Consumer Complaint : Capital One Travel / Capital One Bank Product/Service : Credit Card / Travel Services Issue : Problem with a purchase or service/ Failing to process a refund for a cancelled service. Description of Complaint : I am filing this complaint against Capital One Travel regarding their failure to process a mandatory refund for a cancelled flight, resulting in a financial loss of {$1400.00} ( consisting of {$1100.00} in cash and {$300.00} in travel credits ). XXXX. Incident Timeline : Booking Date : XX/XX/XXXX. Original Flight : XX/XX/XXXX. Cancelled by the airline due to a snowstorm. Rescheduled Flight : XX/XX/XXXX. Cancelled again by the airline due to conflict/war. Refund Attempt : I have contacted Capital One Travel over XXXX times since XX/XX/XXXX, to request a full refund for these non-performed services. XXXX.…
CFPB COMPLAINT DATABASE
Capital One
879 real consumer complaints filed against Capital One at the Consumer Financial Protection Bureau in the last 12 months. 152 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Problem with a purchase shown on your statement174
- 02Managing an account91
- 03Other features, terms, or problems87
- 04Closing your account51
- 05Fees or interest47
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
The XX/XX/year> statement balance on my CapitalOne Credit Card ending XXXX was {$900.00}, minimum of {$26.00}, due by XX/XX/year>. I paid {$900.00} on XX/XX/year>. The card has been closed for around a year and there have been {$0.00} in new purchased. CapitalOne charged me an Interest Fee of {$8.00} on XX/XX/year>, and a Past Due Fee of {$8.00} on XX/XX/year>. My card was closed and paid in full as of XX/XX/year>. I was unaware there was an interest charge that resulted in a late fee. I called customer service today and was advised by both an associate and a manager that they couldn't waive those fees. I paid them just now before writing this complaint. They're illegal fees. Additionally, I'm concerned about CapitalOne reporting to the credit bureaus when they're charging me illegal fees. How do I know they won't continue to charge me more fees? It's predatory.
transfer funds from discover savings account to XXXX savings account but went to the wrong account XXXX number. amount of {$21000.00} is to be transfer on XX/XX/year> to the wrong account. would like to action taken before the actual transfer on XXXX. XXXX XXXX can freeze the account if they have the full account number but discover refused to supply the full account number because it is a security matter. please advise me the steps I should take the funds recover. addition info : discover account ending : XXXX XXXX account XXXX wrong account ending : XXXX ( fund went to this account which is not our account )
I activated a 50 % cashback offer through Capital One XXXX portal email offer for a purchase at XXXX Contacts. I followed every instruction provided : I activated the shopping trip within Capital One XXXX, remained on the page through checkout and confirmation, and completed the purchase. I was not using a VPN, incognito mode, ad blockers, or any privacy suppression tools. I have screenshots of the completed order. The cashback owed to me was {$370.00}. Capital One XXXX denied the full reward, claiming the merchant did not confirm the purchase as completed within their system. This is a technical tracking issue between Capital One XXXX and the merchant not a failure on my part as a customer. I fulfilled every requirement presented to me. Capital One XXXX offered {$250.00} as a " courtesy adjustment, '' which I believe is an implicit acknowledgment that the purchase was valid and qualifying.…
On XXXX XXXX, 2025, I initiated a formal dispute with Capital One regarding a charge of {$1500.00} related to a flight reservation with the airline XXXX. The bank issued a temporary credit, which was subsequently reversed on XXXX XXXX, 2026, on the grounds that the merchant had submitted evidence demonstrating the validity of the reservation. However, after requesting and reviewing the evidence used to close said dispute, I have uncovered serious administrative negligence on the part of Capital One : 1. Identity and Data Errors : The " evidence '' submitted by XXXX accepted by the bank as valid justification for debiting my fundsactually pertains to third parties who are entirely unrelated to my account or agreement. The documentation contains names, reservation numbers, and monetary amounts that do not match my identity or the specific transaction under dispute. 2.…
Recent complaints
The 30 most recent complaints against Capital One where the consumer chose to publish their narrative.
