dispute. Somehow we both lost and the banks kept the money. I have attempted to resolve this on numerous occasions with Capital One, but they believe it is 100 % out of their hands once a determination has been made on a dispute. The other bank says the same.
Full details : In XXXX, 2018, I used my visa to pay approximately {$860.00} for a deposit for artificial grass for a play area for my kids. The change was made in XXXX. Later that day, I got a message from the vendor saying that he spoke with the manufacturer, and the type of grass I ordered wasnt appropriate for a play area. The correct grass would require additional padding and cost twice as much. Less than 24 hours after putting down the deposit, I canceled the order. The vendor agreed that I would get a full reimbursement. However, they said they needed more time to refund my money because they had already purchased the wrong grass ( even though the manufacturer told them it was the wrong one ). The vendor told me he would refund my money as soon as another customer came along and purchased the grass. That scared me, so I filed a dispute with the credit card company to put a hold on the money. Again, all within a day of putting down the deposit.
We continued through the dispute process, and I filed the appropriate papers. However, the vendors bank sent a one sentence form letter in response to the the dispute ( attached ). They did not consult with their clientthey sent it without any knowledge of the circumstances and claimed that I kept the merchandise. The vendor and I agree this letter was false. I never received any merchandise. If you look at the letter it is blatantly a form letter with no substantive response to the dispute. If you look at capital ones response, their decision hinged 100 % on this form letter. The bank is not a US bank, and I suspect they are not required to follow any of the same rules to involve their client in the dispute process, or at least they seem to ignore any such requirements.
Based on that one sentence, inaccurate form letter, Capital One determined I lost the dispute and encouraged me to work directly with the vendor. I have done that. The vendor and I are in 100 % agreement that I should get the money back. ( One of the attachments in XXXX is the vendor writing to her bank in the same way I wrote to capital one. ) You are welcome to contact the vendor who supports me completely in this process. The problem is their bank ( XXXX XXXX XXXX ) also told them they lost the dispute, and the money was debited from their account. That same bank is now saying too much time has passed for them to look into it any further, even though I have been calling and writing about this issue the entire time.
As an aside, the dispute process was ridiculous. I submitted messages from the vendor agreeing that I should get the money ( We had already worked it out ), but the form letter from the bank caused me to lose. That makes no sense. Clearly XXXX XXXX XXXX has a policy of denying every dispute without following the steps to find out more information.
Company Response: Closed with monetary relief
2019-08-28
Magnolia, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: Every month they add a very high interest I contacted the bank in XX/XX/XXXX & asked about the whole balance I owe & was told its {$20000.00} and since then every month I have a problem with them I stopped paying for couple of months so they fix this & then nothing had happened. Since XX/XX/XXXX I pay on time this month after I paid on the due date I found out they say I havent paid on time and they added another interest charge, when I called them they insist that I havent paid on the due date. I reached to nothing with them. When I checked my payment history I saw that interest fluctuates from month to month with big differences some times increases & some times decreases
Company Response: Closed with explanation
2019-08-28
Windermere, 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
Company Response: Closed with non-monetary relief
2019-08-28
Bloomington, MN
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: I was working with XXXX XXXX on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for capital one in their office.
I have a Current Capital one card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to.
This debt they were referring to is over 13 years old.
I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less.
Thanks XXXX XXXX
Company Response: Closed with explanation
2019-08-28
Tucson, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with explanation