January 2016 Complaints Against Capital One Bank

Compiled from Public Data by FairShake

If you have an issue with Capital One Bank, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2016, the CFPB received 4260 complaints against Capital One Bank. Capital One Bank ranked Number 8 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: January 20, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: TX

Product: Credit card

Issue: Identity theft / Fraud / Embezzlement

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: NY

Product: Mortgage
Sub-Product: Home equity loan or line of credit

Issue: Loan servicing, payments, escrow account

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 20, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: CA

Product: Debt collection
Sub-Product: Credit card

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
Credit Limit was {0.00} and the amount they are trying to collect is XXXX.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: PA

Product: Bank account or service
Sub-Product: (CD) Certificate of deposit

Issue: Account opening, closing, or management

Full Complaint:
Capital One 360 has short changed us.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 20, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: CT

Product: Credit card

Issue: Balance transfer

Full Complaint:
I recently set up a checking account with CapOne360. I deposted {00.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: FL

Product: Debt collection
Sub-Product: Credit card

Issue: Disclosure verification of debt
Sub-Issue: Not given enough info to verify debt

Full Complaint:
In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX.
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies.
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {0000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: DE

Product: Debt collection
Sub-Product: Credit card

Issue: Disclosure verification of debt
Sub-Issue: Not given enough info to verify debt

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: ME

Product: Bank account or service
Sub-Product: Savings account

Issue: Account opening, closing, or management

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: TX

Product: Credit card

Issue: Delinquent account

Complaint Tags: Servicemember

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: January 19, 2016

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: CA

Product: Credit card

Issue: Delinquent account

Full Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX – XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a ” GOODWILL ADJUSTMENT ” on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX.
During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX.
I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to consideration my loyalty to your company and work with me to remove these negative marks from my credit reports.
I look forward to hearing from soon Sincerely XXXX XXXX XXXX

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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