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 92
2019-08-27
MO
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: On XX/XX/2019, I noticed charges on my card that wasnt mine. I immediately reported at that time that i dont have possession of that card. Capital one put the credit back on my account after a 30 day investigation. After 60 days, capital one put the charges back on my account without me knowing about it. I have been denied business credit, charge interest that made my account go over its limit. There is camera footage from XXXX XXXX that shows a person that is not me nor my wife.
Company Response: Closed with explanation
2019-08-27
Spring Hill, 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: Capital one bank USA ran a hard inquiry on my credit and I did not authorize this inquiry. I have not applied for any loans or credits with this institution or any other institution at this time.
Company Response: Closed with non-monetary relief
2019-08-27
Alden Manor, 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 non-monetary relief
2019-08-27
Billerica, MA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Capital one account ending in XXXX went into collections. In 2014 I got a decision by the debt collection XXXX XXXX and XXXX that my debt met financial hardship and no further collection attempts were going to be XXXX because I opened a dispute capital one is starting collection efforts. The agent at recovery accounts for capital one said that capital one did not agree with the decision, no collection effort were attempted for 5 years, now that I opened up a dispute there starting collection efforts.the amount on this account is XXXX.
Company Response: Closed with explanation
2019-08-26
Cheverly, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have several accounts that the balance is incorrect and on a couple the limit is also wrong. I am tried to dispute and I get the company has not reported the updated information to them. The following are my accounts that are not updated : XXXX 's {$130.00} should be {$13.00} dates XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX XXXX {$280.00} should be {$170.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Capital One Silver {$980.00} should be {$710.00} XXXX & XX/XX/XXXX Capital One {$120.00} should be {$0.00} XXXX & XX/XX/XXXX XXXX XXXX {$120.00} should be {$55.00} XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have called all the creditors and they keep saying the updated information is going to the credit bureaus monthly. Can you please help the matter? Thank you!
Company Response: Closed with explanation
2019-08-26
NV
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XX/XX/2019 XXXX Pension agency sent me a payment of EUR XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX agency was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX agency that they are unable to recover money from that account. My personal calls to Capital One Bank always ended up with advice to contact the sender.
On XX/XX/2019 I have filed a compliant with CFPB and attached a letter from XXXX pension agency describing the situation and their activity to get information from the issuing bank and Capital One. Despite this letter, on XX/XX/2019 Capital One has responded with a completely formal letter, saying that they do not have enough information to identify the problem and recommended to contact an issuing bank. The bank employee who signed the letter also provided his personal phone number and asked to call if I have questions. Needless to say that when I called that number and left the message, nobody called me back ...
It shows that this institution learned well how to diminish effect of such requests especially because CFPB closed the case without any follow-up. Now I pushed to file another complaint because I do not know what else I can do.
Company Response: Closed with explanation
2019-08-26
Jupiter, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Some time on or about XX/XX/XXXX. I request a copy of my report from XXXX XXXX XXXX XXXX And they issue a report from a bank capital one 360 this account was open in XX/XX/XXXX cause to there report. bank rounding # XXXX account # XXXX. they need to verified this information and validation this. if not they need to remove, this account has a XXXX balance for over 12 year,. in XXXX iWars in XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. al. and was release XXXX XXXX. capital one need to send me notice of the remove from my file. second met the XXXX XXXX XXXX account XXXX they got account overdrawn seven in year with a XXXX balance paid in full the fact incorrect bbt as of XX/XX/XXXX paid close as my request XXXX need to correct the incorrect. there is no miss used of this account. XXXX & XXXX XXXX XXXX. This information inaccuracy report on my report XXXX XXXX XXXX XXXX ( XXXX ) they need to validation this neg. information by submit proof. if not need to rquest that XXXX XXXX XXXX XXXX remove it ASP.
Company Response: Closed with explanation
2019-08-26
Addicks, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Company closed my credit card account without my permission and without good cause. Capital One also mishandled several of my billing disputes on the credit card account.
Company Response: Closed with explanation
2019-08-26
Church Point, LA
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: Re : Capitol One Auto Finance, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018
Company Response: Closed with explanation
2019-08-26
Murray, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Capital One Bank on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.
Company Response: Closed with explanation
2019-08-26
Brookside, NJ
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-08-26
Brentwood, TN
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 a dispute on a charge for {$73.00} on XX/XX/19 for XXXX I disputed this with Capital one as being a fraud case of shipping a XXXX cent item when I ordered XXXX XXXX XXXX of XXXX ad. It seems to be a bogus company that has defrauded many consumers. There is no contact number or website anymore. I reported this to capital one or help. Again Capital one has not help me on fraud case. I received a letter from Capital one today case number XXXX Account Ending in XXXX that they requested additional information, which I never received a letter or email from Capital One requesting more information since I made the complaint. I feel every time Capital One has an issue with a bogus company or trouble contacting the company in question, they just send a standard form letter saying case closed and we are reapplying the charges. I want this to stop and have Capital one make it easier for consumers to fight back. I want my charges removed at once since I did not receive my item.