My account was closed without warning. I have a balance of XXXX on the card what was supposed to be refunded. The account was closed in XXXX and it is not XX/XX/XXXX and I have yet to receive any refund. The check has been reissued 3 times now and theres no explanation as to why I havent received it. The last representative submitted a reissue without my consent and now I have no other choice to wait another 15-20 days which is unacceptable. The representative seemed nonchalant and very dismissive.
During the billing period of XX/XX/year> through XX/XX/year>, I made multiple payments on this account in the amounts of XXXX, XXXX, XXXX XXXX. These payments were later marked as returned, XXXX the account was reported as past due. A past due fee of XXXX was also applied, XXXX the balance exceeded the credit limit due XXXX fees XXXX reversals. I disputed this information with the credit bureaus multiple times. However, the disputes were either closed without correction or not properly investigated. The reporting is inaccurate because payment activity exists, yet the account is being reported as delinquent. Any internal payment processing or reversal issues should not result in negative credit reporting. I am requesting removal of the inaccurate late payments XXXX delinquency, or correction of the account XXXX reflect accurate payment history.
I am submitting this complaint regarding a series of events involving fraudulent wire transfers, issues with funds availability, and account restrictions at Capital One that caused significant financial harm. On XX/XX/year>, I deposited a {$7100.00} check. The funds appeared to be clear and available in my account. On XX/XX/year>, after those funds became available, I initiated a {$6000.00} wire transfer. After the check deposited on XX/XX/XXXX bounced, I contacted Capital One the same day and reported suspected fraud. I specifically requested that the wire transfer be recalled. The customer service representative told me that the bank could not reverse the wire transfer, and I was not informed of any recovery options. Later on XX/XX/XXXX, the {$7100.00} check bounced. On XX/XX/year>, I deposited a second check for {$27000.00}, which also appeared to be available in my account. On XX/XX/year>, I made an additional wire transfer of {$2000.00}.…
TIMELINE OF EVENTS - PROOF OF IMPROPER SERVICE : XX/XX/XXXX : According to XXXXXXXX XXXX XXXXXX/XX/XXXX filing, a judgment was entered against me on this date. I have NO recollection of receiving any notice of court proceedings in XX/XX/XXXX. I never appeared in court, was never properly served, and had no knowledge this judgment existed until I received XXXXXXXX XXXX XXXXXX/XX/XXXX letter. XX/XX/XXXX was the first I wrote back to XXXX XXXX XXXX XXXX requesting all documents with my name and signatures on it. On XX/XX/XXXX I received the same 17 questionnaire from XXXX again but they never sent me the requested forms Ive asked for, that including me opening the account, and everything else I asked for proving me. XX/XX/XXXX : Court notice mailed regarding wage garnishment hearing scheduled for XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX : Wage garnishment hearing held remotely before XXXX XXXX XXXX XXXX. I did NOT attend because I had not yet received notice of this hearing.…
b'On XXXX XXXX XXXX I submitted a written Billing Error Notice to\nCapital One pursuant to the Fair Credit Billing Act ("FCBA"),\n15 U.S.C. 1666, and Regulation Z, 12 C.F.R. 1026.13. The\nnotice was sent via USPS Priority Mail with Delivery Confirmation\n(TrackingXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The notice disputed the\nfull New Balance of XXXX on my XXXX XXXX XXXX statement,\nincluding: (1) a Past Due Fee of XXXX (2) an Interest Charge\nof XXXX as a computational error under 15 U.S.C. 1666(b)(5);\n(3) the Previous Balance of XXXX with itemization requested;\nand (4) the derivative New Balance of XXXX\n\nThe notice also raised a specific question under U.C.C. 1-201(b)(10)\nand 12 C.F.R. 1026.5(a)(1) regarding Capital One\'s application of\nbold, capitalized formatting to the payment warnings on the statement\nwhile presenting the underlying interest obligation the formula that\ngenerates the disputed charge in standard body text.…
