ComplaintsforCapital One Financial Corporation

• Initial Complaint

  01/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Capital One placed an extended hold on a payroll check and refused to lift it because I am a new customer. They accepted another deposit of a personal check just days earlier with no issues. I will now have late payments due to them keeping the paycheck hostage for more than one calendar week.

  

  Business response

  01/29/2024

  Please see the attached forms

  Customer response

  01/29/2024

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: complaints@richmond.bbb.org.
  
  Regards,
  
  K******** ******
  
  
  

• Initial Complaint

  01/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been trying to find out why my Kohls branded credit card no longer automatically charges the minimum to my bank account on file. Since October 2023, I have paid $*** for absolutely nothing but junk fees on top of junk fees. Kohls customer support has been useless. They won't tell me what happened to my automatic debit setup or what has happened since notifying customer service that I wanted to resume automatic debit. They won't waive any of these junk fees. I'm on social security and $*** is what I spend on groceries in a month. I've had nothing but problems with Capital One in the past few years doing the same thing to a Visa credit card. My automatic debit disappears so I stopped using the card. They retaliated by closing my account and destroying my credit that I'm trying to rebuild after they informed my other creditors that they had closed my account. That doesn't matter if it's for not using it lately. The other banks think I wasn't paying my bills so they closed my credit card accounts as well. I complained about that issue with Capital One and with the other banks, through BBB, and they did nothing. I doubt they'll do anything about this either.

  

  Business response

  01/26/2024

  Please see the attached forms

  Customer response

  01/29/2024

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I have ensured that autopay is set up and have documented it for my records. As long as the autopay is not removed by either Kohl's or Capital One, and that neither dispute my request to update my credit as in good standing with no late payments, I will consider the matter resolved. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: complaints@richmond.bbb.org.
  
  Regards,
  
  S***** *****
  
  
  
  

• Initial Complaint

  01/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a complaint against Capital One reporting an item that is placed on my credit since 11/1/2017 that I did not authorize or give consent to pull my credit . Under the FCRA Permissible purposes information reporting that I did not authorize, must be investigated or deleted. This matter has been addressed several times with the creditor. since (2018)... Other credit bureaus have removed this error from my credit. I continue to dispute this account from being reported on my Experian report. Acct # ********. Comments are placed on my report the matter (Account was in dispute) nothing was resolved, this matter is causing future employment issues as well as derogatory marks that are not legitimate. I am requesting this item be removed from reporting as a charge off account. Information was not provided as verifiable and continues to be ongoing. I've provided information to this creditor since 2018 when it was discovered. Thank you

  

  Business response

  01/29/2024

  Please see the attached forms

  Customer response

  01/30/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  D**** *******
  
  
  
  
  

• Initial Complaint

  12/09/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  Dear Sir/Madam I made purchase with the capital one cash back **% cash back promotion on Oct. 16, 2023 . The reward should be $****** * **% = *****  However, I got only $**** cash back only My capital one cash back sign in is same as Capital One sign in id ******* ****** *****************  I attached the promotion email and the order confirmation email Would you please give me ***** ? Thanks ******** *** 

  

  Business response

  01/30/2024

  Please see the attached response.

  Customer response

  01/30/2024

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: complaints@richmond.bbb.org.
  
  Regards,
  
  J******* ***
  
  
  
  

• Initial Complaint

  12/04/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 5/19/23 a fraud charge got by Capital One for $********. A couple weeks later, a $** fraud charge sparked a "do you recognize this" email. We reported the fraud & our card was replaced. Fast forward to present & in analyzing our Q2 transactions we identified the fraud charge from 5/19 & reported it to C1. The representative assured me "not to worry" with C1's fraud protection we were "covered" & would be refunded, especially since the card was already reported in fraud & has since been replaced. We were then refunded for the transaction and subsequently rebilled for it. When I called about the rebill the representative informed me that the merchant had issued a refund directly and that's why C1 rebilled it. After checking our posted transactions, we never received a refund from the merchant. I called C1 again and this time was told that too much time had passed for the transaction to be refunded and that was the reason for the rebill and there was no record of a merchant credit. I had spoken to THREE different C1 representatives, all of whom told me we would be refunded and "not to worry". So do your representatives just lie to get your customers off the phone and hope they don't check their transactions? We do quite a significant volume of transactions with C1 and for a fraudulent charge to go through and then not be refunded is quite concerning to us. On top of that, there has been a data breach in C1 that they have failed to report to their customers. I am able to export our transactions and see all the transactions of another customer. I reported this data breach to C1 on 11/25/23 and was told someone would follow up. As of 12/4 I still have not had anyone follow up to me directly or received a notification as a C1 customer advising me of this data breach. C1 has allowed a fraudulent charge to go through then refund it, then rebill it and lie about the rebill, and now with this data breach we are quite concerned for the security of our account.

