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 923
2016-06-22
PA
Other transaction issues
Money transfers: Domestic (US) money transfer
Complaint: I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member.
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp.
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp.
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations.
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.
Company Response: Closed with explanation
2016-06-22
Bellevue, TX
Other
Credit card:
Complaint: Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.
Company Response: Closed with non-monetary relief
2016-06-22
IL
Problems caused by my funds being low
Bank account or service: Savings account
Complaint: Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.
Company Response: Closed with explanation
2016-06-22
Scottsdale, AZ
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt was paid
Company Response: Closed with explanation
2016-06-22
Mill Valley, CA
Credit determination
Credit card:
Company Response: Closed with explanation
2016-06-22
Baton Rouge, LA
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-06-21
Washington, DC
Money was not available when promised
Money transfers: International money transfer
Company Response: Closed with explanation
2016-06-21
Boston, MA
Communication tactics
Debt collection: Credit card
Called after sent written cease of comm
Company Response: Closed with explanation
2016-06-21
San Diego, CA
Using a debit or ATM card
Bank account or service: Other bank product/service
Company Response: Closed with non-monetary relief
2016-06-21
Carmel, NY
Credit line increase/decrease
Credit card:
Company Response: Closed with explanation
2016-06-21
Hiawassee, FL
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-06-21
Chicago, IL
Late fee
Credit card:
Company Response: Closed with explanation
2016-06-21
Detroit, MI
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-06-21
Seligman, AZ
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-06-21
Kagel Canyon, CA
Other
Credit card:
Company Response: Closed with explanation
2016-06-21
Memorial Square, GA
Delinquent account
Credit card:
Company Response: Closed with explanation
2016-06-21
Grovespring, MO
Billing disputes
Credit card:
Company Response: Closed with explanation
2016-06-21
Tampa, FL
APR or interest rate
Credit card:
Company Response: Closed with explanation
2016-06-21
Columbus, OH
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with monetary relief
2016-06-21
Aurora, CO
Customer service / Customer relations
Credit card:
Company Response: Closed with non-monetary relief
2016-06-21
Newark, DE
Billing disputes
Credit card:
Company Response: Closed with monetary relief
2016-06-21
Wesley Chapel, FL
Problems when you are unable to pay
Consumer Loan: Vehicle loan
Complaint: I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).
Company Response: Closed with explanation
2016-06-21
Rochester, OH
Other
Credit card:
Company Response: Closed with explanation
2016-06-21
Chicago, IL
Billing statement
Credit card:
Company Response: Closed with monetary relief
2016-06-21
Roxbury, NY
Billing disputes
Credit card:
Complaint: On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.
Company Response: Closed with monetary relief