In XX/XX/year>, after a demand letter was sent by counsel regarding unresolved fraudulent charges totaling approximately {$35000.00}, Capital One took new action on my business credit card account. Shortly after that demand, Capital One placed the account into what was described as a cease and desist status. While the account remains open and usable for transactions, key benefits have been restricted. Specifically, I am no longer able to transfer rewards points directly to transfer partners or receive points into the account. Since that time, I have continued to actively use the card, accrue rewards points, and pay the balance in full each month. Despite this, the points earned can not be used as intended. The only available workaround is transferring points through a separate personal account, which reduces the value and functionality of the product. Capital One has not provided a clear explanation or contractual basis for these restrictions.…
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against XXXX Card Failure to Conduct Reasonable Investigation and Improper Denial of Fraud Dispute To Whom It May Concern : I am filing this complaint against Discover Financial Services XXXX regarding its improper handling and denial of a credit card dispute involving a fraudulent transaction in the amount of {$310.00}. A dispute was filed with them after XXXX improperly ruled in favor the seller, although they were also provided with proof that the merchandise was not received by me. With regard to XXXX involvement in the matter, I believe they failed to comply with its legal obligations under the Fair Credit Billing Act ( FCBA ) by not conducting a reasonable investigation and by issuing a decision that ignores substantial documented evidence of fraud. Summary of XXXX XXXX This dispute involves a multi-party fraud scheme tied to an XXXX seller and compromised consumer data.…
I requested a stop payment on a check that was accidentally deposited while I was depositing my business checks in another account and had a check to deposit into my personal account and the checks were mixed up. I told the representative what happened why I need to place to stop check. They said it would be fine. The account will be protected during the investigation process and then come to find out. They put it in for a fraud in which I was found not to commit fraud, and the account was unfortunately closed, but they were told I would be able to open an account because the account was closed in good standing in which Capital One did not honor and reported to check systems as a negative account!
This complaint is a follow-up to CFPB case XXXX, which was closed without resolution. The issue remains unresolved and has now resulted in credit damage. Since XX/XX/year>, we have repeatedly contacted Capital One regarding an account access issue caused by incorrect contact information tied to our account. A phone number and email on file do not belong to us, which prevents us from logging in, receiving verification codes, or updating our information. Despite verifying identity multiple times and contacting multiple departments, including auto loan servicing, credit card, technical support, web support, and the XXXX XXXX XXXX XXXX, no department has been able to correct the issue. Each department either stated they could not assist or transferred us to another department, resulting in a continuous loop with no resolution. During recent calls, representatives confirmed that the contact information on the account does not match ours, yet they are unable to update it.…
Formal Dispute Under 15 U.S.C. 1681 Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit file regarding the following account : Creditor : Capital One This account reflects a negative status and closure that I believe is inaccurate and does not fairly represent my payment history or conduct as a consumer. According to my records, I made what I believed to be my final payment on this account in XX/XX/year>. At no point was I made clearly aware of a remaining balance of approximately {$7.00} in interest, nor the subsequent minor accrual of approximately {$0.00}. This residual amount appears to have resulted from trailing interest rather than any missed or late payment. I have maintained a consistent and positive payment history on this account and have never been late.…
Capital One claims without a doubt that I owe {$1300.00} dollars to XXXX XXXX from XX/XX/year> unauthorized transaction because I did not report my card stolen at the time and have since made other purchases with said card. I asked for proof or details of this transaction and Capital One keeps telling me to contact XXXX XXXX which is effectively no longer in business in XXXX XXXX XXXX all their brick and mortar locations are closed and their corporate warehouse here in XXXX XXXX XXXX has been vacated, all their phone lines and e-mails are unresponsive for the past month of attempts.
