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: 8073321

Date Received: 2023-12-29

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: As I was checking my credit report today I'm starting to see some credit cards opened in my name that I don't recall opening. Grant it these accounts were opened back in XXXX. XXXX cards I'm reporting as fraud were opened at Capital One. I've already disputed them through XXXX, I'm wanting to file a complaint as well on why this company didn't validate the person opening the account wasn't me. XXXX card ended in XXXX and the other ended in XXXX.

Company Response:

State: AL

Zip: 35244

Submitted Via: Web

Date Sent: 2023-12-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8073243

Date Received: 2023-12-29

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: The payment history on my credit report from capital one on two of my credit cards are wrong. They are showing late payments for the early part of XXXX and I was not late. Please help me investigate and correct the problem. I have tried to get this problem fixed but they keep coming back verified but no information was ever sent to me. I dont get how it is verified if the information is wrong.

Company Response:

State: NY

Zip: 10956

Submitted Via: Web

Date Sent: 2023-12-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8072714

Date Received: 2023-12-28

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: 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 In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.

Company Response:

State: CA

Zip: 92123

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8072713

Date Received: 2023-12-28

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: XXXX XXXX XXXX ( XXXX XXXX XXXX ) 1 LATE PAYMENT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.

Company Response:

State: CA

Zip: 92123

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8072439

Date Received: 2023-12-28

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Acct # XXXX XXXX XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX capital one Acct # XXXX XXXX XXXX

Company Response:

State: NC

Zip: 28348

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8071975

Date Received: 2023-12-28

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I had a credit card with Captial One in which was closed due to nonpayment and the loss of my job. I received an email from them stating I could settle the payoff amount which was XXXX for XXXX. I called on XX/XX/ and spoke to someone unwilling to help me and I requested a supervisor I was put on hold and the called dropped. I called back on XXXX with hopes of getting more information and settling the debt I explained the email I received and Capital One was not willing to honor their email.

Company Response:

State: PA

Zip: 19124

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8071849

Date Received: 2023-12-28

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: HELLO CFPB, my complaints against Capitalone bank 1 ) requested personal check after transferring USD XXXX even paid from my account at capital one bank branch where I have i opened the account XXXX XXXX XXXX XXXX but never had the check received to latter take advantage of me by denying access to my own account, to day and in two other incidents i was cut phone connection and the bank tried to send the check to old address but my current XXXX address was on file and i have legally updated via us change of address and IRS web address still the bank is not willing to treat me fairly please research and provide this info with inspector general and XXXX XXXX XXXX XXXX for double standard of service - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was scammed by this bank XXXX XXXX and delivery of check may be connected to this check, in which case I request the board to open careful research and file civil suit against this bank, to protect fair right of minorities 3 ) to put one case, I was denied a cancelled purchase return from XXXXXXXX XXXXXXXX XXXX XXXX card which i charged -debit card and after a year and half the seller asked me to take money in cash in which case the bank made prearrangement to be free of legal issues. 4 ) the bank intentionally declined to reset my online password even propery uploaded for about 4 times to verify 2 way security authentication. please carefully investigate this irresponsible bank if it fits bank standard and forward it to department of treasury and consumer regulatory watch dog. please request this to refund my short balance XXXX XXXX with interest to date regardsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response:

State: VA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8071501

Date Received: 2023-12-28

Issue: Improper use of your report

Subissue: Report provided to employer without your written authorization

Consumer Complaint: I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 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 These inaccuracies have unfairly impacted my creditworthiness. Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX XXXX XXXX Thank you for your immediate attention to this matter.

Company Response:

State: MD

Zip: 21043

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8071435

Date Received: 2023-12-28

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: My Capital One Credit card statement is showing that my monthly {$25.00} payment was returned as insufficient funds by XXXX on XX/XX/2023. Capital One customer service told me to speak with XXXX XXXX XXXX to get information about the returned payment. I looked at my XXXX statement and there is no record of an NSF transaction on my XXXX statement during that time. I spoke with a XXXX representative and the representative searched through transactions for XX/XX/2023 but found no evidence of a NSF transaction related to a Capital One payment. Capital One is now displaying my account as past due and is doing nothing to fix the issue. I was also charged a {$25.00} late fee in this instance. This issue should be fixed by Capital One, my account should be in good standing, and the {$25.00} late fee should be refunded. XXXX has agreed to provide documentation that details lack of evidence of an NSF transaction during the time in question ( XX/XX/XXXX XXXX, 2023 ).

Company Response:

State: MD

Zip: 21113

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8071411

Date Received: 2023-12-28

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: Bank checking account is with Capital One. I also use XXXX. XX/XX/23 Received a text from the Capital One telling me that there was suspicious activity on my account and if it was from me. I replied " No ''. I then received a call from the Capital One help line XXXX ( I looked up the number to make sure it was Capital One ). They identified themselves as an account rep and knew my account balance. They were asking for more information on my account. They said they changed my password and needed the code- which I gave them. They said they would move funds around and secure the account and would call back. They said my account would be temporarily locked. They called back asking for XXXX account information. I gave them the XXXX password. I then noticed money being withdrawn from my XXXX account. They then called my mother ( who is a contact in my XXXX account ) asking her for her password. She did not respond and hung up. She called me to let me know and that I should call Capital One. I called Capital One to inform them of the unauthorized transactions. In total over the next 3 days {$4900.00} was transferred from my Capital One checking account to XXXX. From XXXX, the money was transferred to someone I don't know. In addition, {$1500.00} was transferred out using XXXX XXXX At this point all my funds from the checking account were gone. {$200.00} in credit card transactions were also fraudulent and disputed. This amount was refunded. I called Capital One on XX/XX/23 to dispute the transactions. My cards were cancelled. They opened a case and the informed me that my claim was denied for the following reason : " Due to authorization and/or participation in the transaction activity. ''

Company Response:

State: NY

Zip: 125XX

Submitted Via: Web

Date Sent: 2023-12-28

Company Response to Consumer: Closed with monetary relief

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.