Review and analysis of over 990 complaints against Capital One
Capital One consumers have reported over 990 official complaints related to Other. Out of the 990 consumer complaints against Capital One, 19% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 100% were processed in a timely manner. 14% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 12% resulted in non-monetary compensation.
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January 11, 2017 - Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( -/-/- ), account went to collections. In - -, got a temporary part-time job and made arrangements with the creditor - - to pay $ -/month. Started -/-/-. -/-/- ( I 'm told ), the account was charged-off. I have been making $ - monthly payments to creditor since then. - -, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. -/-/-, they replied they " received [ my ] your request to close the above referenced account. '' ... |
January 10, 2017 - Last Year I was - shopping for my family on -, I used - different credit cards. I belive I started -/-/2015, I purchased a lot of products, I used my - card, capital One and my - - card. When I got my first bill it said the date then - *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named - -, so I contacted - over it, and all of a sudden I began getting threats on my -. From this man Very Nasty ... .I did n't know - - being sent ... |
January 9, 2017 - I applied for a rental home from - - -. I was contacted by - and she said that she would not rent to me because of my non-employment status and she did not consider my lawful verifiable source income to be reliable. I disputed the credit check charge with Capital One and on - - sent my complete application with my personal and private information to Capital One to reapply this charge. I meet all the requirements in order to be approved and - - - discriminated against me as defined by fair housing act of -/-/-. Capital One will reapply the charge within - bill... |
January 6, 2017 - I have a credit card account with Capital One. The limit on this account is $500.00. I took a couple of cash advances when the account was first open. I have made purchases also. Never have I exceed the $500.00 dollar limit. However on each monthly statement, " Balance subject to interest rate '' on purchases amount changes after each payment. It either goes up on down depending on purchases and payment. The interest on " Balance subject to interest rate '' is the same as Cash Advances. The balance on CASH ADVANCES has only decrease less than $2.00 over the last two years, BUT the intere... |
January 4, 2017 - 1. Company was made aware that my name should read - as there are multiple - 2. Companies terms with no interest for - months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.... |
January 3, 2017 - A Capital One credit card is not reporting on my - and - credit report. The account starting with - was opened -/-/-2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the - credit bureaus with the accounts information and only update the section which displays when the account last reported.... |
January 3, 2017 - I was out of work for some time due to be ill and got behind on my bills. went went to - relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them - dollars and I agreed with them. set up monthly payments payed all but - dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.... |
January 2, 2017 - Capital One Credit Card Company bought another Credit Card Company. I have some - accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form - ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused... |
December 27, 2016 - My name is - - and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on - - - -. - capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on - 2016 it was supposed to be on the - of each month. the rep i have spoken with promise that it will request it to be on that... |
December 27, 2016 - The processing department at Capital One does not process the payments on day received, causing late fees and interest charges. Capital One states it takes 10 business days for payments to reach them. I have mailed payments well before the ten days and they still hold the payment for posting up to 4 days.... |
December 20, 2016 - Hi I have credit card with Capital One. It was opened in -/-/- at - time they were reporting to my credit bureaus. Now they are not. Need them to report my payment history to all - bureaus if possible. Thanks... |
December 13, 2016 - I have - cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. I had the opp... |
December 12, 2016 - On - - 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of $140.00 I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, - -, 2016, approximately -, entered my personal information, and the new rep... |
December 11, 2016 - I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed - dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?... |
December 2, 2016 - Today I received a prescreened offer from Capital One for a credit card. ( Reservation # - Access Code - ). This offer was very confusing to me as I am 1 ) - ) 2 ) low income 3 ) have a low credit score and am not eligible for credit cards. I contacted the opt out phone number given by Capital and could not complete the process because the automated system inappropriately asked for my social security number and date of birth. This complaint is to have you stop Capital or any other bank from making offers to people who are clearly not eligible and to stop the credit card opt out compan... |
December 1, 2016 - I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than $-, and that I am not employed. I had a credit card incr... |
November 30, 2016 - I have contacted capital one several times and have gotten absolutely nowhere. Someone applied for an account in my name - -, 2016. On this date, I was contacted by capital one asking did I apply for an account I let them know I did not. They verified the last - of my social as well as my name and date of birth. After I spoke with them I placed a fraud alert on my credit report. On - -, 2016 someone tried to applied for a capital one card in my name again ... this time I was never contacted even with the fraud alert on my account. I was told by - my dispute was declined and I... |