On XX/XX/year> my checking and savings account were frozen and my account was closed. For no reason to my knowledge. I have been told two different things after calling to gain access to my account. One was being that I had a dispute pending, I asked for that to be canceled, then the rep tells me after being on hold that I have to wait for my pending transaction to clear. If I still had access to my account me withdrawing money wouldnt be an issue. I strongly believe that they closed my account and froze my money was to due to the dispute and them collecting XXXX $ on XX/XX/year> out of my account. I had pushed back against that being as though they had an overwhelming amount of evidence supporting my claim of the company committing fraud. I am suffering mentally and emotionally behind them freezing my account. My rent, and other bills are not going to be paid because of this. All I ask is for my money to be released from my checking and savings account.
I am filing a complaint regarding Capital Ones mishandling of a billing dispute. On XX/XX/year>, I was charged for a hotel reservation booked through a XXXX-party platform ( Super.com ) for a specific room category : XXXX XXXX XXXXXXXX XXXX XXXX However, the hotel later confirmed in writing that the reservation was actually made for a different and lower category room : XXXX XXXX XXXX. This confirms that the service provided did not match what was purchased. I submitted documentation to Capital One including : Written confirmation from the hotel showing the room category mismatch Pricing information demonstrating the value difference between the categories Supporting communication related to the reservation Despite this evidence, Capital One denied the dispute on the basis that service was provided, without addressing that the service provided was not the service that was purchased. This is not a dispute about a refund, cancellation, or credit voucher.…
Discover XXXX XXXX : XXXX I dropped off my car at XXXX service on XX/XX/XXXX for an airbag light that comes on when the car is started. I was told it would be ready by XX/XX/XXXX and was provided an estimate. On XX/XX/XXXX, the estimate changed and they requested one more week. Then the estimate changed again and they requested another week. After 3 weeks, I sent a letter to XXXX on XX/XX/XXXX letting them know I would give them one more week, but I needed the car ready by XX/XX/XXXX, which would be almost one month since I dropped it off. On XX/XX/XXXX ( the deadline we set ), I was called by XXXX from XXXX, who stated my car was fixed, the airbag light was off, and the codes were cleared. I requested a video from XXXX showing the dashboard was clear of any warnings when the car was on before I picked it up, but I was told he would show me when I arrived. Upon arrival, the story changed to : payment must be collected first ( See attached ). I paid, and they handed me the keys.…
I had a checking account with Capital One Bank that I opened in XXXX. The account became inactive for the last XXXX years because the local branch in my area closed, and I moved my primary banking to another institution while keeping the Capital One account. I tried to get information about the account, including whether it was closed properly, the disposition of any funds, or if it was sent to the state unclaimed property office. I have documentation proving the account existed, including original account opening documents and a checkbook with my name and the account information. Despite providing this evidence, Capital One has told me they have no record of the account. I have also checked the XXXX XXXX XXXX unclaimed funds database and found no funds under my name. The estimated balance of this account is between {$10000.00} and {$12000.00}.…
I am writing to formally file a complaint against Capital One regarding their handling of a dispute involving a third-party hotel booking company, XXXX. I used my Capital One credit card for this {$110.00} transaction with the expectation of being protected from fraudulent or misleading business practices. Unfortunately, that protection was not provided. Due to a severe snowstorm, I contacted XXXX and was clearly and verbally promised a full refund for my booking. I relied on this promise in good faith. However, the company failed to issue the refund as promised and did not follow through on their commitment. After multiple follow-ups, the company instead provided me with a replacement code to use for a future booking. This code did not work despite repeated attempts over several months. Each time I contacted them, I was either ignored or given misleading responses.…
I am submitting a complaint regarding the restriction placed on my bank account and the lack of clear resolution. My account was suddenly restricted due to an investigation after I made normal money transfers to trusted family members and individuals I regularly send money to. These are legitimate personal transactions and part of my usual banking activity. I was informed that the issue may be related to multiple device replacements over the past few months due to my phone being broken and needing repairs or replacements. Despite explaining this, my account has been escalated to an investigation team, and I have not received a clear explanation, timeline, or resolution. My account access to sending and receiving money has been restricted, and I currently have approximately {$5000.00} in funds that I can not access. This situation is especially urgent because I will be leaving the country in a few days and I need access to my funds for travel and essential expenses.…
I attended to deposit {$1800.00} at an ATM on XX/XX/year> at the XXXX XXXX branch around XXXX pm and the ATM kept my deposit and returned {$20.00} without a receipt. I went and spoke to a teller about the issue, he gave me a buisness card and told me to call the number on it, turned and walked away and locked the door, Then he called the police, I then called the police myself. When the police showed up I was told that they were told that I was attending to XXXX the bank which wasnt true, the ATM robbed me. I was then told by the police that I was longer allowed to bank at this particular branch. I did nothing wrong. I wasnt given any help. As the staff laughed about the situation. Other customers leaving the bank told me it was because XXXX XXXX.