Company Response: Closed with monetary relief
2019-08-26
Saint Petersburg, FL
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-26
Colonia, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-26
Boston, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-26
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-08-26
Fort Lee, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-08-26
San Jose, CA
Closing an account
Checking or savings account: Checking account
Can't close your account
Complaint: I've been trying to close my 360 checking for like a year I opened it over a year i half ago well something was put in my account by a friend I did tell them my friend had did it but it never was even accepted, a check that is. They rejected it cause he altered it by putting my name on it but it never deposited it even went thru. They had my account locked cause of a check if my friends was out into my account. Bottom line is they said I have to verify every other check I out in. I'm like XXXX well they won't close my account and I can't withdraw the money but phone automated says funds available are what the balance is XXXX well they refuse to talk to me I call they send me to voicemail or it jhangs up I just want my money n the account closed it's been sitting there for a year already or more cleared not return n they won't close it.
Company Response: Closed with explanation
2019-08-26
Hialeah, 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
2019-08-26
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Closed with explanation
2019-08-26
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
2019-08-26
Chicago, IL
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: Capital one allowed someone to open a credit card in my name and social and now capital one refuses to remove the account
Company Response: Closed with non-monetary relief
2019-08-26
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with explanation
2019-08-26
FL
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: -I responded to a letter I received in the mail In XX/XX/XXXX I from Capital One ( CAPONE ) offering me a Home Equity Line of Credit.
-On XX/XX/XXXX I received a letter from CAPONE Welcoming me to their Home, summarizing the terms of the approved Line of Credit.
-With the loan documents I provided CAPONE proof of Flood Insurance coverage though XXXX XXXX XXXX ( XXXX XXXX XXXX ), a policy valid through XX/XX/XXXX.
- A letter from CAPONE dated XX/XX/XXXX indicated that the flood insurance on my property had expired, that a new policy had to be presented within 45 days. Another attachment indicated the loan was going to be sold.
- On XX/XX/XXXX a phone call was placed to CAPONE disputing the validity of the notice of expiration of the Flood policy on my loan.
- On XX/XX/XXXX, the XXXX XXXX XXXX XXXX policy valid though XX/XX/XXXX sent to CAPONE with the loan documents was uploaded again to their loan portal.
-On XX/XX/XXXX CAPONE imposed a Flood Policy on my loan through XXXX XXXX XXXX XXXX ( XXXX ) for {$200000.00} with a {$6000.00} premium, valid from XX/XX/XXXX though XX/XX/XXXX. The total dollar amount I borrowed from the line of credit in XX/XX/XXXX was {$16000.00}.
-On XX/XX/XXXX I received a letter of cancellation from XXXX XXXX policy effective XX/XX/XXXX.
- As of XXXX/XXXX.CAPONE sold its Mortgages to XXXX XXXX XXXX XXXX ( XXXX ).
- As of XX/XX/XXXX XXXX started electronic withdrawal from my bank for interest owed, however the sum withdrawn was in excess of the interest. Numerous calls and letters were placed to XXXX to correct this situation ( XX/XX/XXXX though XX/XX/XXXX ).
-On XX/XX/XXXX to stop the unauthorized withdrawals I paid the outstanding $ XXXX loan.
-An additional {$870.00} was requested to cover the balance of the Flood Policy.
-In order to avoid foreclosure proceedings over {$870.00} I also paid this sum and requested immediate reimbursement upon verification of the XXXX XXXX XXXX XXXX policy with expiration on XX/XX/XXXX.
My complaint : - It turned that Capital One issued a Mortgage with Advanced Clauses instead of the line of credit advertised and authorized. I am in the advertising business. This is illegal practice called bait and switch. A line of credit is not the same as a mortgage.
That is why upon paying the balance on the loan XXXX closed it. I had opened the line of credit open to finance my business.
- FEMA confirmed to me that XXXX XXXX XXXX XXXX the company that issued the imposed flood policy is not registered with them. If the {$1200.00} taken from my account did not go to FEMA where did it go?
-I am still owed {$1200.00} plus interest for funds withdrawn from my bank account without my consent to pay for a flood policy that was in place.n -Capital One responded in writing that I have to deal with XXXX XXXX XXXX XXXX because they no longer own the loan.
XXXX XXXX XXXX to date has not reimbursed the {$1200.00} withdrawn from my account to cover the imposed flood policy.
Company Response: Closed with monetary relief
2019-08-26
Belle Isle, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation