CAPITAL ONE FINANCIAL CORPORATION Complaints
bankCapital 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.
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.
Category average spike ratio this week (banks): 0.9x — see the full category ranking.
12-week complaint volume
Week ending 2026-06-09 through 2026-08-25 (14-day lag buffer applied).
Top complaint products this week
Responsiveness & resolution this week
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).
Exact counts
| # | Word | Mentions |
|---|---|---|
| 1 | credit | 849 |
| 2 | card | 560 |
| 3 | dispute | 492 |
| 4 | payment | 427 |
| 5 | year | 422 |
| 6 | information | 387 |
| 7 | merchant | 336 |
| 8 | provide | 284 |
| 9 | documentation | 277 |
| 10 | received | 264 |
| 11 | reporting | 250 |
| 12 | request | 247 |
| 13 | complaint | 240 |
| 14 | funds | 222 |
| 15 | charge | 219 |
| 16 | closed | 219 |
| 17 | provided | 214 |
| 18 | balance | 211 |
| 19 | time | 206 |
| 20 | refund | 205 |
| 21 | number | 205 |
| 22 | check | 205 |
| 23 | transaction | 201 |
| 24 | made | 200 |
| 25 | report | 195 |
| 26 | can | 194 |
| 27 | accounts | 194 |
| 28 | call | 189 |
| 29 | investigation | 189 |
| 30 | regarding | 187 |
| 31 | service | 187 |
| 32 | issue | 184 |
| 33 | evidence | 183 |
| 34 | fraud | 183 |
| 35 | customer | 182 |
| 36 | review | 176 |
| 37 | without | 174 |
| 38 | due | 173 |
| 39 | requested | 171 |
| 40 | claim | 170 |
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
| Product | Issue | Complaints |
|---|---|---|
| Credit card | Other | 2,006 |
| Credit reporting or other personal consumer reports | Incorrect information on your report | 1,482 |
| Credit card | Problem with a purchase shown on your statement | 1,265 |
| Checking or savings account | Managing an account | 719 |
| Credit reporting or other personal consumer reports | Other | 572 |
| Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | 548 |
| Credit card | Other features, terms, or problems | 502 |
| Other | Other | 487 |
| Debt collection | Took or threatened to take negative or legal action | 428 |
| Debt collection | Attempts to collect debt not owed | 331 |
| Debt collection | Other | 315 |
| Checking or savings account | Other | 267 |
| Checking or savings account | Closing an account | 165 |
Issue → Company response
| Issue | Response | Complaints |
|---|---|---|
| Other | Other | 3,647 |
| Incorrect information on your report | Closed with explanation | 1,218 |
| Problem with a purchase shown on your statement | Closed with explanation | 910 |
| Managing an account | Closed with explanation | 616 |
| Problem with a company's investigation into an existing problem | Closed with explanation | 484 |
| Took or threatened to take negative or legal action | Closed with explanation | 390 |
| Other features, terms, or problems | Closed with explanation | 314 |
| Attempts to collect debt not owed | Closed with explanation | 237 |
| Problem with a purchase shown on your statement | Closed with monetary relief | 207 |
| Incorrect information on your report | Closed with non-monetary relief | 157 |
| Closing an account | Closed with explanation | 146 |
| Problem with a purchase shown on your statement | In progress | 112 |
| Incorrect information on your report | In progress | 105 |
| Other features, terms, or problems | Closed with monetary relief | 97 |
| Attempts to collect debt not owed | Closed with non-monetary relief | 68 |
| Other features, terms, or problems | In progress | 49 |
| Managing an account | In progress | 44 |
| Other features, terms, or problems | Other | 42 |
| Problem with a purchase shown on your statement | Other | 36 |
| Problem with a company's investigation into an existing problem | Closed with non-monetary relief | 34 |
| Managing an account | Closed with non-monetary relief | 34 |
| Problem with a company's investigation into an existing problem | In progress | 29 |
| Took or threatened to take negative or legal action | Closed with non-monetary relief | 29 |
| Attempts to collect debt not owed | In progress | 26 |
| Managing an account | Other | 25 |
| Closing an account | Closed with non-monetary relief | 12 |
| Took or threatened to take negative or legal action | In progress | 8 |
| Closing an account | Closed with monetary relief | 4 |
| Closing an account | Other | 3 |
| Incorrect information on your report | Other | 2 |
| Problem with a company's investigation into an existing problem | Other | 1 |
| Took or threatened to take negative or legal action | Other | 1 |