Independent profile — not affiliated with Capital One

Capital One Reviews & Complaints

Capital One Financial Corporation is the McLean, Virginia bank holding company (NYSE: COF) behind Capital One credit cards, auto loans and banking, and, since May 18, 2025, Discover. This page collects Capital One's own dispute, credit bureau correction and complaint routes, the CFPB and OCC actions and class settlements found in primary documents (including the 2019 data breach, 360 Savings and affiliate-marketing settlements), BBB, Trustpilot and CFPB database figures as displayed on October 19, 2026, and 1,187 posts from this site that name Capital One itself, dated 1999 to 2025.

REVIEWS & COMPLAINTS1,187on USAComplaints · 2 in last 3 yrs
PHONE1-800-347-2683Discover card customer support
WEBSITEcapitalone.com
HEADQUARTERSMcLean, VA
PROFILE CHECKED2026-10-19
Submit a Complaint Read reviews & complaints ↓ Call 1-800-347-2683 Official website ↗
VERIFIED

Contacts

Customer service & general contact

Cancel, billing & returns

Account & login

Corporate & press

Other contacts

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Other contacts (continued)

VERIFIED

Locations

  • Headquarters1680 Capital One Drive McLean VA 22102
  • Mailing addressCapital One Disputes, P.O. Box 30279 Salt Lake City UT 84130-0279
  • Mailing addressCapital One (credit card credit bureau disputes), P.O. Box 31293 Salt Lake City UT 84131-1293
  • Mailing addressCredit Bureau Dispute (auto loans), P.O. Box 259407 Plano TX 75025-9407
EDITORIAL

Capital One disputes, credit bureau corrections, complaints and settlements: what Capital One's own pages say (checked October 6, 2026)

Capital One's own pages, opened on October 6, 2026, set out the routes below. Most posts about Capital One in this site's archive are dated 2002 to 2013 (plus one from 2019 and two from 2025), so they describe practices of those years rather than today's terms.

Phone numbers published by Capital One. The Contact Us page lists 1-800-CAPITAL (227-4825) “for servicing of existing Capital One accounts” and 1-877-383-4802 (“Not sure where to start? Call us ... so we can direct your call to the right person”). Its Feedback & complaints page says: “Call Capital One customer support at 1-844-348-8660. (Includes “Discover, by Capital One” Card Accts)” and “Call Discover customer support at 1-800-DISCOVER (1-800-347-2683).” The Contact Us page adds that for Discover accounts you should continue using the number on the back of your card. These are the numbers the company publishes today; older numbers quoted in archive posts may no longer work.

Disputing a card charge. Capital One's Help Center separates a dispute (you authorized a charge but there is a problem with the merchant, product or service) from a fraud claim (a charge you or no one on your account made). It says to contact the merchant first because “it can take up to 90 days for Capital One to resolve a dispute”; to dispute “ideally within 60 days of the statement date” (it says it “may be able to assist with your claim even if this 60-day window has passed”); and that a pending transaction “can't be disputed” until it posts. A dispute can be filed in the app or on the website, by calling the number on the back of the card, or by mail to Capital One Disputes, P.O. Box 30279, Salt Lake City, UT 84130-0279. Capital One says it “may provide a temporary credit” while the case is open, that outcomes “are based on rules set by the credit card network (Visa, Mastercard or Discover)”, and that the final message will explain how to appeal.

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Disputing information Capital One reports to the credit bureaus. The Help Center says Capital One is “required by the Fair Credit Reporting Act to conduct reasonable investigations on credit bureau disputes” and that accurate late-payment information cannot be removed on request. It lists separate mailing addresses: credit cards, P.O. Box 31293, Salt Lake City, UT 84131-1293; auto loans, Credit Bureau Dispute, P.O. Box 259407, Plano, TX 75025-9407; and, for personal loans and deposit accounts, Capital One Consumer Services, PO Box 30273, Salt Lake City, UT 84130-0273 (Equifax, TransUnion or Experian reporting) or Capital One Bank, Attn: Loss Mitigation Dept, PO Box 85026, Richmond, VA 23285 (ChexSystems and Early Warning Systems reporting). The page says Capital One will “respond within 30 days of receiving the dispute.” Disputes can also be filed with Equifax, Experian or TransUnion directly.

Disputing a debit card charge. For deposit accounts, the Help Center says to call 1-866-536-9023 (8am to 11pm ET, 7 days a week), “strongly encourage[s]” filing within 60 days after the statement, says a temporary credit may be provided within 10 business days if the claim is eligible, and says an investigation “can usually take between 90 to 120 days.”