November 21, 2016 - I am an authorized account holder with - of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to - for some strange reason the account was removed from my credit file. So between Capital One and - that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.... |
November 18, 2016 - From : - - - - - - -, Texas - Date of Birth : -/-/- Social Security Number : - To Whom It May Concern, I have received my credit report from -, -, and -. I have contacted Capital One numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported t... |
November 15, 2016 - I have paid money every month $100.00 or $210.00 every month for 3+ years on time to be applied to the principal. I work - jobs, care for - children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of $3.00 each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card ... |
November 14, 2016 - The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. On card ending in - on -/-/2016 a rebill for $750.00 and on -/-/2016 for $120.00 On card ending in - on -/-/2016 a rebill for $2500.00, on -/-/2016 a rebill for $4000.00 and on -/-/2016 a rebill for $ -.for a TOTAL OF $8200.00. I want capital one to honor ... |
November 13, 2016 - I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.... |
November 8, 2016 - I 've sign up for Capital One 's Platinum card with a starting balance of $300.00. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... - address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees... |
November 8, 2016 - This credit card company Kohls/Capital One is reporting on my credit report $1200.00 of debt. I requested proof bearing my signature on - -, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail ... |
November 7, 2016 - I recently moved away from home with a friend to a new location to find out that I have n't been able to purchase my own vehicle, rent a car, buy a phone, or set up banking account due to my credit. When I was younger I had a lot of things in my name that back fell on me and not be trained growing up on what to do or how to handle those situations I am now learning how to reach out to someone to report things under my name that I neither authorized or used. Or could have authorized at a younger age but did n't know what it may have been for not knowing what credit was or what it meant to have ... |
September 15, 2016 - phone number - calling early morning around -. thought there was a law that collection calls can not be made before a certain time.... |
September 11, 2016 - Capital One took my payment made on - -, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of $430.00. I should have Zero Balance with a credit of $38.00 Dollars. Because Capital One stole my payment of $470.00 and did n't apply it to my account they messed up my Credit Score and brought it down to -. I use to have a Credit Score of - or higher. I went to purchase a car and because of Capital One my interest Rate was - per cent and I had pay $2000.00 Down Payment. I want Capital One to apply my payment of $470.00 and ... |
August 24, 2016 - For the month of -/-/-, my Capital One credit card was due on -/-/-. My statement balance was $280.00, however, I had a higher balance from recent transactions. I paid $500.00 from my - on -/-/- and it came out of my checking account on -/-/- ( see attachment ). Since I paid my entire statement balance, I now have no payment due until -/-/-. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At - on -/-/-, I received a text saying, " Capital One Alert : Your payment of $280.00 is scheduled for -/-/-. Contact us if your pay... |
August 23, 2016 - On - -, -, I obtained a copy of my - Credit Report which showed Capital One had ran - requests for credit history information. These inquiries started on - -, -. This was excessive so on - -, -, - - an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On - -, -, - an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On - -, ... |
August 23, 2016 - I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has - and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.... |
August 23, 2016 - I have - different Capital One Credit Cards, accounts ending in - and -. Capital One is reporting late payments on both of my accounts. I have disputed the late payments and asked for them to please provide me with the date the accounts became 30 days late, the date that I called them with my payment or hen th payment was withdrawn from my bank and the date the payment was credited to my account. I have sent 3 different letters to Capital One Bank in - - - and the response I get back from them is : " We have confirmed the late payments. '' They are refusing to provide proof t... |
August 20, 2016 - Capital One Card reports my - score as -, but the actual posted score reads -.... |
August 20, 2016 - Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired - -, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?... |
August 19, 2016 - I wrote a letter to Capital One on - -, -, explaining that they were reporting GOOD information for a Capital One/ Sony account circa -/-/- on my - and - credit files. This information is not showing up on my - credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY - CREDIT FILE. NOT REMOVE! What happened next : I received a letter from Capital One dated - -, -. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit repor... |
August 19, 2016 - Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of $200.00, the amount of interest charged is $100.00. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detaile... |
August 19, 2016 - I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.... |
August 13, 2016 - In - 2015 I applied for a Capital One card online and a hard inquiry was done on - -. I was told that I would receive a letter in the mail in a few days with their decision. From the end of - through the end of - I never heard back from Capital One in regards to my application. I called them on - - 2015 and explained to the specialist over the phone that I had never received any letters from them. It turns out that they were sending the letters to my residential address ( where I currently can not receive mail, instead of my mailing address, a - - that was provided, ... |
August 12, 2016 - CAPITAL ONE BANK USA -, reported to the - major credit bureaus that I was 30 days late from - - through - - and also - of -. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.... |
August 4, 2016 - I have - late payment with this account. My brother passed away and I was emotionally not stable. I called the credit card company to ask them to remove the late payment, but they would n't. I have never been late except for this one time.... |
