April 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: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: FL

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

Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly

Full Complaint:
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 14 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply – remove immediately. There are several dates of inquiries on my credit report, instruct the credit bureaus to delete these inquiries immediately.
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 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: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: CT

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

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

Full Complaint:
Please CFPB forward thw documents to Capital One please. Thank you!

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: SD

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: Problem with personal statement of dispute

Full Complaint:
hello, i have a capital one credit card. my payments were not being updated on my XXXX report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my capital one account. the account is still active and being used. the deletion does not show on my XXXX report, only XXXX. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with XXXX, who sent me to capital one, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: DC

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

Issue: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: MN

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Full Complaint:
Numerous ongoing unauthorized charges from XXXX XXXX and XXXX XXXX. I have sent 4 letters to Capital One, they reverse the charges, but then it appears on the next bill as a ” transaction rebill ”.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 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: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: None

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: CA

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

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 27, 2020

Company Official Name: CAPITAL ONE FINANCIAL CORPORATION

State: MI

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: Problem with personal statement of dispute

Full Complaint:
I have payment arrangements monthly with capital one auto financial!
I have successfully been making payments as scheduled per arrangements!
However, I been sick since XX/XX/2020 with XXXX and hospitalized with complications!
Im still off work waiting on income.
Although my payment arrangements are still being met on time! Capitol one auto finance is continuing to report negative late payments thats hurting my credit scores. I called them to resolve the issue asking for respect and curtesy for XXXX reliefs!
I was sent to escalation team and I was told to file a complaint that I was still considered late paying.

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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