Review and analysis of over 420 complaints against Capital One
Capital One consumers have reported over 420 official complaints related to Managing the loan or lease. Out of the 420 consumer complaints against Capital One, 23% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 99% were processed in a timely manner. 9% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 8% resulted in non-monetary compensation.
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Capital One Consumer Loan managing the loan or lease May 29, 2016 - I am behind in my car payment. I received a call from the company today. The date is -/-/16 and it 's a Sunday. I was told in the voice mail I received at - to call them today until - to discuss the issue. I called the number they provided but no one is there to take my call. They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on -/-/16 at approximately - but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?... |
Capital One Consumer Loan managing the loan or lease May 19, 2016 - I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. ... |
Capital One Consumer Loan managing the loan or lease May 16, 2016 - I complaint to Capital one about their practices in -2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in -2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or e... |
Capital One Consumer Loan managing the loan or lease April 26, 2016 - On -/-/2015 Capital One Auto Finance made an inquiry of my credit file with - without my concent ... |
Capital One Consumer Loan managing the loan or lease April 20, 2016 - I was issued a - credit card that was serviced by CapitalOne. On - -, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the - payment. Also, I never received a demand letter for th... |
Capital One Consumer Loan managing the loan or lease April 15, 2016 - To my surprise I received a collections letter in the mail dated - -, - indicating that my account was past due. My records indicate my last auto loan payment with Capital One was on - -. Account due date is the - of every month. I did not understand why I did not make the - payment. I thought it was my oversight. I called Capital One on - - to become current and made the - and - payments $310.00 for each month for a total of $630.00. I asked the customer service agent to check if I was getting paperless statements and she said yes. I was shocked because I ... |
Capital One Consumer Loan managing the loan or lease April 10, 2016 - On - - I paid off my wife car over the telephone with Capital one auto finance and they ACH the payment from my bank account. 4 months later I was checking my credit history on my capital one phone app and it showed me owing a balance $270.00 I immediately contacted capital one cutover service and after 3 hours of them hanging up the phone on me I finally was able to reach - ID # - and he was the only one who showed me respect and was sincere in trying to help me. He gave me his extension number of - he also connected to the president hotline and I talked with - ID # - a... |
Capital One Consumer Loan managing the loan or lease April 1, 2016 - I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them $1100.00 and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to - he is saying that... |
Capital One Consumer Loan managing the loan or lease March 18, 2016 - On - -, 2016 the - auto payment in the amount of $540.00 due Capital One Auto Finance was deducted from my checking account. The following day- - -, 2016 Capital One again deducted $540.00 from my checking account. For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that - - - requires customers to contact the merchant before filing a claim. Capital One is refusing to reverse the 2nd payment. They are insisting that if the... |
Capital One Consumer Loan managing the loan or lease March 16, 2016 - Since - of 2014, I wanted to have my payments due on the - or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee. ... |
Capital One Consumer Loan managing the loan or lease March 12, 2016 - - -, - The information below is the same information that I have furnished to a - law Firm for possible litigation against Capital One NA and Transunion. I feel that the CFPB should be aware of these illegal practices of Capital One N.A., and take action to see that they are not allowed to do this to other consumers. Please do your job! I had an unsecured installment account with Capital One, while living in -, opened on -/-/-. I moved to - on -. I filed Chap - BK in -, on -/-/-. This debt was listed in the BK. Cap One charged off the debt on -/-... |
Capital One Consumer Loan managing the loan or lease March 9, 2016 - I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-- ). When I called I was subjected to ads and offers from - companies ( -, -, etc ) then was told that the number had been changed to - -. This was another ad for - with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a repre... |
Capital One Consumer Loan managing the loan or lease February 16, 2016 - Please see the attachment : on or about -/-/-.capital one entered into an agreement with me as shown on the attachment. On -/-/- I received a phone call @ - - from - a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect $9000.00 due immediately. I told them about the agreement they ask me if I could forward any documents to them to pr... |
Capital One Consumer Loan managing the loan or lease February 15, 2016 - In - 2013, I co-signed for a car with my husband through Capital One Auto Finance. In - 2013, I was - - from - to -. My husband remained - in -. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to - 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged ... |
