Capital One

XX/XX/year>, I filed a dispute with XXXX XXXX regarding a transaction involving merchant XXXX XXXX in the amount of {$120.00} ( Case Number : XXXX ). Prior to filing the dispute, I made repeated attempts to contact the merchant through email, which appeared to be the only available method of communication. Despite at least five separate attempts, the merchant failed to respond. In XX/XX/year>, I contacted XXXX Dispute Resolution Department by phone and spoke with a representative identified as XXXX. I requested her employee identification number ; however, she informed me that XXXX representatives do not provide employee IDs. During the call, I followed up regarding my dispute for merchandise that I never received. XXXX informed me that XXXX had ruled in favor of the merchant. I explained that I never took possession of the merchandise and that there is no reliable evidence demonstrating delivery to my residence.…

I have experienced repeated fraud holds, account restrictions, and verification problems with multiple Capital One credit card accounts. My Capital One Cabelas card ending in XXXX was repeatedly blocked during legitimate purchases, requiring multiple calls with Capital Ones fraud department. I successfully completed identity verification and uploaded my identification documents more than five times at Capital Ones request. After resolving those issues, I later opened a Capital One Savor account. Shortly afterward, a legitimate purchase attempt involving a family member triggered another fraud alert. Before I was even allowed to finish pressing Yes, I recognize this charge and complete the verification process, I received another message stating that my card was already restricted and that I needed to call for a replacement card. This made the verification process appear ineffective and predetermined rather than a meaningful opportunity to confirm legitimate activity.…

Capital One failed to respond to a Round 1 FCRA dispute delivered via certified mail on XX/XX/year> ( XXXX pieces, both signed " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ). The XXXX statutory response window expired XX/XX/year> with no substantive written response received. Fresh credit reports pulled XX/XX/year> reveal an active cross-bureau balance inconsistency for this account : XXXX reports {$980.00} while Equifax and TransUnion both report {$1000.00} ( both updated XX/XX/year> ). All three balances exceed the {$800.00} credit limit, reporting an overlimit condition based on figures that are internally inconsistent across bureaus. Capital One updated XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> following the dispute without providing any written response to the consumer.…

XX/XX/XXXX : agreed with XXXX XXXX ( XXXX ) to purchase $ XXXX furniture, including terms to get 10 % cash back if I open Capitol One ( C1 ) card. Submitted Capitol one application. approved by Capitol One for $ XXXX. XX/XX/XXXX : Submitted verbal request to C1 via phone for increase to $ XXXX, to enable original net cost agreement with XXXX. C1 requested specifics docs. XX/XX/XXXX : provided C1 all requested docs. XX/XX/XXXX. C1 email declined my request stating unable to verify income. Per their request, I submitted all requested docs. I receive additional income outside of those docs. The docs provided, along with my credit score should enable approval. If they need more income verification, they should request more docs. If they want to process request on, y with verified income, they should do that. Declining based on their own process gaps, and not providing specific reasons is discriminatory. XX/XX/XXXX : called C1 asking for specifics.…

This morning, XX/XX/XXXX, I attempted to make a payment by phone and was directly transferred to the fraud protection division of Capital One Bank. This is the EXACT same thing that happened to my XXXX XXXX last year ( Complaint # XXXX and Complaint # XXXX ) with the same card/account I've had since around XXXX. My account is frozen AGAIN. When calling to make a payment, after entering information to access my account, I was directly transferred to fraud protection. Same as last year, I can get no questions answered. They will not email a code, they now will not even text a code to my phone... I'm told I need another phone. Realize, I'm calling them on my landline which is easy to ID and holding my cell phone in my hand while they tell me I need a third phone... this is absurd and unacceptable. My phone, my cell phone, my email is all worthless to them - even thought none of those have changed either for XXXX years. I asked what if I was attempting to pay off the entire balance?…

I am operating an XXXX business account and Capital One is my business banking provider. I am being charged double what XXXX should be charging and after over a week of investigating, Capital One accepted responsibility for coding the charge that remains pending for over a week incorrectly. This pending charge is duplicative and XXXX has no record of this charge. When I called Capital One I was informed that this case would take a month to resolve. Now I am over a XXXX XXXX negative in my account with no capital and no means of conducting business for one month. When I escalate things with capital one I am told that no more information can be provided to me and that my request to speak to someone will be added to the case. However, I can not speak to someone today and I will have to wait the 30 days for this to be resolved.