  

  Business response

  01/03/2024

  Please see the attached response.

  Customer response

  01/04/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  What investigation did you do?? There was fraud reported on this card right after this charge had been made. Call the company where this charge was made and see if there is a valid transaction... You will not find one because this is a fraudulent transaction. How about you actually do an investigation!! We trusted Capital One to stand behind their claim of fraud protection. We've been using capital one for years for hundreds of thousands of dollars. The fact that you won't cover us for a $**** fraudulent charge especially when there is so much evidence it is fraudulent is appalling. We opened a fraud claim on that card shortly after this transaction and all you have to do is pick up the phone and make a call to the company that this charge was made from and you will see there is no transaction from us. Again, how about you actually do an investigation! I find your practices deceptive and untrustworthy. On top of that, there has been a significant data breach I reported to you over a month ago and all I still get is "I'll forward it to a other department".  This does not leave us with much trust in capital ones business practices.

  
  Regards,
  
  T**** *
  
  
  
  

  
  

• Initial Complaint

  08/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Charging a late fee on the payments same due date.

  

  Business response

  08/10/2023

  Capital One has responded directly to their customer on this issue.

• Initial Complaint

  02/07/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I am a long customer of ********************** and recently opened an additional venture credit card. Within 48 hours my card was canceled twice due to security fraud alert I had to go through the credit card ID verification twice. It was very unfortunate because I was in the middle of booking, my airline tickets and car rental, and was not able to purchase my airline tickets through the capital one travel system. I spent hours trying to get this fixed and issues. Keep arising. Unfortunately I had to book my airline tickets with my **** card, and I am not going to get the rewards because of a system issue with capital one. This has been a really horrible experience. I am requesting for my annual fee to be waived and the reward points to be credited to my account. Everyone I spoke to seemed like robots, and reference the system is making the end, all decisions, as if it was an artificial intelligence that was running your company and not people. This was really frustrating, no one has shown empathy

  

  Business response

  02/28/2023

  The business has responded directly to the customer.
  
  

  Customer response

  02/28/2023

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.
  
  Regards,
  
  ***********************
  
  
  
  

• Initial Complaint

  01/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I ************************* am writing in response from your company as well as all three Credit *************** in reference to scrubbing inquires off my credit that does not belong to me. I have filed and attached a copy of the police report that was obtained. I have contacted your indivual company and was told to reach all three credit agencies, they in turn told me to reach out to you the bank because these were done online and not in person at a Dealership.Since a Freeze has been placed on my credit again as well as the police reporting being filed, below you will see the inquiry dates that has been listed by *********** ********* ****** *******. The *** in question is ************ Inquiry Dates of 10/04/22, 09/27/22, 09/20/22, 06/20/22, 06/13/22, 06/10/22, 03/11/21 on Jan 19, and Jan 20, 23 I was contacted by two different Reps with Capital One and they do not want to work with me on these inquiries and put me on hold to transfer to another rep and never came back to the line causing me to hold over 45 mins on each call.

  

  Business response

  02/16/2023

  The business responded directly to the customer.

  Customer response

  02/16/2023

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.

   

  In closing as of today these inquiries have been removed 
  
  Regards,
  
  *************************
  
  
  

  
  

• Initial Complaint

  01/14/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Over the past years, I have received marketing letters in the mail from the above company. I have never done business with the company in the past, yet they continue to send me mail, even after I've moved to another state. Letters usually arrive on average once every couple weeks, causing inconvenience and annoyance similar to illegal robocalls each time. This has been an ongoing issue for several years, and I believe these letters are a violation of my right to privacy, since the company is able to find me even after I've moved to another location without leaving a forwarding address. In addition, I believe the frequency that I receive the letters constitutes harassment and stalking under federal law.

  

  Business response

  02/17/2023

  The business responded directly to the customer.
  
  

  Customer response

  02/21/2023

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.
  
  Regards,
  
  *******************************
  
  
  
  

• Initial Complaint

  01/08/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I paid my balance in full off last month. I received a statement saying I owe Interest . How when I paid my balance off in full. I called and talked to a representative and then a supervisor named ***** who refused to give her last name but said her ID number was ******** and she wasn't any help either. I am trying to get this resolved.

  

  Business response

  02/02/2023

  The business responded directly to the customer.

  Customer response

  02/03/2023

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: **********************************************.
  
  Regards,
  
  ***************************
  
  
  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