Review and analysis of over 320 complaints against Capital One
Capital One consumers have reported over 320 official complaints related to Credit determination. Out of the 320 consumer complaints against Capital One, 18% 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. 2% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 10% resulted in non-monetary compensation.
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Capital One Credit card credit determination January 6, 2017 - I applied for a credit card ID - for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since -/-/-/-/-/-. Being that I am working on my credit, I was turned down from Capital One. I make $30000.00 for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into - account with -. I do not know if the person from Capital One can see the consolidation. My score is - from -, when I try to call back I am being offered to apply again... |
Capital One Credit card credit determination December 29, 2016 - I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in - but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day l... |
Capital One Credit card credit determination December 23, 2016 - I have - capital one hard hit inquiries on my - Credit Report. I do n't allecall recall applying for credit from Capital One.... |
Capital One Credit card credit determination July 25, 2016 - I applied for Kohls credit card and they denied stating that they were unable to verify my SSN. but I see a hard inquiry on my credit report.... |
Capital One Credit card credit determination July 22, 2016 - 30 days past.response not received. Please removed hard inquires my credit file. Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report... |
Capital One Credit card credit determination July 3, 2016 - I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.... |
Capital One Credit card credit determination June 28, 2016 - On - -, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On - -, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).... |
Capital One Credit card credit determination June 19, 2016 - I paid my Capital One credit card off and I have a new - but it still shows up on my credit report at least - times... |
Capital One Credit card credit determination May 31, 2016 - I applied for a business credit card with Capital One. Capital One ran my credit ( score of - ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated - - ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of -/-/-.... |
Capital One Credit card credit determination May 24, 2016 - In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my - report was frozen and not able to be accessed. However, my - and - reports were not, and now have a total of - hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only - inquiry when I applied initially, not -. As a result, while applying for another card I wa... |
Capital One Credit card credit determination May 6, 2016 - I signed up for a CapitalOne card in -, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in -, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account... |
Capital One Credit card credit determination April 10, 2016 - My claim # -. My issue with Capital One Bank was not resolved an I would like to take Legal action now. Can you help me again???? please email me when you get a chance. Note-I have all my paperwork and people I spoke with written down .... ... |
Capital One Credit card credit determination March 5, 2016 - I applied for a Capital One Venture Credit Card several weeks ago. On - -, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. They also stated in their report that my - - credit score was -, dated -/-/2016. Just below that they wrote, " Key factors that adversely affected your cr... |
Capital One Credit card credit determination February 29, 2016 - I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The - ( - ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from -, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full - generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from -, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened wa... |
Capital One Credit card credit determination February 6, 2016 - On -/-/- I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on -/-/- which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with -. I explained to the customer service rep ( - ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 d... |
Capital One Credit card credit determination January 23, 2016 - In -, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my - credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, - - -, after no response to my first letter. His office contacted me via phone but the... |
Capital One Credit card credit determination January 16, 2016 - Approximately on - -, 2015, my daughter and I signed up for a Talent Agency called " - '', which charged me $190.00 to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On - -, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the $190.00. I then contacted Capital One and explained the situation, and they Temporarily issued the... |
Capital One Credit card credit determination January 2, 2016 - i applied for a capital one credit card and was denied via email, there is no attachment, there is no letter there is no explanation of any kind form capital one. i have talked to - supervisors at c/one and of course they wo n't provide any information. i checked all - major credit reporting agencies and i have credit ratings over - on all three, i pay my small balance two or three days after i receive statements, i just want to know why i have been denied and they are unable/unwilling to give me this information, i believe this is a violation of the federal lending laws, Sincerely, -... |
Capital One Credit card credit determination December 31, 2015 - I apply for credit card " - - Credit Card Program '' from - - on -/-/2015 on the web -/Decision from my local union, - - send a letter - WE ARE UNABLE TO VERIFY PERSONAL DATA - I call them -, they told me I need to update my phone with -, and reapply, because the application is close. ... |
Capital One Credit card credit determination December 2, 2015 - Capitol One entered - hard credit checks against me today, and I have no business with Capitol One. Please remove it. ... |