On XX/XX/XXXX, I initiated multiple linked credit card disputes against a XXXX, XXXX XXXX XXXX, who breached a residential construction contract and abandoned the project. Under XXXX XXXX regulations for future-performance services ( Reason Code 13.3 ), the 120-day dispute window officially opened on the contractually designated completion date of XX/XX/XXXX. Logging my claims on XX/XX/XXXX placed me securely on Day 99 of 120, making the filing fully timely under network rules. Capital One N.A. has handled these identical commercial facts with egregious internal contradiction : 1. Capital One 's Spark Business Card division correctly applied the network rules, reviewed my construction estimates, and fully APPROVED my chargeback reversals 2. Conversely, on my personal XXXX XXXX consumer card, Capital One correctly processed Case No. XXXX and advanced it to merchant review.…

FORMAL DATA INTEGRITY DISPUTE : ACCOUNT LEDGER CORRUPTION & SYSTEMIC REPORTING INACCURACIES CHRONOLOGY OF EVENTS : XX/XX/XXXX : Executed a Retail Installment Contract ( Contract # XXXX ) with Capital One Auto Finance for an Amount Financed of {$21000.00} over a strict contractual 72-month term at an Annual Percentage Rate ( APR ) of 14.51 %. XX/XX/XXXXXXXX : Following a repossession, Capital Ones internal digital ledger recorded a transaction line item for liquidation asset recovery designated as " Auction Proceeds Received '' in the amount of - {$3200.00}. XX/XX/XXXXXXXX : Capital One issued a formal, physical written " Explanation of Deficiency Calculation '' statement. This mailer explicitly states that the " Proceeds from sale of Collateral '' were {$3900.00}. This creates an unreconciled, immediate {$650.00} accounting conflict between the bank 's written consumer disclosures and its internal transactional system.…

Yesterday, Wed, XX/XX/XXXX, I called to report 3 unauthorized charges to my debit card which resulted in that card being cancelled. The representative who assisted me told me to call back to order a new debit card because she wasnt able to get it ordered for me and it would be XXXX to me overnight. This morning I called to order a new card and the stupid AI IVR system ordered it for me but told me it was going to arrive in 5-10 business days. I then got a rep on the phone who told me there was no way to fix or undo the order the stupid AI IVR incorrectly placed and I would have to wait the 5-10 business days. I explained that is NOT acceptable as Discover is my ONLY active financial institution and without a working debit card I essentially have NO WAY to pay for things, including my power bill which is due soon and will shut off if it is not paid. She wasnt completely unhelpful so I demanded to speak with a supervisor who was just as unhelpful.…

I called Capital One with my XXXX phone number on XX/XX/year>, to try to login to my account and to obtain a new debit card, since my old one was canceled ( I did not cancel it, and it was not supposed to expire until XX/XX/year>XXXX ). Every method of verifying my identity that they " offer '' is the same - only through a US phone number, which I no longer have. They also refuse to send me a new card to my international address and wouldn't issue a virtual card, nor would I be able to use it, because of their discrimination against expats and travelers without US phone numbers/ SIMs. I'm stuck in XXXX, with no access to my funds, and no way to pay for anything.

I had a one-time XXXX late payment on my Capital One card due to my grandmother passing .. Ive been a customer for XXXX years with perfect history before/after. I paid the account current and made payment on my other cards to show financial responsibility. I requested a goodwill adjustment to remove the late as a one-time courtesy and was denied. Im asking CFPBs help to request Cap1 reconsider a goodwill removal given my overall history. Please. This also triggered my other cards to reduce my credit limit

Credit card was lost and money was spent off of it. After that happened I called the company and they didnt help me resolve the issue.