Capital One Consumer Loan managing the loan or lease February 11, 2016 - Capitol One -. - - - - - -. - Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! However, it is my responsibility as a consumer to make you aware of the illegal practices of - of your companies who use your services, namely Menards, of - - -. To begin in -/-/- I was having my home remodeled and needed supplies. I went to Menards to purchase supplies but they did not have th... |
Capital One Consumer Loan managing the loan or lease February 8, 2016 - I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The - bureaus have different dates, balances, and dates of first delinquiences. - reports that ive made payments I never made. - has - different charge off dates. -... |
Capital One Consumer Loan managing the loan or lease January 29, 2016 - Dear Sir or Madam : We are writing to dispute the following information in my file. I have highlighted the item I dispute on the attached copy of the report I received. This item Capital One Auto payment for - - is inaccurate on all the credit reporting agencies for - and - - and specifically on - it displays 60 days late or - or more payments. The information is inaccurate because - attempted to pay this amount utilizing the creditors web pay system, but it was unavailable. - contacted the creditor via telephone on - -, - and explained she was trying to ac... |
Capital One Consumer Loan managing the loan or lease January 28, 2016 - Capital One will not remove late payments the reported on my credit reports in violation of FCRA - - a ) ( - ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the - CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA - ( a ) ( - ) ( G ) ( i ). ... |
Capital One Consumer Loan managing the loan or lease January 22, 2016 - I 'm being charged a balance of $190.00 by Capitol One who says this event occurred in - of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it. ... |
Capital One Consumer Loan managing the loan or lease January 20, 2016 - I have sent CAPITAL ONE BANK legal documents like, - Affidavit, Promissory Notes. They have told me that they shedded all the paper work that i have sent to them. That told me they do n't deal with that, they the documents had to go to some place else. Those were legal Notarize Documents. they Should had forward them to the correct place, or sent them back to me, They never rebutted my - Affidavit. They have violated some security Laws. That - stand truth in - if not rebutted. You do n't destroy legal documents, it is against the law. ... |
Capital One Consumer Loan managing the loan or lease January 12, 2016 - My auto loan company took out a double payment from my checking account, and was authorized for - payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded. ... |
Capital One Consumer Loan managing the loan or lease December 17, 2015 - I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. But a few months later, they did mark my credit report with a late payment. I called - customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. How is it that if a consumer just makes a phone... |
Capital One Consumer Loan managing the loan or lease December 17, 2015 - There is a large discrepancy between what I am paying and the amount that is actually being applied to my principal amount. Due to Capital One 's online payment options, you can only pay from one bank account a day, because of this I scheduled two payments from separate bank accounts that sum up my total monthly payment. From that amount less than $80.00 went to principal! That is unacceptable! ... |
Capital One Consumer Loan managing the loan or lease December 8, 2015 - I received a call, yesterday, from a representative, -, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since - -, 2015, I asked if my ex has been trying to get information. At that time, - informed me that my ex, - -, was on the line with us. I was furious that this representative had allowed my personal information and block information to be availabl... |
Capital One Consumer Loan managing the loan or lease managing the loan or lease December 4, 2015 - I am being charged a late fee for my - - 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the - of each month for the past year and was not charged a late fee. I paid my - - 15 car payment on the - along with the late fee that I was charged. I understand why I was charged a late fee on the - - 15 payment because I paid my auto loan on the - instead of the - like I normally do. ... |
Capital One Consumer loan managing the loan or lease October 13, 2015 - Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful. ... |
Capital One Consumer loan managing the loan or lease September 30, 2015 - Capital One has report 30 days late payments on my credit report for the months of -, -, -, -, -, -, -, and - when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assi... |
Capital One Consumer loan managing the loan or lease September 26, 2015 - I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected. ... |
Capital One Consumer loan managing the loan or lease September 9, 2015 - I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in -, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from - County Florida, and my Drive 's License as requested by COAF 's instructions on the F... |
Capital One Consumer loan managing the loan or lease August 28, 2015 - I had a car loan through Capital One that I got in -/-/-. In -/-/-, I was in an accident and the car was totaled out. Since I had just recently purchased the car the year before, I was under on the difference. Capital one called me directly and offered a settlement, to which I accepted and paid what they requested in full by the deadline that they gave me. They assured me that it would not negatively impact my credit report/score. However, it has and continues to impact my score/report. The first time capital one reported this account to my credit report after I paid the settlement, ... |