I am filing a complaint regarding Capital One closing my credit account and reporting negative information to my credit report due to a payment that did not process because of a bank connection issue. This was not a refusal to pay and I made multiple attempts to resolve the issue before the account was closed on XX/XX/year> I even attempted to have Capital One and my bank communicate directly to resolve the issue, but due to their policies they refused. The account was then closed without giving me a fair opportunity to resolve the payment issue, and now the account is being reported negatively on my credit report which is affecting my credit score. I am requesting that Capital One correct the reporting on my credit report and remove any negative marks associated with this account because this situation was due to a payment processing issue, not non-payment or account neglect. I am seeking correction of my credit report and a fair resolution to this matter.
On XX/XX/year>, I initiated a purchase from XXXX XXXX XXXX but immediately realized the service was not usable or desired and attempted to cancel right away. During this cancellation process, I was charged a second time for the same service. These charges were not intentional completed purchases, but the result of a failed cancellation process. I contacted my credit card issuer immediately and was instructed to allow the charges to post before disputing them, which I did in good faith. The merchant is not reachable using the provided contact information, preventing any direct resolution. Despite this, my dispute was denied based solely on authorization, without evaluating whether these transactions constituted duplicate or erroneous charges. No evidence has been provided that I used or accessed the service. Both charges stem from the same failed cancellation event and do not represent intentional or completed purchases.
am writing to formally file a complaint regarding the recent restriction placed on my account. I was informed that my account has been restricted and that additional documentation is required. However, I find this action both confusing and frustrating, as I already have an established relationship with Capital One, including an active debit account and a XXXX credit card in good standing. Given this existing history, I do not understand why my account has been restricted without clear explanation, nor why further verification is being requested at this stage. This situation has caused unnecessary inconvenience and has disrupted my ability to access and manage my finances. I respectfully request the following : A clear explanation of why my account was restricted Specific details on what documentation is required and why A prompt review and resolution of this matter I value my relationship with Capital One and expect a reasonable level of transparency and fairness.…
Issue : Credit card company denied a dispute without providing sufficient information to identify or verify the merchant. What happened : I disputed a {$56.00} charge dated XX/XX/year> described as Vehicle Registration XXXX XXXX, AL. The issuer denied the dispute solely on the basis that it was a chip transaction and asserted that I benefitted from the transaction. However, they failed to provide the merchants identity, location, or any documentation tying the charge to me. The only available phone number corresponds to a different jurisdiction, and the merchant can not be identified or contacted. Why this is a problem : A chip transaction does not prove authorization. Without merchant identification or supporting documentation, I can not verify or resolve the charge. The issuers investigation is incomplete and lacks sufficient evidence.…
I am filing a complaint regarding an unresolved unauthorized charge on my credit card processed by XXXX for services billed by XXXX. On XX/XX/year>, I was charged approximately {$200.00} by FedEx for duty and tax charges related to an international shipment. I did not authorize, initiate, or receive this shipment. The shipment originated in California and was delivered to XXXX, and both the sender and recipient names and addresses are not associated with me. Upon discovering the charge, I immediately disputed it with Discover. I also contacted XXXX directly multiple times via email and phone to investigate the matter. XXXX did not provide timely support or resolution during my initial outreach.…
My debit card information was stolen and added to XXXX XXXX without my authorization. I did not approve the XXXX XXXX setup or any transactions made with my card through that digital wallet. After I discovered the unauthorized activity, I contacted the bank and reported the fraud. I asked the bank to block the card, disable the XXXX XXXX token or digital wallet access, investigate the unauthorized transactions, and refund the money taken from my account. I am filing this complaint because my account was compromised and I need the bank to correct the issue and restore my funds.
