ComplaintsforCapital One Financial Corporation

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Initial Complaint
10/14/2022
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Capital one closed my credit card(ending in ****) on 5/3/22 and I had a negative balance of $******* which has not been returned to me. I tried calling the bank multiple times and did not get any help.I even emailed Capital one asking them to help resolve the issue bit did not receive any reply.Pl. ask Capital One to return my money with interest(It was held from May till today).
Business response
12/01/2022
The business responded directly to the customer.
Customer response
12/01/2022
[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
10/10/2022
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
For the past 3 months I have auto pay set up to pay the entire statement balance. Despite the balance being paid in full. I keep being chargr interests. The purpose of paying the balance in full is to avoid interest charges because there is NO BALANCE carried over. I expect a refund of interest charges
Business response
11/07/2022
********The business responded directly to the customer.
Customer response
11/08/2022
[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: [email protected].

Regards,

*********** ********
Initial Complaint
09/26/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Opened card, enrolled in electronic statements and autopay/full balance. First payment made no problem. I then cancelled card as I was not allowed to charge the minimum required to achieve the promotional cash back. After closing the card I never received a statement. I assumed it was autodebited as set up. It was not until my creditwatch services notified me that Capital One was filing a detrimental report that I was even aware that I had a balance. Balance was immediately paid in full. Capital One never performed the autodebit, nor more importantly, never sent monthly statements after I closed account. While trying to resolve this Capital One acknowledges that my checking account was linked to their account but claims autodebit was no longer set up. I offered to send complete logs of my email account to show no statements received, they declined. MY COMPLAINT IS CAPITAL ONE NEVER SENT MONTHLY STATEMENTS AS REQUIRED BY LAW
Business response
10/31/2022
The business responded directly to the customer.
Customer response
11/01/2022
[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: [email protected].

Regards,

**** ******
Initial Complaint
09/24/2022
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This credit card company issued me a small credit card then it was compromised then they keep calling me yet they refuse to take my payment and say to go to the website once I am able to access my account I am blocked so I am given no choice but to file a complaint I want to make my first payment and have them stop calling me in Spanish I put refund because on ****** ***** it did not mention any yearly fee and they charged that so the card went over the limit I am trying to build credit not build enemies
Business response
10/20/2022
The business responded directly to the customer.
Customer response
10/21/2022
[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: [email protected].

Regards,

**** *********
Initial Complaint
09/22/2022
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
A debt consolidation program was paying Capital One monthly and as an oversight thought they had been paid in full. ***, the debt consolidation company have since paid Capital One in full. Capital One reported to credit bureau as delinquent and credit score dropped drastically. I have contacted Capital One and have spoken to no less than 10 individuals that can't or won't resolve this.
Business response
09/30/2022
The business responded directly to the customer.

Customer response
10/04/2022
[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: [email protected].

Regards,
******* ********
Initial Complaint
09/12/2022
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On April 24, 2022 my daughter, who is 15 and a minor and I visited **** ****** *****, while in the store, she attempted to make a purchase with her Capital One Debit card and it declined, she called me and when I got to the register, she decided to remove an item from her purchase, but since her card declined her funds were no longer available on the card, I then used my MasterCard Credit Card to complete the transaction and we were told since the first transaction declined that it would credit back to her account. We waited a week and the transaction posted. I contacted **** and they advised that there is no record of the transaction via her debit card number therefore they could not refund it, and advised us to contact the bank. We contacted the bank and advised what the store Manager had advised us to do and they filed a dispute. I uploaded the store receipt as well as my Mastercard statement showing the charge. They provided a provisional credit while they conducted the investigation, and then advised that the charges were valid even though **** shows no record of a purchase in the store. I would like this resolved and this charge credited back to us since it was covered with my MasterCard. I have uploaded the receipt as well as my credit card statement that reflects this transaction.
Business response
11/21/2022
The business responded directly to the customer.
Customer response
11/21/2022
[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
09/09/2022
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have been a Capital One customer since at least 2015 with 3 savings and 1 checking account. I opened up a credit card account a year ago. I just realized that my 12 month interest free on my credit card has come to an end. I called in to pay the balance in full and ask if the interest rate of $****** can be waived. It has only been 2 days since it's applied. I spoke to an agent then a supervisor who clearly does not care about loyalty or customer experience. I am very disappointed in Capital One. I am requesting that the $****** be reversed.
Business response
09/21/2022
The business responded directly to the customer.
Customer response
09/21/2022
[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: [email protected].

Regards,

****** *****
Initial Complaint
09/06/2022
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have attempted to contact customer service at ************** to no avail. I tried to explain to them that I paid my balance in full after I returned a product. The statement I received was dated 6/17/22-7/17/22 and I asked if this statement was printed prior to me paying the balance in full. She said it was not and that my balance was correct on the statement of: $*****. On Friday, 9/2/22 I listened to the automated service at the same phone number above and it said my balance was in the $***** range. On August 3,2022, I returned a product for $*****. Myself and the representative subtracted that refund from the balance and confirmed to current ***** and I paid the total balance of $*****.I have both receipts stating that I returned a product and paid my balance in full. I should have a ZERO dollar balance and this needs to be corrected ASAP as it should not effect my credit score.
Business response
09/23/2022
The business responded directly to the customer.
Initial Complaint
09/02/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On September 1, 2022 I hit my one year with my credit card. I was under the assumption that I would receive my $****** security deposit back. Capital One web page says you can earn back your deposit through responsible use (Like making payments). when I called on September 1, 2022 at 5:34 PM and was on the phone for 7 mins with a representative. She informed me I cant get my deposit back unless i close my account then I may qualify to get my deposit back. I am really upset about this! I will be closing my account as i have 5 other credit cards that are unsecured so one less will not effect me. I will not be using this company ever again as i feel I was lied too when i applied for my card. I will not be referring them with my friends and family.
Business response
09/27/2022
The business responded directly to the customer.
Customer response
09/27/2022
[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: [email protected]. I will be closing my account and not referring Capital One to Anyone.

Regards,

***** *****
Initial Complaint
08/31/2022
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This is regarding my checking account, which I share with my husband. On Sunday, August 14, 2022 we used a Capital One approved ATM to deposit $***. The ATM ate one of the hundred dollar bills only depositing $*** (I have the receipt and it clearly shows in my account). We called Capital One and they told us it would be 10 business days before they'd credit us for the $*** we lost, which would have been Friday, August 26th. We got a notification on the 24th saying our money was deposited and available immediately. We waited all day and the money never showed in our account. On the 25th my husband called and was informed that the notification was a "mistake" and it could take ANOTHER THREE BUSINESS DAYS. The 3rd business day was yesterday, August 30th. STILL NO CREDIT. Capital One's representatives don't want to help us and told us we could close the account if we wanted. What we want is our money deposited. This is not the first time they have done this as they've also done this work fraudulent charges on my Husband's credit card. They want you to give them money, but when it comes to actually helping their customers, they don't care. I'll be closing my account, paying off our credit cards and closing those, and refinancing my car through anther Company. This whole experience is ridiculous and I'll make sure everybody I know avoids anything to do with Capital One in the future.
Business response
10/28/2022
The business responded directly to the customer.
Customer response
10/28/2022
[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: [email protected].

Regards,

********* ******

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