November 2020 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 2020, the CFPB received 9776 complaints against Capital One Bank. Capital One Bank ranked Number 4 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: NC

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
My credit was stolen 5 years ago and I have been working with credit card companies to have the debt removed. Capital One Bank will not contact me to investigate the application fraud that resulted in the {000.00} of fraudulent charges that has been negatively impacting my credit report. I have been working with XXXX each month to get this fraudulent activity removed from my credit report. I have filed a police report, Identity Theft Report and a US Post Office Identity theft report because my mail has been stolen for the last 5 years. I shared these documents with XXXX and they have shared these with Capital One Bank as well as I have reached out XXXX multiple times encouraging a investigation to prove that I did not open an account with them and I should not be held liability for these charges.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: LA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
On XX/XX/XXXX / Closed XX/XX/XXXX, Balance of {0.00} ( Capital One ) has derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( Capital One. ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately, in addition to we are in the middle of a pandemic COVID-19 which is allowing relief to 85 % + consumers.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: TX

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Full Complaint:
On XX/XX/XXXX, I contacted XXXX because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an XXXX customer service representative, I was altered that someone had opened a Capitol One /Cabelas account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to XXXX on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted XXXX and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed.
On Monday XX/XX/XXXX, I contacted XXXX as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX ). I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the XXXX customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn’t speak with a supervisor.
I have yet to speak with a member of management to address my concern of how my credit profile was breached.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: MN

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
On XX/XX/2019, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: AZ

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Full Complaint:
I have a credit card with Capital One that I have had for years. On Sunday XX/XX/XXXX I recieved an EMail from Capital One informing me that treir XXXX XXXX system was showing a hard inquiry into my credit. I checked my credit and found it was made by Capital One/Cabela ‘s. I did not apply for credit with them so I called Capital one. I was transferred four times and finally to their XXXX XXXX department where I was on hold for two hours. I hung up and imediatly called back to Capital One. After three transfers I am now waiting for the Capital One/Cabela ‘s fraud department and have been for thirty minutes. I have been told that there has been a problem with Cabela ‘s applications and that ” my ” inquiry has been approved. I want this card recinded and the credit inquiry removed from my report. The only good that has come from my dealing with Capital One/Cabela ‘s is an operator named XXXX who has been monitoring my wait and giving updates.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: FL

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: TX

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Closing your account
Sub-Issue: Company closed your account

Full Complaint:
XX/XX/20 my credit cards were restricted. I called in on XX/XX/20 and spoke with employee named XXXX he advised to send in front and back copy of my authorized users ID and a copy of their social cards. XX/XX/20 I called back to confirm again what was needed with XXXX. I sent the docs in. XX/XX/20 employee XXXX called in while I was on a call and I told her I would call back nothing was discussed with her. I called back XX/XX/20 and spoke with XXXX which she advised all of my documents were verified and I only needed to resend my daughter Mi’Kala social security card. I resent that in. XX/XX/20 employee XXXX noted my account that XXXX XXXX social security card was received. I did not talk to her. XX/XX/20 I spoke with XXXX which he advised all docs were not received and I now I need to also send docs in for previous authorize users that I don’t even have contact with he also verified that XXXX did note that all I needed to send was XXXX XXXX social security card but he claims she gave me inaccurate information. I requested a manager on XX/XX/20 and spoke with XXXX. I explained to her what XXXX advised me and why I can’t sent the additional info in. She advised that she would figure out how she can help me and she would call me back but she never did. XXXX never called but she noted in the notes that all I needed to send in was XXXX XXXX Drivers license only which were sent in. XX/XX/20 XXXX only noted docs needed but did not specify what documents. I spoke with another supervisor on the executive response department in XXXX that gave me another list of documents that need to be sent in I explained why I couldn’t send those docs and asked her to have someone over her to call me back but she never had anyone else call. XX/XX/20 I spoke with supervisor by the name of XXXX which she gave me a long list of documents that I needed to send in which many of the things she mentioned were already verified that they were received by other associates throughout this process. I’m beyond embarrassed but I explained to XXXX the authorized users that I can no longer get information for is my abusive ex husband and his family members. I can’t believe Capital One would want me to open up that can of worms contacting him and his family and potentially get abused again. Every single time I spoke with someone they gave me different information than the person before them. I had 2 credit card accounts with Capital One so far they have closed one which has effected my credit score and the other one is still restricted. I have been cardholder for a very long time with this company and I have NEVER been late on either of the credit cards and normally I pay the entire balance off each month.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: AL

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: MA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Full Complaint:
XXXX, has received my credit card utilization 3 times in the month of XXXX from Capital One and each time has reduced my FICO score significantly. I have no other conclusion but to feel harassed and that Capital One is feeding XXXX with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XXXX, XXXX and XXXX, neither are in line with my billing cycle and both companies blame the other.

In addition, XXXX has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment.

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {0.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires XXXX to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. XXXX failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my FICO score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. XXXX recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 30, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: NY

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

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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