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: 8051686

Date Received: 2023-12-23

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: XX/XX/2023 capital one card, account was opened under my name. I called the company, they stated there wasn't anything could find u ser my name or ss, address nothing. The amount was opened for XXXX credit.

Company Response:

State: OK

Zip: 73160

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051579

Date Received: 2023-12-23

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. Capital One didn't take the identity theft claim seriously and refused to investigate my claim. I believe that I am being discriminated based on my XXXX, my identity being stolen and race since I am XXXX. I believe that the identity fraud that hit my account and myself being held liable is because of my race, XXXX and nationality.

Company Response:

State: AZ

Zip: 85205

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051378

Date Received: 2023-12-23

Issue: Problem with a company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Consumer Complaint: On XX/XX/XXXX both of and all of my Capital one cards where hit with fraud I am up to date on all my charges and I owe capital one nothing. Then XX/XX/2023 came and I tried very hard to get my phone number changed with my account with XXXX XXXX separate times through their live chat for XXXX individuals. All XXXX times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation XXXX separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is XXXX XXXXXXXX, they insisted they are following XXXX laws by telling me to use XXXX XXXX XXXX In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this XXXX stuff. I recieve paperless bills but Capital one refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with Capital one and this is my annual fee for my XXXX XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! Capital one reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks Capital one. When Capital one decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want Capital one to get over their head trip of security nonsense and change my XXXX phone number in my this is my # now XXXX XXXX XXXX XXXX but if you call I will not answer. Capital one requires a valid phone # just to get and keep a Capital one credit card. I want Capital one to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX card. And I want Capital one to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly XXXX months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of XXXX XXXX for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement XXXX. CFPB your partially responsible for this continuing and causing harm

Company Response:

State: NY

Zip: 148XX

Submitted Via: Web

Date Sent: 2023-12-24

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051245

Date Received: 2023-12-24

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: As a consumer, I have the right to have late payments not be reported. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the Consumer Law code 15 US Code 1681a. section 602 states I have the right to privacy, and section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

Company Response:

State: GA

Zip: 30088

Submitted Via: Web

Date Sent: 2023-12-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051214

Date Received: 2023-12-24

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement. Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company Response:

State: NV

Zip: 89081

Submitted Via: Web

Date Sent: 2023-12-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051121

Date Received: 2023-12-24

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: Capital one approved a credit card with a limit of {$5500.00}. I had already used {$1300.00} and made my first payment when I discovered a fraudulent charge was made on the credit card for {$210.00}. Naturally I contacted the fraud department and disputed the charge. Capital one open a fraud case and then they refunded the {$210.00} back to my account. Then a week later my account was restricted and I was emailed to contact the fraud department. I called the fraud department and was told that I needed to verify my identity by submitting s copy of my social security, 3 months Bank statements, 3 months employment paystubs and both sides of my drivers license. I asked what was all this about but representatives did not have an answer. So I submitted what I felt like they needed and waited. I called them again and asked why the credit card was still restricted? The representative stated that the documents were not approved, only the # SS card was approved and that I needed to resubmit everything again. Shortly after that conversation I received and email letter stating that I was no longer approved for the credit card. This is a problem because now my credit score dropped due to the reversal of the {$5500.00} credit limit and the outstanding balance of {$1300.00}. I feel like this is retaliation or discrimination but either way Im filing this complaint and hopefully an attorney wont have to get involved. Please help!

Company Response:

State: VA

Zip: 22556

Submitted Via: Web

Date Sent: 2023-12-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8051054

Date Received: 2023-12-23

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: I signup for XXXX capital one They said give {$300.00} credit statement when i spend {$500.00} as early promotion as promised When i called first time they said it will appear after 3 billing cycles After i called after 3 billing cycles saying it is not linked to my agreement I want them to give {$300.00} credit statement as promise

Company Response:

State: MN

Zip: 55129

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8050333

Date Received: 2023-12-23

Issue: Problem with a purchase shown on your statement

Subissue: Overcharged for something you did purchase with the card

Consumer Complaint: Capital One Credit Cards I have a Quicksilver and a XXXX card with this company and at times when i balance and check my card activity, i am owing more than what my balance says and this is going by there website, for example i will owe an extra {$30.00} and this has happen sporadically, so i will just adjust my balance to capitals figure and go on. I suspect some wrongdoing on their part but am not sure how to prove it. Another instance in XXXX was when i deposit a XXXX check and my account should have been {$20.00}, but it showed {$22.00}, so yes i had a credit of XXXX but there was no reason given. I would like to know if i am the only one having these issues and if the is a pending lawsuit against XXXX, i would be interested in joining.

Company Response:

State: NC

Zip: 28025

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8050275

Date Received: 2023-12-23

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: At XXXX XXXX XXXX, I called Capital One customer service as listed on https : //www.capitalone.comXXXXXXXX XXXX XXXX XXXX to inquire about why my account showed an interest rate of 30.74 % instead of the promotional 0 % offered to me when I applied for the credit card ; I also offered the sign-up spending bonus of {$200.00} after spending a minimum of {$500.00} within the first 3 months of opening an account. I was then told by customer service that neither promotion was applied to my account, with no specific reason given. The terms on the website state that the promotional credit is offered when clicking Apply Now through the website, which I did. This promotion directly influenced my decision to apply and use this credit card, so not receiving it as promised is problematic.

Company Response:

State: AZ

Zip: 85022

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8050222

Date Received: 2023-12-23

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I disputed incorrect information contained in my credit report in a letter dated XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from CAPITAL ONE. In the letter, I informed you that the account XXXX was legally paid in full after collection status, but I have yet to receive a 1099 c for this write off. In addition, Capital One is in violation of the FCRA for reporting inconsistent information such as the date last active, high credit limit, and payment history. If you are reporting different information to each credit reporting agency, how is the information furnished credible? This is clear and obvious negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. Please see the attached credit report showing that this account was paid in full, and the inconsistent information.

Company Response:

State: TX

Zip: 75071

Submitted Via: Web

Date Sent: 2023-12-23

Company Response to Consumer: Closed with non-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.