I was denied for a credit card application which I haven't experienced since the XXXX. I reviewed the denial letter and stated that I have a credit score of XXXX, perfect payment history and I had only applied for XXXX card in the past XXXX months. I asked for a reconsideration and they said it would hit my credit again. When I asked what they would do differently this time around I was unable to get any specifics from the rep. I said it doesn't make sense to reconsider if they are just going to run my application through their systems the exact same way. Rep said it was too late. I asked if someone could tell me what all that means and the rep had XXXX answers, XXXX accountability and refused to transfer me to someone with answers.
My Capital One Bank XXXX XXXX XXXX credit card ending in XXXX has been restricted due to identity verification issues. When Capital One Bank first opened up my account I sent Capital One Bank documents for verification of my identity and Capital One Bsnk approved my application for the Capital One Bank XXXX XXXX XXXX. Now Capital One is requesting once again, that I send identification documents to verify my identity, in order for Capital One Bank to remove the restrictive status from my Capital One Bank XXXX XXXX account. I received a letter from Capital One Bank requesting a call back to confirm that I applied for the account. I have called Capital One Bank numerous times to inform Capital One Bank that I applied for the account, theres no fraud on the account, no one has used my personal information to apply for the account, and I am not a victim of identity theft, concerning my account with Capital One Bank.…
CapitalOne Case ID : XXXX I am requesting assistance with a Capital One credit card account that has been locked for over a month due to identity verification issues. My account contains approximately XXXX XXXX XXXX rewards points, and I am currently unable to access or use them. Capital One requested identity verification, and I have fully cooperated by submitting multiple forms of identification, including : My drivers license ( multiple submissions, including a newly issued replacement after my original drivers license was damaged ) My passport ( Uploaded in Secure Link and PDF Sent in Mail ) My Social Security card ( Copy Sent in Mail to Fraud Department ) Despite these efforts, my verification continues to fail, and I have been told that no further information can be provided and that my account will remain locked. I understand that my original drivers license was damaged and may have caused this to fail.…
I applied for a Capital One Spark credit card ( XXXX ID : XXXX ) in XX/XX/XXXX. I have called at least five times to find out the outcome. Every time, the Customer Service Rep tells me : 1. My application was denied. 2. They can not give me the reason on the phone. 3. I need to login online. Every time, they walk me through the process and I always get an error message that my account is locked. I let them know that I can not log in and read the error message. 4. I request a written letter explaining why my application was denied. After over 4 months, I have never received a letter explaining why my application was denied. I have had a XXXX XXXX XXXX over XXXX since XXXX Scores were developed in XXXX. Also, I have had a Capital One credit card for many years with no late payments. I am attaching the email note showing that my application was complete with all requested documents on XX/XX/XXXX. I have had no other communication that any information was missing.
We keep receiving offers from Capital One and the way they promote and market their product leads one to believe that you are going to get approved. This has happened several times and have cause our credit score to go down. Capital one is making fake offers to lower credit scores. My wife received another offer today. We would like you to place a restraining order on Capital One. We have frozen our XXXX XXXX credit reports essentially locking them out.
I contacted several companies asking for my consent where I asked them to continue to run my credit for something. Nobody responded to me about this therefore I have inquiries on my credit report thats never seeming to come off instead more and more is added. I will like this to be removed my credit profile immediately
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