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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:
$172,188.00

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

140 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
139	Unanswered

140 complaints against Capital One Credit

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2/26/2026

RESPONSE: Complaint was not answered Amount in Dispute: $86.00 Amount Settled: $0.00

Customer Complaint

2/2/2026

The situation is this ,got behind on a capitol one credit card payments ,called them last year to try to fix it ,the lady I spoke with said the balance the balance then was 86.75 so I sent them 100.00 money order that said they got in 2024,so still trying to fix my credit call ed them again to explain what was discussed so now they say it is another debt collector and they are wanting me to pay another 86.00 and they said they won't report to the credit bureau until this eight six dollars is paid in full. Resolution Sought Remove this debt from my credit report so I can get my credit raised.and report to the credit bureau

2/24/2026

RESPONSE: Complaint was not answered Amount in Dispute: $2,000.00 Amount Settled: $0.00

Customer Complaint

1/29/2026

I am filing this complaint against Capital One for failure to resolve an identity-theft issue that has resulted in restricted account access and withheld funds, with no clear resolution timeframe. Capital One has stated that a fraudulent account was opened using my identity around 2010. I did not open this account and have no involvement in any fraudulent activity. This issue was never permanently resolved and continues to affect me. Since December 2025, my account has been repeatedly restricted due to this old fraud record. Throughout January and February 2026, Capital One has failed to provide a concrete timeline for resolution and has relied on vague explanations such as "complex case" and "legacy systems." I was recently told the matter could take up to 12 months. I have not received a written determination, identity-theft clearance letter, or confirmation of non-liability. My funds remain inaccessible, causing ongoing financial harm and distress. I am seeking assistance to obtain a documented and timely resolution Resolution Sought I am requesting that Capital One provide a written identity-theft clearance letter, permanently disassociate my identity from the fraudulent account, restore full access to my funds, and provide written confirmation that I am not liable for any fraudulent activity.

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