Complaints about auto loans. The Capital One Auto Finance feedback form asks what the complaint relates to (Payments, Titles, Dealer, Credit Report or Other) and says “an agent will reach out using the contact information you provided.” Capital One Auto Finance is a different business from a dealer that arranged the loan.

Outside complaint routes. The CFPB accepts complaints about financial products at consumerfinance.gov/complaint and says “Most companies respond within 15 days.” Capital One, National Association is a national bank, and the OCC says customers of national banks can use HelpWithMyBank.gov or the OCC's Customer Assistance Group to get answers or file a complaint about a bank. State attorney general offices also take consumer complaints. Complaints sent to a regulator are the consumer's account; the regulator does not decide the dispute for you. HelpWithMyBank.gov says the OCC cannot give legal advice, “Act as a court of law or as an attorney on your behalf,” “Advocate for either party” or “Seek monetary compensation”; its Customer Assistance line is 1-800-613-6743.

Class settlements. Two large settlements are described under “Capital One consumer lawsuits and settlements” below: the 2019 data breach settlement (the claim period is closed; the settlement site says Identity Defense and restoration services run through February 13, 2028) and the 360 Savings settlement (final approval granted April 20, 2026, with an appeal pending). A proposed Canadian data breach settlement, a credit reporting settlement (Kromrey), an affiliate-marketing settlement that received final approval on September 22, 2026 and a dismissed 360 Money Market case (Arbeit) are described in the lawsuits section.

EDITORIAL

Company Information

Legal name
Capital One Financial Corporation
Founded
1994
Business type
Bank holding company (NYSE: COF) offering credit cards, auto loans, checking and savings accounts and business banking through Capital One, National Association, and, since May 2025, the Discover card and payment networks
Website
capitalone.comSource: Capital One website, checked 2026-10-06
Headquarters
McLean, VASource: Form 10-K for 2025 cover: principal executive offices, 1680 Capital One Drive, McLean, Virginia 22102, checked 2026-10-06

Capital One Financial Corporation is a Delaware corporation headquartered in McLean, Virginia, with its common stock listed on the NYSE, and it files annual and quarterly reports with the SEC (Form 10-K for 2025 filed February 19, 2026; Form 10-Q for June 30, 2026). Its principal operating subsidiary, Capital One, National Association, is a national bank regulated by the OCC, the FDIC and the CFPB according to the 10-K. BBB lists the McLean headquarters entry as BBB Accredited with an A+ rating, and the same BBB page (and BBB's Richmond headquarters profile) shows 16,876 complaints in the last three years (as displayed on October 19, 2026) and a 1.14 out of 5 customer-review average; Trustpilot shows 1.2 out of 5. The record also includes a 2012 CFPB consent order (terminated in 2016), an $80 million OCC penalty in 2020, a $190 million data breach class settlement approved in 2022, a CFPB lawsuit dismissed in 2025, a $425 million 360 Savings class settlement approved in April 2026 and under appeal, and a September 2026 final approval of an affiliate-marketing class settlement in which the order states it is not an admission of wrongdoing. This page offers no rating or verdict of its own; the sources above, each dated, let readers weigh these facts themselves.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBCapital One, McLean, VA
2,100 reviews · 16,876 complaints · BBB business grade A+ · average customer rating 1.14 / 5
CFPBCFPB database, CAPITAL ONE FINANCIAL CORPORATION
174,637 complaints
Trustpilot
4,340 reviews · average customer rating 1.2 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

1,187 complaints on USAComplaints, including 2 published in the last three years.

Show 15 more on this page
EDITORIAL

Complaint Themes

Credit card interest rate increases, fees and late feesCustomer service and call-center experienceBilling errors, payments not credited and account disputesCredit limit decreases and account closuresCollections, collection agencies and lawsuitsFraud, identity theft and unauthorized chargesAuto loans, repossession and Capital One Auto FinanceCredit reporting and credit bureau disputes

Themes summarise what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Capital One? Tell other people what happened.

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EDITORIAL

Capital One complaint record: BBB, Trustpilot, CFPB database and this site's archive

Review sites and the CFPB database, as displayed on October 19, 2026. The figures come from three different sources and are not added together.