I am filing this complaint against Capital One regarding a serious account-balance, pending-transaction, and transaction-processing issue involving my Capital One 360 Checking account ending in XXXX. On XX/XX/year>, Capital Ones mobile account interface showed no visible pending XXXX withdrawal before I deposited funds into my account. I deposited money specifically to pay for my hotel room. Within approximately two minutes after the deposit, a {$280.00} XXXX transaction appeared/processed and consumed the funds I had deposited for lodging. My hotel payment failed, and my account was driven into a negative balance of approximately - {$210.00}. My complaint is not simply about whether XXXX claims it was owed money. My complaint is that Capital One showed me an account balance and pending-transaction screen that did not alert me to this XXXX transaction before I relied on the displayed balance and deposited funds for an immediate lodging payment.…

XXXX XXXX is furnishing an inaccurate and misleading charged-off credit card account on my credit report. The account number is XXXXXXXX XXXX XXXX XXXX XXXX. The report shows a {$970.00} balance, charge-off status, date opened XX/XX/XXXX, date closed XX/XX/XXXX, last payment allegedly made XX/XX/XXXX, and date updated XX/XX/XXXX. The estimated removal date is XX/XX/XXXX. However, the account also shows a historical high balance of {$1800.00} and a historical credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX, years after the account was allegedly closed. This is inaccurate, misleading, incomplete, and potentially re-aging or updating an old charge-off in a way that continues to damage my credit. I dispute the balance, charge-off status, date of first delinquency, last payment date, date closed, date updated, historical high balance, and credit-limit history.…

Me and my family were effected by the XXXX fire. My Wife lost her job working at XXXX XXXX XXXX and we also lost our home in the aftermath. We expressed this to Capital one at the time and during the XXXX XXXX XXXX we were victims of.

I am writing to formally file a complaint against Capital One regarding a payment dispute involving {$3500.00} that I submitted toward my secured Capital One credit card account through XXXX XXXX from my external bank account. On the date of the transaction, I authorized a payment of {$3500.00}, which after XXXX XXXX fees totaled {$3500.00} debited from my personal bank account, as confirmed by screenshots from both my bank account and my XXXX XXXX account showing the full charge. Despite this, Capital One only credited my account {$35.00}, leaving {$3400.00} completely unaccounted for. When I reported this error to Capital One, rather than investigating and correcting the mistake promptly, they froze my account and issued a temporary credit that was entirely inaccessible to me because the account was simultaneously frozen, rendering the credit useless.…

I am filing a complaint regarding Capital Ones handling of my debit card fraud claim and what I believe may be an unreasonable and inadequate investigation under Regulation E/ the Electronic Fund Transfer Act. In XX/XX/2026, unauthorized charges totaling {$670.00} were made using my debit card information. Upon discovering the fraud, I immediately locked my card and reported the unauthorized transactions to Capital One. Capital One initially issued provisional credit around XX/XX/2026, while the investigation was pending. On or around XX/XX/2026, Capital One revoked the provisional credit, closed the case, and informed me that I should contact the merchant directly regarding the disputed charges. I contacted the merchant, who informed me that car parts had been purchased and that they could not issue a refund unless the parts were returned. I explained that I did not authorize the transaction, did not purchase or receive the parts, and that this was a fraud matter.…

Formal Complaint : Capital One XXXX Date of Incident : XX/XX/year> Transaction Date : XX/XX/year> Reservation Total : {$1400.00} Total Amount Refunded : {$530.00} Cash + {$120.00} Travel Credit + XXXX Miles Additional Credit Offered ( Partial Only ) : {$200.00} Travel Credit ( accepted as partial, not final resolution ) Remaining Amount in Dispute : {$530.00} Cash Statement of Facts : On XX/XX/year>, I booked a travel reservation through the Capital One XXXX portal ( XXXX XXXX ) using the Capital One website. The total cost was {$1400.00}, paid via a combination of cash, {$250.00} in travel credits, and XXXX miles. On XX/XX/year>, at approximately XXXX XXXX EST, I accessed the Capital One website to explore options for changing the reservation dates. While reviewing the cancellation policy, I saw that canceling after XX/XX/XXXX would result in only a 50 % refund.…

Yes I get a fraudulent inquiry for Capital One XXXX email that I didn't request or say yes to a hard pull and that happened twice within a few months to me and I need this XXXX inquiry off my credit report it was fraudulent I never requested it.