Capital One Credit card credit determination November 27, 2015 - I once had a credit card from capital one which i had paid off and i was never late the account was established since -/-/- i was never given the opportunity for an unsecured credit card the account went in-active so in -/-/- of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested... |
Capital One Credit card credit determination October 22, 2015 - I currently have fico scores of - -, - -, and - -. My reports show perfect payment history and - old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves ... |
Capital One Credit card credit determination October 13, 2015 - Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call - after I explain that - has fixed everything but inquiry. ... |
Capital One Credit card credit determination September 28, 2015 - Pulled credit report without permission ... |
Capital One Credit card credit determination September 24, 2015 - This is my - time submitting this complaint:1st submission for dispute : Merchant : -Dispute : I requested for Capital One to investigate the merchant and their breach of service. - I supplied all supporting document that is clear and concise to the merchants scam - Documents included in the submission that supported that there was No Service '' provided. Furthermore, it is against the law for a merchant to hold onto a retainer fee for liquidated damages - ) Result:1. Capital One validates in their decision the illegal use of signature ( forgery ). By upholding this ruling Capital On... |
Capital One Credit card credit determination September 22, 2015 - Capital One Bank placed - inquiries on my credit report however they did not follow the FCRA regarding fraud alerts and did not contact me to verify identity or that I even requested the application. ... |
Capital One Credit card credit determination September 10, 2015 - Capital one Credit Cards not in my name? ... |
Capital One Credit card credit determination August 31, 2015 - On - - 2015, I applied for a Secure Capital One Credit card with a - dollar spending limit. For some reason, it acted as if I applied for a normal credit card and added a hard inquiry on my credit score which is negatively impacting my total overall credit score. I 'm assuming this is based off my of my current credit score, which is why I applied for a secured credit card in the first place. I would like for this to be removed as soon as possible, as I never applied or signed up for a normal Capital One Credit Card. Thank you. ... |
Capital One Credit card credit determination July 19, 2015 - I contact Capital One to Report my Credit Loss the representative - indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations. ... |
Capital One Credit card credit determination July 13, 2015 - Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.... |
Capital One Credit card credit determination July 13, 2015 - On -/-/-, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it -/-/-. The attached letter is dated - -, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? -/-/- I transferred about $400.00 over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full d... |
Capital One Credit card credit determination July 12, 2015 - On or around - -, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the Capital One Platinum card '', because it was being marketed as annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a $3000.00 credit limit. On or about - -, I used the card to pay my rent of $800.00. On - - I paid $150.00 toward the balance prior to the cycle... |
Capital One Credit card credit determination June 30, 2015 - Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long. ... |
Capital One Credit card credit determination June 15, 2015 - I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was - day late in making my payment, but feel the rate increase was excessive. My balance on my card is about $18000.00 so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise. ... |
Capital One Credit card credit determination June 10, 2015 - A card was taken out in my name I 've never applied for a credit card till recently and discovered this card on my credit report ... |
Capital One Credit card credit determination May 28, 2015 - I applied for a capital one journey credit card online on - - 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from - -. I informed manager I called - - and they show not only the inquiry on my report but they sent me the report they pulled and saw. I ask... |
Capital One Credit card credit determination May 27, 2015 - - M I - - - - # -, -, CA--Capital One- - -, - - -, UT - : Account # -Dear Capital One, I have been a good customer with your company since -/-/-.I am enjoy doing business with your company and have been pleased over the years. Currently I have - open Capital One accountsAnd maintain good standing. ( Accounts Last - numbers - - - - ) I am writing to request a goodwill '' adjustment be made to above mentioned accounts with the - major credit reporting agencies. Although I made a late payment on -/-/-, I have an excel... |
Capital One Credit card credit determination May 18, 2015 - In a 31 day or less Billing Cycle I make at least - payment to my accounts with Capital One. Each time I make these - payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights? ... |
Capital One Credit card credit determination May 18, 2015 - Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with - - - - - times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the - place. A fact that I have pointed out to Capital One and all - Credit Reporting Agencies. with no change from either... |
Capital One Credit card credit determination April 22, 2015 - I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in - -/-/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporti... |
Capital One Credit card credit determination April 7, 2015 - I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through -. I had a recent - credit score of -, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I - attempted to inquire with Capital... |
Capital One Credit card credit determination April 5, 2015 - I, - -, residing at - - # -, -, New York - hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a - balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent cr... |
Capital One Credit card credit determination March 21, 2015 - I would like to dispute the reporting on my credit report for account number - with Capital One in - - -, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following... |