  • BBB profile for Capital One, McLean, VA (headquarters listing): rating A+; BBB says Capital One is BBB Accredited (the page data gives March 6, 2019 as the accreditation date, May 3, 1994 as the business start date and July 27, 2018 as the date the BBB file was opened); “16,876 total complaints in the last 3 years” and “4,121 complaints filed in the last 12 months”; “Average of 2,100 Customer Reviews”, shown as 1.14 out of 5 (BBB says customer reviews are not used in the letter grade). BBB's separate Richmond, VA profile for “Capital One Financial Corporation” (Headquarters, BBB Accredited, A+; BBB's page data gives March 1, 1995 as its accreditation date, December 20, 1994 as the date that file was opened and May 3, 1994 as the business start date), which says it includes complaints for the headquarters and its corporate-owned locations, displayed the same 16,876 complaints and 4,121 filed in the last 12 months on the same day; the two BBB listings are not added together. A third BBB entry, “Capital One Bank” in Lafayette, LA, is not used here.
  • Trustpilot, “Capital One US” (claimed profile, December 2024): 1.2 out of 5 from 4,340 reviews, 1,114 of them in the last 12 months; 89 percent of ratings are 1-star and 4 percent 5-star as displayed. Trustpilot shows the notices that the company “hasn't invited customers recently, so reviews may not be representative” and that it hasn't replied to negative reviews.
  • CFPB Consumer Complaint Database, company “CAPITAL ONE FINANCIAL CORPORATION” (queried through the CFPB's public API on October 19, 2026; complaints can be added to a past date window after publication, so these totals differ from the 173,482 and 33,421 shown for the same windows on October 6, 2026): 174,637 complaints received between December 1, 2011 and October 1, 2026, and 34,576 received between October 5, 2025 and October 1, 2026. By product, the database shows 43,394 for “Credit card”, 31,002 for “Credit reporting or other personal consumer reports”, 26,578 for “Credit card or prepaid card”, 22,066 for “Credit reporting, credit repair services, or other personal consumer reports”, 20,922 for “Checking or savings account” and 18,125 for “Debt collection” (overall); in the October 5, 2025 to October 1, 2026 window the largest product groups were credit card (13,650), credit reporting (10,845), checking or savings account (4,226), debt collection (3,990) and vehicle loan or lease (1,277). Company responses overall: closed with explanation 138,541; closed with non-monetary relief 21,529; closed with monetary relief 12,198; closed without relief 1,127; closed with relief 383; in progress 681; timely response 174,549 yes and 88 no. These are complaints submitted to the CFPB and the company's recorded responses, not findings by the CFPB.

This site's own archive. As of October 19, 2026 the archive holds 1,187 approved posts whose offender field names Capital One itself (by year: 1999: 1, 2000: 10, 2001: 12, 2002: 66, 2003: 68, 2004: 121, 2005: 94, 2006: 100, 2007: 127, 2008: 221, 2009: 151, 2010: 67, 2011: 81, 2012: 51, 2013: 14, 2019: 1, 2025: 2; 1,184 of them are dated 1999 to 2013). It also holds 62 posts that name Capital One together with a collector or law firm and 29 that name it together with a partner or other business; these 1,278 linked posts in all are readers' own accounts and are unverified allegations. Archive posts were written by individuals, and the company's responses are not part of them.

Keyword counts across the 1,187 posts naming Capital One itself, run on October 19, 2026 (a post can match several; counts show which words appear, not verified facts): interest rate, APR or fees, 635 (words searched: interest rate, APR, late fee, fee, finance charge); customer service, call center, representative or supervisor, 349; billing, disputes or payments not credited, 201; credit limit or closed account, 211; collections, collector, lawsuit or sued, 242; fraud, identity theft, unauthorized or stolen, 188; auto loan, auto finance, repossess or car loan, 155; credit report, credit bureau, Equifax, Experian or TransUnion, 196.

EDITORIAL

Capital One CFPB, OCC and attorney-general actions

The actions below are listed from the primary documents opened on October 6, 2026. Orders in which a company “neither admits nor denies” the findings are not admissions, and allegations in a lawsuit are not findings.

CFPB consent order, credit card add-on products (July 2012; terminated 2016). The CFPB's Consent Order (File No. 2012-CFPB-0001) concerned Capital One Bank (USA), N.A.'s marketing of Payment Protection and Credit Monitoring products to credit card holders between August 1, 2010 and January 9, 2012. The order says: “The CFPB finds, and the Bank neither admits nor denies,” a violation of Sections 1031 and 1036 of the Consumer Financial Protection Act, and that the Bank consented “without admitting or denying the findings of fact or conclusions of law.” The CFPB's termination order, filed September 20, 2016, says the Bank had fulfilled the order, “including ... providing at least $140 million in redress to approximately 2 million affected consumers,” paid “a civil money penalty of $25 million,” and ceased marketing the add-on products. Several older posts in this site's archive mention payment protection or credit monitoring charges.

