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 919
2016-07-01
Douglasville, GA
Other
Credit card:
Complaint: Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership.
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16.
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.
Company Response: Closed with explanation
2016-07-01
NJ
APR or interest rate
Credit card:
Complaint: On XX/XX/XXXX, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period.
XX/XX/XXXX the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter -- it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices.
I 'm at a loss as to how to proceed.
Company Response: Closed with non-monetary relief
2016-07-01
PA
Transaction issue
Credit card:
Complaint: I feel harassed by the Capital One credit card division. In the last 30 days I have received two emails form Capital One stating as below ( in quotes, italicized ) : " Our fraud defenses flagged one or more purchase ( s ) below as unusual for your VISA SIGNATURE card ending in XXXX. Do you or an authorized user recognize these purchases? If we 've already spoken about this, you can ignore this email.
Some things to consider when reviewing your purchases : If a dollar amount differs from your record, it could be a pre-authorization. For example, many gas stations pre-authorize an amount ( usually between $ XXXX- {$75.00} ) because they do n't know how much gas you 'll pump.
If a purchase is legitimate but you want to cancel it, you have to contact the merchant directly '' Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX, XXXX XXXX XXXX {$20.00} XXXX XXXX, XXXX XXXX XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$21.00} Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX {$26.00} XXXX XXXX, XXXX XXXX XXXX # XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$84.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$50.00} In my opinion, there is nothing unusual or suspicious about the listed transactions, as these are recurring payments ( such as XXXX or XXXX ) or purchases in the XXXX miles radius from the place where I live. My FICO credit score is above XXXX. I had paid in full the card balance listed in each statement since the commencement of the card, so I assume that is a reason that for Capital One may label me as a " bad customer '' who can not be charged late fees and interest. I have over XXXX reward points for my purchases on my Capital One credit card.
In my opinion, Capital One is making consolidated efforts to take away these reward points by discouraging me from normal use of my credit card. On XXXX XXXX, XXXX I had spoken twice with Capital One Customer Service supervisors asking why I am getting cited emails and which transactions are suspicious. Last conversation was with XXXX, ID # XXXX. Neither supervisor was able to explain why I am getting emails, and which transaction triggers it. However, they confirmed that my credit card might be suspended if I do not validate transactions listed in the email. In both conversations my request for a written explanation was denied. Agents of Capital One also denied fixing an issue and any written assurance that Capital One will make any necessary steps to avoid closing accounts and sending emails for non-specified reasons.
I am finding the actions of Capital One as a consistent and elevated effort to violate card agreement by the discouragement of customers like me to use their accounts and gain rewards that are part of the agreement, or to further to take away reward points.
In summary, I am asking The Bureau of Consumer Financial Protection to record my complaint and possibly check if Capital One 's practices fall into standards of the banking industry.
Company Response: Closed with explanation
2016-06-30
Saddle River, NJ
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-06-30
Irving, TX
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-06-30
Cambridge, WI
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-06-30
Houston, TX
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you
Company Response: Closed with explanation
2016-06-30
Newark, DE
Forbearance / Workout plans
Credit card:
Company Response: Closed with explanation
2016-06-30
Warren, RI
Billing disputes
Credit card:
Complaint: I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}
Company Response: Closed with explanation
2016-06-30
NY
Shopping for a loan or lease
Consumer Loan: Installment loan
Complaint: we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX
Company Response: Closed with explanation
2016-06-30
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Company Response: Closed with explanation
2016-06-30
N San Juan, CA
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: Unauthorized charges were charged on my credit card. I have been contacting them every month and told them I did not make these charges that they were fraudulent. They send me letters that they are investigating and keep charging me interest and late fees. Credit reporting agencies have lowered my credit score.
Company Response: Closed with monetary relief
2016-06-30
Dallas, TX
Billing disputes
Credit card:
Complaint: I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.
Company Response: Closed with explanation
2016-06-30
Coconut Creek, FL
Transaction issue
Credit card:
Company Response: Closed with explanation
2016-06-29
Antioch, CA
Other
Credit card:
Company Response: Closed with explanation
2016-06-29
Nicholasville, KY
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-06-29
Ridgeway, NC
Managing the loan or lease
Consumer Loan: Vehicle loan
Company Response: Closed with monetary relief
2016-06-29
Antioch, CA
Other
Credit card:
Company Response: Closed with explanation
2016-06-29
Chandler, AZ
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-06-29
Bryan, TX
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-06-29
Portland, OR
Late fee
Credit card:
Company Response: Closed with monetary relief
2016-06-29
Santa Susana, CA
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2016-06-29
Detroit, MI
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent.
Company Response: Closed with non-monetary relief
2016-06-29
Dolton, IL
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Frequent or repeated calls
Company Response: Closed with explanation
2016-06-29
Brandenburg, KY
Communication tactics
Debt collection: Credit card
Called outside of 8am-9pm
Company Response: Closed with explanation