XXXX on XX/XX/XXXX, I received a letter in the mail from capital one that I would be getting sent a welcoming packaging for a credit card I have never applied for. I called capital one and explained the situation and they led me to create a credit freeze for the equifax, transunion, and experian credit unions while ending with I should create a report to this website.

Unknown account from all ( 3 ) known bureaus XXXX XXXX and XXXX No address listed that belongs to me

XXXX illegally bait and switched me and stole my money. Bank is refusing to honor the clearly illegal practice and refuses to compensate.

Capital one says they protect their consumers from fraud. I had fraud debit card charges on my business debit card and they refuse to issue temporary credit even after Ive given them the police report and the person who used my cards is in jail. He also stole checks and they havent issued my money back for that either.

On approximately XX/XX/XXXX, a business credit card account was opened with Capital One in my name without my knowledge or authorization. I did not apply for this account, did not authorize anyone to apply for it on my behalf, and never received or used the card. The charges on this account, totaling approximately {$31000.00}, are the result of identity theft. I discovered the fraudulent account on approximately XX/XX/XXXX. Upon discovering it, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXXXXXX ; my FTC report number is XXXX. I contacted Capital One to report the identity theft a few weeks later. Capital One informed me that it had completed its investigation and concluded the account was not fraudulent. Capital One did not provide me with any documentation supporting this conclusion including the original application, the address, email, or phone number used to open the account, or any signature or verification records.…

On XX/XX/XXXX, I discovered that a Capital One bank account was fraudulently opened using my Social Security number and personal information without my knowledge or authorization. I am a victim of identity theft. I contacted Capital Ones fraud department the same day. During that call, I was told by a representative that I could not be provided with any information about transactions or activity on the fraudulent account because the account is listed in my name. This is unacceptable. I did not open this account, did not authorize anyone to do so, and did not benefit from it in any way. As the documented victim of identity theft, I have a right to these records under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( e ) ).

This is with regards to closed compliant XXXX I am submitting a new claim to reopen this case Dear CFPB / OCC Reviewer, I would like to formally respond to Capital Ones statement regarding my complaint. Capital Ones response materially omits key facts and incorrectly implies that I failed to provide requested information. That is not accurate. After discovering my account had been restricted without notice, I called Capital One and was instructed by an agent to upload my own financial documents and bank statements. I complied immediately and submitted all requested documents the same day. The agent informed me that the review would take approximately 710 business days and assured me my account would remain active while the review was ongoing. However, Capital One never followed up with me. I repeatedly had to proactively call back myself over multiple weeks to determine status and whether additional information was required.…

I am filing this complaint as a procedural follow-up to CFPB complaint XXXX ( Capital One, account XXXX XXXXXXXX, originally filed XX/XX/XXXX ) and to document new facts that have developed since that complaint was closed. Capital One XXXX procedural deflection on the first complaint On XXXX, Capital One responded to complaint XXXX with a status of " Authorization needed '' claiming the company needed authorization from me to proceed with the complaint. The complaint was then closed without substantive response and without an opportunity for me to submit feedback marking the response as inadequate. This response is structurally non-responsive on its face. My original complaint explicitly stated that I am an Authorized User on the account, that Capital One does not accept account-change requests from non-primary users, and that only the primary cardholder has authority to make changes.…

I am disputing unauthorized activity connected to my Capital One account. The bank is attempting to hold me responsible for transactions and/or activity that I did not authorize. Capital One requested bank statements from an outside account that I do not own or control. Because the account is not mine, I can not provide those documents. Despite explaining this, my account remains restricted and unresolved. I am requesting that Capital One conduct a reasonable investigation under the Fair Credit Billing Act and Truth in Lending Act using evidence directly connected to my actual account. I am also requesting removal of the account restriction and a written explanation of the basis for denying or delaying resolution. I believe I am being improperly held responsible for fraudulent activity that I did not commit or authorize.