OCC civil money penalty, August 6, 2020. The OCC assessed an $80 million civil money penalty against Capital One, N.A. and Capital One Bank (USA), N.A. Its release says the action was “based on the bank's failure to establish effective risk assessment processes prior to migrating significant information technology operations to the public cloud environment and the bank's failure to correct the deficiencies in a timely manner,” that the OCC “positively considered the bank's customer notification and remediation efforts,” and that the penalty is paid to the U.S. Treasury. The Consent Order (EA 2020-036) states: “The Comptroller finds, and the Bank neither admits nor denies” the findings. The OCC's release also links a Cease and Desist Order (EA 2020-037). Capital One's 2023 proxy statement (filed March 22, 2023) says that “the OCC formally closed Capital One’s cyber-related consent order.” The proxy does not give the order number or the closing date, and the OCC's enforcement-action database could not be opened on October 19, 2026, so this page does not say which of the two 2020 orders the statement covers or when it was closed.

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CFPB lawsuit, January 14, 2025 (dismissed February 27, 2025). The CFPB's enforcement page says the Bureau sued Capital One, N.A. and Capital One Financial Corp. alleging violations of the Consumer Financial Protection Act's prohibition on deceptive and abusive acts and practices, and, as to Capital One, N.A., the Truth in Savings Act and Regulation DD. It also says: “On February 27, 2025, the Bureau filed a notice voluntarily dismissing the action against all defendants with prejudice, and the court ordered the case to be closed the same day.” The page does not describe the product in its summary.

New York Attorney General lawsuit, May 14, 2025. Capital One's Form 10-Q for June 30, 2026 says the New York Attorney General sued Capital One in the Southern District of New York “alleging a variety of causes of action under New York and federal law based on factual allegations similar to those raised in the Savings Account Litigation,” that the case was transferred to the Eastern District of Virginia on August 7, 2025, and that the December 2025 class settlement “also resolves the New York Attorney General Litigation.” See the lawsuits section for the settlement.

Orders inherited from Discover. The 2025 Form 10-K says Discover, which merged into Capital One on May 18, 2025, was a party to enforcement actions and that Capital One and Capital One, N.A. now have going-forward obligations: a December 2020 CFPB consent order about private student loan servicing practices (which “by its terms remains in effect until December 2030 for issues that occurred prior to the sale and transfer of servicing”), and an April 18, 2025 Federal Reserve consent order about the Discover “Card Product Misclassification,” which required a civil money penalty paid before closing and which Capital One “committed to satisfy.” The 10-Q says Discover reserved $1.2 billion for that matter, that a merchant class settlement received final approval on May 20, 2026, that a shareholder class action is pending after an amended complaint, and that the company is cooperating with an SEC investigation. These concern Discover's card pricing tiers for merchants, not Capital One card accounts.

EDITORIAL

Capital One consumer lawsuits and settlements

The cases below come from court documents and Capital One's SEC filings opened on October 6, 2026 and rechecked on October 19, 2026. Allegations are not findings, and a class settlement is not a court finding that a claim was true.

2019 data breach class action (settled). Capital One announced on July 29, 2019 that an outside individual gained unauthorized access to its systems in March 2019 and obtained certain personal information about people who had applied for Capital One credit card products and card customers (2025 Form 10-K). The consolidated federal case (E.D. Va., MDL No. 1:19-md-2915) ended in a class settlement with a $190 million settlement fund for a class the court described as approximately 98 million people; the court's Order and Judgment Granting Final Approval is dated September 13, 2022. The settlement website says the claim filing period is closed and that the Identity Defense Services (members who did not claim by September 30, 2022 may still enroll while the service is active, until February 13, 2028, after phoning for an enrollment code) and free Restoration Services (for all class members, even those who never made a claim) are available through February 13, 2028. In Canada, the 10-K says four putative class actions over the same incident remain, with classes certified in British Columbia and Quebec; a separate settlement site for the British Columbia action is described below.

