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Capital One Credit complaints

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PO Box 85699
Richmond, VA 23285-5699 | Get Directions

(800) 955-7070

http://www.capitalone.com

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Total Amount in Dispute:
$199,249.00

Total Amount Settled:
$0.00

Complaint Experience

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows that the company responded to and gave proper consideration to some complaints. However, most complaints are unresolved meaning the company failed to properly address the complaint allegations or their response was inadequate.

Complaint Closing Statistics

164 complaints against Capital One Credit closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
163	Unanswered

164 complaints against Capital One Credit

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9/4/2025

RESPONSE: Complaint was not answered Amount in Dispute: $41.42 Amount Settled: $0.00

Customer Complaint

8/11/2025

Subject: Complaint Against Capital One for Unjust Reporting to Credit Agencies I am writing to file a complaint against Capital One regarding an issue that has negatively impacted my credit score. After paying off my Capital One credit card in full, I was unexpectedly charged additional assessment fees. Because I was enrolled in paperless billing, I did not receive any paper statements, nor did I receive any email notifications about these charges. When I contacted Capital One, they stated that they could not send details via email due to privacy concerns, which I found inconsistent, as I regularly receive my bank statements via email. As a result of not being properly informed, the outstanding balance of approximately $42 went unpaid, and my account was reported to credit agencies as delinquent for two months. I feel that this lack of notification and transparency is a dishonest practice. Although Capital One has since waived the fees and I have closed the account, the negative mark remains on my credit report, which I believe is unjust. I am seeking the removal of this negative mark from my credit report to restore my credit standing. Thank you for your attention to this matter. Resolution Sought Have the negative impact removed from my credit report; boarder-line nefarious practice.

9/3/2025

RESPONSE: Complaint was not answered Amount in Dispute: $138.60 Amount Settled: $0.00

Customer Complaint

8/8/2025

Capital one changed my card to discover and now I can use my card as normal . My account with Afterpay and other places I have used for years can't be paid because my card when put in is saying invalid card number . O have spoken with someone with capital one . The representative only response was I'm sorry I will report it . Meanwhile my auto payments won't go through! Resolution Sought Fix my card so I can uphold my payments on time like I have done for years.

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