Capital One Consumer loan managing the loan or lease July 17, 2015 - I applied my car own through - - dealer in - - -, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is -. There are - problems. First of all, my dealer - - who charged me more without my awareness. My loan amount should be -, but it became $15000.00. ( The finance guy who worked for - - put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM fr... |
Capital One Consumer loan managing the loan or lease July 7, 2015 - Capital One Auto Finance holds the title to our - Subaru Forrester which has - miles and needs $ - costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to $5000.00. We do not agree and have an on-line statement showing a - - balance. About 15-18 months ago we contacted - - at CapOne who became our customer advocate to stop credit and collection calls that we were getting - times a day- days a week. His number -, ext - ... he has stopped returning our calls since he placed a cease and desist '' order on our account. A CapOne ... |
Capital One Consumer loan managing the loan or lease July 6, 2015 - Paid off loan -/-/- or -/-/-. Have been trying to contact - to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's invalid ''. I do this repeatedly until their automated system tells me please call back when you have correct information. Goodbye '' - then I 'm hung up on. ... |
Capital One Consumer loan managing the loan or lease July 4, 2015 - My wife and I purchased a 2006 Jeep Grand Cherokee - in -, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for $33000.00 with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ $920.... |
Capital One Consumer loan managing the loan or lease June 24, 2015 - I 'm in dispute with Capital One Auto Finance with my - 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the - of every month. However, my - payment is being reported as being received by Captal One on the - of - and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due? ... |
Capital One Consumer loan managing the loan or lease June 16, 2015 - RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around - - 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On - - I did so and the representative stated to me that I could pay the minimum balance of $15.00 to keep my account from closing and out of collections. On - - 2015 I made a payment of $15.00 and subsequently made payments of $8.00 on -/-/15, $18.00 on -/-/15, and $5.00 on -/-/15 exceeding my minimum balance requirement of - for -. After mak... |
Capital One Consumer loan managing the loan or lease May 20, 2015 - Purchased a vehicle on -/-/- from - - - , - ( -/-/- - - ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over $11000.00, air conditioner does not work. I contacted Dealer on - - and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one... |
Capital One Consumer loan managing the loan or lease May 19, 2015 - Capital One Auto Finance provided a statement regarding erroneous 30 day lates on my credit report and attached a transaction history of my payments covering the time period in question. In their response Capital One states that the purpose of an extension is to keep the account current, catch up on payments and avoid negative impacts on credit. However, on that log, in regards to the - 2012 payment extension ( the payment I needed extended ), Capital One mistakenly entered in that I could get an extension if I paid $790.00! This is a gross error because $790.00 would have made the acco... |
Capital One Consumer loan managing the loan or lease May 13, 2015 - Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all - Bureaus. For example my on time Patment for - - 2015 was reported on - - TH 2015 this is wrong and hurts my - scores. - 's and - still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately. ... |
Capital One Consumer loan managing the loan or lease April 21, 2015 - In - I had to file bankruptcy due to my - to protect myself. I had to include my car loan eventhough I intended to pay it off, which I did in - of -. I have the lien free title and a letter from Capitol One Auto Finance releasing the lien. I have asked Capitol One to remove this bankruptcy report from my credit reports but they refuse even though they acknowledge that I paid it off and they say it will stay on my reports until -. I contacted the - credit reporting agencies as well however they are telling me that it is up to Capitol One Auto Finance to remove the negative rep... |
Capital One Consumer loan managing the loan or lease April 20, 2015 - I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a $100.00 balance that was 2 weeks late. NOW I have this on my credit report and they REFUSE to help in any way. ... |
Capital One Consumer loan managing the loan or lease April 14, 2015 - In - of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular - payment was actually applied to -. Then - to - and so on. We went along like this until - when we were denied a mortgage refinance. We rectified the mistake, but still have -, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. Th... |
Capital One Consumer loan managing the loan or lease April 4, 2015 - Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over - hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try... |
Capital One Consumer loan managing the loan or lease April 1, 2015 - I had a loan through Capital One Auto Finance and was having them withdraw payments through my bank account and than went onto a -. When I got back from - I had contacted the company and to set up my payments through an allotment and had it set for the amount taken out for the allotments to be able to pay off my car by the time I was getting out of the -. When I had gotten out of the military I had called them again because my address had changed to get the title sent to my new location and they said that they had n't received a payment from me in about 18 months when I had original s... |