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 947
2016-04-25
MI
Other
Credit card:
Complaint: Approximately twelve years ago my mother added me as an authorized user on her Kohl 's credit card account so I could start building a positive credit history. I remained on her account for approximately two years. During that time I actively and responsibly used my Kohl 's credit card ( I never missed a payment or accrued interest during that time due to paying the amounts owed in full each month ). XX/XX/XXXX my mother called the Kohl 's credit card department with the intention of simply verifying that I was no longer associated with her account, as I stopped being an authorized user approximately ten years ago. There was a miscommunication between my mother and the customer service staff person that resulted in the staff person thinking I was never an authorized user on the account and taking action to make sure a letter would be sent to clear any and all credit history I had through Kohl 's. That letter was sent to the XXXX credit reporting agencies and my complete credit history through Kohl 's was deleted. This action was not what my mother intended and the letter that was sent was done so based on inaccurate information, as I did indeed have a credit card through Kohl 's. Prior to the letter being sent, the information on my credit report was accurate. After the letter was sent, however, my credit report changed drastically in a negative way and it no longer reflects accurate information. Specifically as a result of the letter, the Kohl 's credit card is no longer listed as one of my closed accounts and does not appear anywhere on the report. Additionally, my first line of credit has decreased from beginning 12 years ago to 9 years ago ( the Kohl 's credit card was my first line of credit ). And finally, my credit score decreased XXXX points as a result. A supervisor in the Kohl 's credit card department agreed to work on providing me with all the information pertaining to my time as an authorized user on the account and contacting the XXXX credit reporting agencies to inform them that the letter was mistakenly mailed to them and my information needs to be returned to the previous ( correct ) status. I received a voicemail several days ago from the supervisor stating that a letter was mailed to my mother 's house with the dates I was an authorized user on the account and that he was still working on having that information provided to the XXXX credit reporting agencies. I was very pleased with this information because I assumed the correct account information was located and that my credit report information would be corrected. I then received the letter and immediately saw that the dates on the letter are inaccurate. The letter states that I was added as an authorized user on my mother 's account on XXXX XXXX, XXXX and then removed on XXXX XXXX, XXXX. Due to this information not being correct, I do not want it to be provided to the XXXX credit reporting agencies. I am looking for Kohl 's to contact the XXXX credit reporting agencies to explain that they mistakenly mailed the letter requesting my Kohl 's tradeline be removed and to explain that the information prior to the letter being sent was accurate so that my credit report can return to its previous ( correct ) status. At the very least, I do not want Kohl 's to once again mail an inaccurate letter to the XXXX credit reporting agencies, as by doing this they will harm my credit report even further. Since this situation is causing me such extreme distress, I would like to express my concern regarding Kohl 's practices, which go beyond negligence ; first, a staff person mailed an inaccurate, detrimental letter to the XXXX credit reporting agencies without my knowledge and without checking records to verify whether the information was correct and now they are providing false information about the time during which I was an authorized user.
Company Response: Closed with explanation
2016-04-25
Juniper Hills, CA
Billing disputes
Credit card:
Complaint: I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same
Company Response: Closed with explanation
2016-04-25
Dunnellon, FL
Other
Credit card:
Complaint: My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status, and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016, the fraud specialist wanted to verify some balance transfers that I requested. We were able to verify that no problem.
However, that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX, we were able to do that without a problem. Unfortunately, the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead, the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one, and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that, and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name, my address, and the checking account number and was signed by a bank officer ). That was also not sufficient to remove the restriction.
Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover, they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact, I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not, and there is now a large credit balance on the account. I have never had a payment returned, or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection, which is a complete lie. Mind you, the payment in question was made about 3 weeks ago. The payment has not been returned and Capital One refuses to release the account restriction or tell me what exactly they need to do so. This behavior should be illegal ; as it is unethical for the company to treat me like a criminal despite having no returned payments or late payments on my account.
Company Response: Closed with explanation
2016-04-25
Newnan, GA
Billing disputes
Credit card:
Complaint: Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.
Company Response: Closed with non-monetary relief
2016-04-24
Las Vegas, NV
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-04-24
Gastonia, NC
Other fee
Credit card:
Complaint: I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.
Company Response: Closed with explanation
2016-04-23
Everett, WA
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2016-04-23
Manassas, VA
Credit determination
Credit card:
Company Response: Closed with explanation
2016-04-23
Plymouth, FL
Making/receiving payments, sending money
Bank account or service: Checking account
Complaint: I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions.
I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?
Company Response: Closed with monetary relief
2016-04-23
Detroit, MI
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Company Response: Closed with explanation
2016-04-23
Arlington, VA
Customer service / Customer relations
Credit card:
Complaint: Have disputed the reporting of the status of account with Capital One, but they refuse to respond to the request and continually send me letters stating " they need more information ''.
Company Response: Closed with explanation
2016-04-23
San Diego, CA
Taking/threatening an illegal action
Debt collection: Credit card
Attempted to/Collected exempt funds
Complaint: I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
Company Response: Closed with explanation
2016-04-22
Miami, FL
Other
Credit card:
Company Response: Closed with explanation
2016-04-22
Ellicott, MD
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-04-22
Livingston, NJ
APR or interest rate
Credit card:
Company Response: Closed with explanation
2016-04-22
Pinellas Park, FL
Other fee
Credit card:
Company Response: Closed with explanation
2016-04-22
Charlotte, NC
Billing statement
Credit card:
Company Response: Closed with monetary relief
2016-04-22
Chicago, IL
Account opening, closing, or management
Bank account or service: Checking account
Company Response: Closed with explanation
2016-04-22
TX
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: i have a capitol one account that was open off fraud. I request account be deleted from credit report.
Company Response: Closed with explanation
2016-04-22
WA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-04-22
NJ
Customer service / Customer relations
Credit card:
Complaint: I have been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...
Company Response: Closed with explanation
2016-04-22
CT
Closing/Cancelling account
Credit card:
Company Response: Closed with explanation
2016-04-22
SC
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.
Company Response: Closed with explanation
2016-04-22
Sandwich, MA
Billing statement
Credit card:
Company Response: Closed with explanation
2016-04-22
NJ
Customer service / Customer relations
Credit card:
Complaint: My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.
Company Response: Closed with explanation