360 Savings class action and New York Attorney General case. The 10-Q for June 30, 2026 says savings account holders sued in the Eastern District of Virginia on July 10, 2023 over the introduction of a savings product with a higher interest rate than existing savings accounts, and that the related cases were consolidated there. It says the court denied final approval of a first settlement in November 2025; that the parties reached a new settlement in December 2025 with a $425 million fund and an agreement to raise the interest rate on 360 Savings accounts to match 360 Performance Savings; and that the court granted final approval on April 20, 2026. A docket entry for an individual objector's notice of appeal shows an appeal to the Fourth Circuit filed in June 2026 (No. 26-1807). The Fourth Circuit docket copy on CourtListener, whose latest entry is dated August 11, 2026, lists briefing and other orders and no decision on the merits; RECAP copies can lag the court's own docket. Because of that appeal, this page lists the case as pending rather than concluded. The official settlement site says that effective August 4, 2026 Capital One increased the 360 Savings interest rate to match 360 Performance Savings “notwithstanding that Capital One's obligations under the Settlement Agreement have not taken effect because the Settlement's Effective Date has not occurred,” that “No Class Cash Payments will be paid unless and until the Effective Date occurs,” and that the administrator cannot estimate when class members might be paid. The class covers 360 Savings holders from September 18, 2019 through June 16, 2025; no claim form is needed, the deadline to choose electronic payment was March 30, 2026, and checks of $5 or more are mailed to the primary account holder's last known address otherwise. The settlement site lists the notice of appeal as June 18, 2026; the docket entry used here is dated June 17, 2026.

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2019 data breach, Canada (proposed settlement). The settlement website for the British Columbia class action (first notice published July 13, 2026) says the parties entered a settlement agreement that is subject to court approval; that if approved, Capital One would pay $35,000,000 (Canadian class members outside Québec who received a breach notification letter; claim forms are filed only after approval); that “Capital One does not admit and denies any wrongdoing or liability”; and that the approval hearing was set for September 22, 2026 in Vancouver (opt-out and objection deadline September 11, 2026). The hearing date has passed. As displayed on October 19, 2026 the site's latest notice (dated September 17) still described the hearing as upcoming and reported no ruling, and no court order approving or refusing the settlement was located in the sources opened that day. The site states the amount as “$35,000,000” without naming the currency, so this page does not state one.

Credit reporting class action (Kromrey v. Capital One, N.A., E.D. Va. No. 3:24-cv-575). Plaintiffs allege Capital One violated the Fair Credit Reporting Act by failing to investigate disputes by credit card holders who say they were erroneously reported as deceased to the credit reporting agencies. The settlement website says Capital One “denies the Plaintiffs' allegations and denies that Capital One is liable,” that the court “has not decided whether either side is right or wrong,” that the settlement fund is $2,400,000, and that class members need not act to receive payment; its home and key-dates text, as opened on October 6, 2026, listed a final fairness hearing on March 20, 2026 and the effective date as “To Be Determined.” On October 19, 2026 the site's Important Court Documents page lists a “Final Approval Order.” That order could not be opened (its host returned an access block), and the CourtListener docket copy ends at December 5, 2025, so the order's date and terms, and whether the settlement has taken effect, were not confirmed.

360 Money Market class action (Arbeit v. Capital One, N.A., E.D. Va. No. 3:25-cv-821, dismissed). Seven plaintiffs sued on behalf of nationwide and state classes of 360 Money Market account holders, asserting seven claims about the interest rates Capital One paid on those accounts between 2019 and 2025. In a Memorandum Opinion dated August 25, 2026 (Doc. 38), the court granted Capital One's motion to dismiss and dismissed the Amended Complaint with prejudice. The Fourth Circuit docket on CourtListener (No. 26-2317) shows a briefing order filed September 22, 2026, so an appeal has been docketed. This is a different case from the 360 Savings settlement above.

Capital One Shopping affiliate-marketing class action (In re Capital One Financial Corporation, Affiliate Marketing Litigation, E.D. Va. No. 1:25-cv-23). Online creators, publishers and other affiliates alleged that the Capital One Shopping browser extension replaced their affiliate identifiers with Capital One's own so that Capital One received the commission. The court's Final Approval Order of September 22, 2026 grants final approval of the class settlement, approves $192,636.66 in notice and administration costs to be paid by Capital One and $3,950,000 in attorney's fees and costs, and dismisses the action with prejudice. The order says it is not to be treated as an admission of the truth of any alleged fact or of any “liability, negligence, fault, or wrongdoing,” and that it becomes void if the settlement's Effective Date does not occur. The class is made up of affiliate-program participants, not shoppers.

CFPB v. Capital One, N.A. and Capital One Financial Corp. Filed January 14, 2025 and voluntarily dismissed with prejudice on February 27, 2025 (see the regulator actions section).

