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CAPITAL ONE FINANCIAL CORPORATION Complaints

bank
● Near baseline

Capital One Financial Corporation is a bank holding company best known for credit cards, auto loans, and retail and commercial banking, headquartered in McLean, Virginia. It was founded in 1994 by Richard Fairbank and Nigel Morris, and in May 2025 it completed its acquisition of Discover Financial Services, merging Discover Bank into Capital One, National Association.

Contact

1680 Capital One Drive, McLean, VA 22102-3491

CAPITAL ONE FINANCIAL CORPORATION recorded 769 complaints this week, compared with an 8-week baseline average of 701.1 per week. This is 1.1x its own 8-week baseline, a status labeled Near baseline. Top complaint products this week were Credit card (371), Credit reporting or other personal consumer reports (214), and Checking or savings account (89). It ranked 2 of 14 among banks by spike ratio, compared with an average spike ratio of 0.9 across all tracked banks this week.

This week
769
8-week baseline avg/wk
701.1
Spike ratio
1.1x
Rank vs. category peers
2 of 14

Category average spike ratio this week (banks): 0.9x — see the full category ranking.

12-week complaint volume

Week 1 of 12: 676 Week 2 of 12: 705 Week 3 of 12: 700 Week 4 of 12: 724 Week 5 of 12: 636 Week 6 of 12: 683 Week 7 of 12: 779 Week 8 of 12: 699 Week 9 of 12: 733 Week 10 of 12: 682 Week 11 of 12: 695 Week 12 of 12: 769

Week ending 2026-06-09 through 2026-08-25 (14-day lag buffer applied).

Top complaint products this week

Responsiveness & resolution this week

Answered on time
Public response rate

No resolution-outcome data for this week — check back after the next build.

"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.

What customers are saying

500 narratives, 2026-06-01 to 2026-06-30 (narrative text lags ~70 days behind the base complaint record — see How it works). Word size = relative frequency (square-root scaled, so no single word dominates).

creditcarddisputepaymentyearinformationmerchantprovidedocumentationreceivedreportingrequestcomplaintfundschargeclosedprovidedbalancetimerefundnumberchecktransactionmadereportcanaccountscallinvestigationregardingserviceissueevidencefraudcustomerreviewwithoutduerequestedclaim
Exact counts
#WordMentions
1credit849
2card560
3dispute492
4payment427
5year422
6information387
7merchant336
8provide284
9documentation277
10received264
11reporting250
12request247
13complaint240
14funds222
15charge219
16closed219
17provided214
18balance211
19time206
20refund205
21number205
22check205
23transaction201
24made200
25report195
26can194
27accounts194
28call189
29investigation189
30regarding187
31service187
32issue184
33evidence183
34fraud183
35customer182
36review176
37without174
38due173
39requested171
40claim170

Where complaints go: product → issue → outcome

Last 90 days, 9,087 complaints. Two stages shown separately (not joined into one three-way table) because the issue→outcome counts are already combined across every product sharing that issue — see How it works.

Product → Issue

ProductIssueComplaints
Credit cardOther2,006
Credit reporting or other personal consumer reportsIncorrect information on your report1,482
Credit cardProblem with a purchase shown on your statement1,265
Checking or savings accountManaging an account719
Credit reporting or other personal consumer reportsOther572
Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problem548
Credit cardOther features, terms, or problems502
OtherOther487
Debt collectionTook or threatened to take negative or legal action428
Debt collectionAttempts to collect debt not owed331
Debt collectionOther315
Checking or savings accountOther267
Checking or savings accountClosing an account165

Issue → Company response

IssueResponseComplaints
OtherOther3,647
Incorrect information on your reportClosed with explanation1,218
Problem with a purchase shown on your statementClosed with explanation910
Managing an accountClosed with explanation616
Problem with a company's investigation into an existing problemClosed with explanation484
Took or threatened to take negative or legal actionClosed with explanation390
Other features, terms, or problemsClosed with explanation314
Attempts to collect debt not owedClosed with explanation237
Problem with a purchase shown on your statementClosed with monetary relief207
Incorrect information on your reportClosed with non-monetary relief157
Closing an accountClosed with explanation146
Problem with a purchase shown on your statementIn progress112
Incorrect information on your reportIn progress105
Other features, terms, or problemsClosed with monetary relief97
Attempts to collect debt not owedClosed with non-monetary relief68
Other features, terms, or problemsIn progress49
Managing an accountIn progress44
Other features, terms, or problemsOther42
Problem with a purchase shown on your statementOther36
Problem with a company's investigation into an existing problemClosed with non-monetary relief34
Managing an accountClosed with non-monetary relief34
Problem with a company's investigation into an existing problemIn progress29
Took or threatened to take negative or legal actionClosed with non-monetary relief29
Attempts to collect debt not owedIn progress26
Managing an accountOther25
Closing an accountClosed with non-monetary relief12
Took or threatened to take negative or legal actionIn progress8
Closing an accountClosed with monetary relief4
Closing an accountOther3
Incorrect information on your reportOther2
Problem with a company's investigation into an existing problemOther1
Took or threatened to take negative or legal actionOther1