CAPITAL ONE FINANCIAL CORPORATION


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"Products" offered by CAPITAL ONE FINANCIAL CORPORATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Second mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Pawn loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - ID prepaid card
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 7570192

Date Received: 2023-09-19

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Balance has been paid off but still shows on my credit report

Company Response:

State: WI

Zip: 53216

Submitted Via: Web

Date Sent: 2023-09-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7570028

Date Received: 2023-09-19

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Several weeks ago I attempted to link an external account so I could transfer funds from my Capital One account to an account at XXXX. I received no communication from Capital One that the linkage was not successful but did not see any microdeposits. I called at the time to inquire and no one could see the attempt or tell me what happened. This weekend, I tried to set up the linked account again but was getting an error message on the mobile application. I was told to try to set up in the online application instead of the mobile but it would still not go through. I spoke with a manager who information me that it could not be set up due to an internal glitch at Capital One and that she would send the information to the correct internal department to resolve and to try again on Tuesday. When I tried this morning, I received the same error message. Upon inquiry and discussion with a manager I was told that this was due to security reasons but that nothing was restricted with my funds. I asked if I could speak with someone in the fraud area to help me understand what the issue was and was told that wasnt possible. Since an external transfer could not be set up, I inquired as to whether I could wire the funds and was told I could, however, there would be a fee. I asked for the fee to be waived and was declined. I asked to escalate this request and was told that wasnt possible I was speaking with the highest level. I noted I would remain on the phone until I had a chance to speak with someone about the request. The manager put me on hold for about XXXX XXXX while she got someone and then hung up on me. I called the fraud department and was transferred again and was told the same as before. I hav e spoken with the Bank that the funds would be going into and they are not sure why this is not able to be done as everything looks ok on their end. I have been a customer for 20+ years and have what ( to me ) is a significant relationship with the Bank XXXX They arent paying the most competitive rates and I feel like they are now holding my money hostage making it difficult to set up an external transfer because they dont want people moving funds out of their account. Perhaps they are blocking transfers from going to competitors that are paying higher rates. I also cant believe that a 20+ year relationship when I have asked for next to nothing from the Bank is not worth a waived wire transfer fee. That is sad and I am disappointed that I now need to find another bank to do business with.

Company Response:

State: MA

Zip: 026XX

Submitted Via: Web

Date Sent: 2023-09-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569777

Date Received: 2023-09-19

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. XXXX Report : XXXX XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: TN

Zip: 38118

Submitted Via: Web

Date Sent: 2023-09-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569622

Date Received: 2023-09-19

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: TN

Zip: 38118

Submitted Via: Web

Date Sent: 2023-09-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569618

Date Received: 2023-09-19

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: Capital one there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX

Company Response:

State: WY

Zip: 82001

Submitted Via: Web

Date Sent: 2023-09-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569466

Date Received: 2023-09-18

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I am a joint owner on my mother 's checking and savings accounts with Capital One. The accounts were locked by Capital One on XX/XX/2023 after I notified them my mother had passed away. On XX/XX/2023 I submitted the required documents ( notarized Letter of Instruction, death certificate ), I did not received any response until XXXX/XXXX/XXXX when the Letters Testamentary were requested. I submitted the court document I received showing I am the executor of the estate and the personal representative for probate on XX/XX/2023. On XX/XX/2023 Capital One requested executor documents again, I responded asking what specifically I need to submit, I have sent everything they requested. These are also the same documents I used to close all other accounts for my mother with her other banks. They responded they would need to speak with their legal department. It is now XX/XX/2023, I have not received any additional response from Capital one. When I call customer service I am told the estate department does not have a phone number, only email. They do not respond to email. Currently they are holding all money in the account and will not allow access or closure of the account. I can not get in touch with anyone at the bank.

Company Response:

State: NV

Zip: 891XX

Submitted Via: Web

Date Sent: 2023-09-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569445

Date Received: 2023-09-18

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX and withdrew {$1000.00} from an atm. I then drove up to the Capital One Gateway Overlook Branch ( XXXX XXXX XXXX XXXX ) ATM and attempted to make a deposit of {$1000.00} in cash sometime between 4:10pm and 4:30pm. After submitting the cash ; the ATM went dead. I immediately went inside to speak with a branch manager but none was available. I was advised by a branch ambassador/teller named XXXX XXXX XXXX XXXX can't do anything and that I would need to contact the claims department. Contacted the claims department while in the bank. I was given a provisional credit pending investigation. Fast forward my account is negative {$950.00} and I just learned that the credit was reversed. According to the written notice I received, I was advised that a partial credit of {$50.00} was given to my account while {$950.00} was denied w/ no other details. I then contacted them and requested that I be provided written documentation of the investigation process. I have yet to receive the documentation. I called today XX/XX/XXXX to follow up and I was advised I would receive documentation. When I asked about the investigation process and requested to speak with a manager They basically stonewalled me. I requested an appeal which they stated I would have to wait 15-20 days for results. I was told I can't email a manager. I'm not allowed to have a manager 's name.

Company Response:

State: MD

Zip: 21075

Submitted Via: Web

Date Sent: 2023-09-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569279

Date Received: 2023-09-18

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: New account. It has been placed on a total of three ( 3 ) payment holds already. Each payment hold is a complete account lock-out for a total of twenty-six ( 26 ) business days. I called and spoke with the manager/supervisor over the phone, but the creditor claimed they had noted the concern on my accounts, but it is Capital One 's policy to place a payment hold for twenty-six ( 26 ) business days at their own discretion.

Company Response:

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-09-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7569229

Date Received: 2023-09-18

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: Someone applied for a Capital One Credit Card in my name two different times. Once in XX/XX/2023 and in XX/XX/2023. They also applied at XXXX XXXX in XX/XX/2023. Neither of these companies will let me have a copy of the application. I think the fraudulent person is using my information on the application, but put their address in the billing section of the application. If Capital One and XXXX XXXX would give me a copy, I could press charges on the fraudulent person.

Company Response:

State: KY

Zip: 40701

Submitted Via: Web

Date Sent: 2023-09-18

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7568855

Date Received: 2023-09-18

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: Capital One Credit Card Visa Platinum card Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Back in XXXX of XXXX, I informed capital one credit card that my phone had been stolen. XXXX stole it used my credit line then attempted to pay my credit card off with a fraudulent account, more than likely to pay off the card with fraud than use the card or credit line. I wound up having to repay whatever had been charged to the card to get my payments back on track and informed them not to charge that other account it wasnt mine and it was fraud. I went on making my minimum payment or alittle above and than without my knowledge Capital one continued trying to pay my account above my normal payments with the account I told them was not mine. After two or three more months of this out of nowhere they close my account stating it was from them being denied from the account I told them was fraudulent. No money was ever paid from that account because of coarse it wasn't mine. I had no idea that Capital one was still trying to charge that account after I told them it wasn't mine and it was fraud. So in XX/XX/XXXX Capital one closed my account due to their own mistake. I wrote them a letter and called twice with them insisting I must cover the payments they tried to make without permission and then try to open a new credit line. I should of never lost my credit line because they messed up. I continued to make my minumum. They are victemizing me twice. They should of never continued to charge an account I told them was not mine. I should not be effected negitively at all from any of this and my line of credit should be continued or at least not effect my credit report in any negitive aspect.

Company Response:

State: CA

Zip: 92395

Submitted Via: Web

Date Sent: 2023-09-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.