July 26, 2016 - I made a $500.00 payment to my daughter 's capital one credit card on - -, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on - -, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on - -, 2016 because she did n't know where it came from. Anyway, I called capital one on - -, 2016 and spoke with a rep named -. He said it takes - calendar days for the " wait period '' and another 3 workin... |
July 25, 2016 - On - 2016, I spoke with Capital One in regards to my issue. I explained to them that I had issues submitting my payment online, which I thought that the payment went through. I went through my bank statement and notice that it did n't go through. I went on and explained to them that I did n't want it to harm my credit because I am submitting my payment at a later date. I also went into conversing with them, letting them know that I been requested to change my due date on this credit card. I have - credit cards with Capital One. They assured me that this would happen, they would change th... |
July 25, 2016 - Capitol One Bank - The creditor did obtain a fraudulent judgment by filing an illegal lawsuit against me. Further, the judgment is now expired yet the creditors collection agency is still trying to collect on the illegal judgment. The creditor filed a lawsuit supported by a fraudulent " affidavit of Debt '' which was " robo-signed '' by the creditor 's employee. No actual verification of the actual amount owed was undertaken by creditor. Further the judgment has now expired yet the creditor and their agent are still trying to fraudulently collect upon this debt.... |
July 21, 2016 - I have contacted -, -, and - many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.... |
July 19, 2016 - I was in a non-profit credit management program. Each month I paid a consolidator $700.00 and they distributed it to my creditors each month. The program has been ongoing since - 2013 until present. One of the creditors was Capital One ( account number ending in - ). During that time period My credit reports show - payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the - of each month. I obtained electronic records from my credit management company showing that each month funds w... |
July 14, 2016 - I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.... |
July 11, 2016 - Charges to my credit card in excess of the available balance are being approved rather than declined. I contacted the bank to see about changing this and seems I can not. There is no charge for going over the limit, but I do not want my account to be able to go over its limit. If the account is over limit during a statement it will get reported and effect my credit score. The account was not always this way and it seems some recent change I dislike but seem to have no control over.... |
July 8, 2016 - I called capital one and informed them of a fraud that occurred while I was I. The - - at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now... |
July 7, 2016 - Capital One is FRAUD! I have contacted them in the -, MD Branch & Written letters! I had theft on all my capital one credit cards- Business & Personal were taken and used - - - - exp - - - - - exp - now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account... |
July 6, 2016 - I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about - % of the gross. I thought the limit was - % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in - County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you c... |
July 1, 2016 - 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 - - 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... |
June 25, 2016 - I have sent Capital One several requests for validation and investigation regarding - accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last - numbers in an account showing- the accounts listed on my credit report do n't show the last - numbers. There is no way to match them. I sent 3 request... |
June 24, 2016 - I believe I 've been the victim of a timeshare fraud in -, - - -, On - -, - I entered into an agreement with - - and - - -. They agreed to pay me $15000.00 for my residence at - -, which I purchased in -, if I paid them $110000.00. The transaction was headed by a gal name - - and - -. I have included all the pertinent contact information for both - - and - -, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from - -... |
June 22, 2016 - A Capital One credit card was opened in my name in -/-/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. I am asking that this account be removed as it is not my account. I never applied for it.... |
June 22, 2016 - Contacted by - - 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 co... |
June 16, 2016 - I applied for a secured credit card through capital one -/-/2016 on -/-/--/-/-. As of -/-/- I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on -/-/-. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through - rep which he then transferred me but then I was told they do n't do that. Supposedly they send a... |
June 15, 2016 - Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In - of last year they convinced me to go into a payment arrangement for - months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain... |
June 14, 2016 - I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the - - on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I ... |
June 9, 2016 - i am writing to you about a dispute i filed with my capital one card.i paid a company - on - - the company name is -.i was issued a credit on - - iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what - sent in.i tried on s... |
June 6, 2016 - A few months ago, I file a complaint against Capital One Credit Card regarding - fraud alert letters I received from its Fraud Department. I had been instructed to send a copy of a state identification card, social security card and proof of street address. Before sending the same, I verified the validity of the three letters. On - -, 2016, I faxed the requested document to the number provided by Capital One. To date, the company still claims that it has not received the same. I, in turn, notified all - major credit bureaus regarding the fraud alert. I received a reply for - wh... |
June 5, 2016 - Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. Sincerely, - - -/-/2016... |