Other matters. The 10-Q also describes the long-running interchange fee litigation against Visa, Mastercard and issuing banks including Capital One (merchant-side antitrust claims), a lawsuit by Capital One, N.A. against the FDIC over a deposit-insurance special assessment, and, in a section on “fair access to banking,” a pending civil lawsuit by the Donald J. Trump Revocable Trust and affiliated entities. These are not consumer account disputes and are not summarized here. The 10-Q says the company's reasonably possible losses above its reserves for legal and regulatory matters are up to approximately $300 million.

PUBLIC RECORD

Court & Public Records

In re Capital One 360 Savings Account Interest Rate Litigation (class settlement; related New York Attorney General case)

Filed

U.S. District Court, E.D. Virginia (MDL)Docket No. 1:24-md-03111Source ↗

Filed — no final outcome recorded

Savings account holders alleged breach of contract and other claims over Capital One's introduction of a higher-rate savings product. The court granted final approval of a class settlement on April 20, 2026: a $425 million settlement fund and an agreement to raise the 360 Savings interest rate to match 360 Performance Savings, which also resolves the New York Attorney General's separate lawsuit (filed May 14, 2025) and the objections of the attorneys general of New York and 17 other states (Form 10-Q, June 30, 2026). An individual objector filed a notice of appeal on June 17, 2026 (Fourth Circuit No. 26-1807), so the case is listed as pending. The Fourth Circuit docket copy on CourtListener (latest entry August 11, 2026) shows briefing and other orders and no merits decision. The settlement site (October 6, 2026) says Capital One raised the 360 Savings rate effective August 4, 2026 while class payments await the Effective Date. The docket shows a Special Master to report six months after disbursement begins. The settlement is a compromise; the allegations were not decided by a court.

In re Capital One Consumer Data Security Breach Litigation (2019 cybersecurity incident; MDL No. 2915)

Settled

U.S. District Court, E.D. Virginia (Alexandria Division)Docket No. 1:19-md-2915 (AJT/JFA)Source ↗

Settled

Order and Judgment Granting Final Approval of Class Action Settlement dated September 13, 2022 (hearing September 8, 2022): a $190 million settlement fund for a class of approximately 98 million people whose information Capital One said was taken in the incident announced July 29, 2019. The settlement website says the claim filing period is closed and that Identity Defense Services (enrollment still possible until February 13, 2028 for members who did not claim by September 30, 2022) and restoration services for all class members, including those who never claimed, are available through February 13, 2028. Capital One's 2025 Form 10-K says four putative class actions in Canadian courts over the same incident remain, with classes certified in British Columbia and Quebec (see the separate Canadian settlement entry). The OCC's separate $80 million penalty is described under regulator actions.

Consumer Financial Protection Bureau v. Capital One, National Association and Capital One Financial Corporation

Dismissed

U.S. District Court, E.D. VirginiaDocket No. 1:25-cv-00061Source ↗

Dismissed

The CFPB alleged violations of the Consumer Financial Protection Act's prohibition on deceptive and abusive acts and practices and, as to Capital One, N.A., the Truth in Savings Act and Regulation DD. The CFPB's enforcement page says: “On February 27, 2025, the Bureau filed a notice voluntarily dismissing the action against all defendants with prejudice, and the court ordered the case to be closed the same day.” The allegations were not decided by a court.

Capital One 2019 Data Breach Class Action, Canada (proposed settlement)

Filed

Supreme Court of British ColumbiaSource ↗

Filed — no final outcome recorded

The official Canadian settlement website says the parties entered a settlement agreement subject to court approval under which Capital One would pay $35,000,000 (the page does not name the currency) to settle claims of Canadian class members outside Québec, and that “Capital One does not admit and denies any wrongdoing or liability.” The approval hearing was scheduled for September 22, 2026 at 800 Smithe Street, Vancouver. As displayed on October 19, 2026 the site's latest notice, dated September 17, still described the hearing as upcoming; no approval or refusal order was located that day. Claims can be made only after approval.

Kromrey v. Capital One, N.A. (credit reporting settlement)

Filed

U.S. District Court, E.D. VirginiaDocket No. 3:24-cv-575Source ↗

Filed — no final outcome recorded

Plaintiffs allege Capital One violated the Fair Credit Reporting Act by not correcting reports that certain card holders were deceased after disputes. The settlement website says Capital One denies the allegations and any liability, that the court has not decided who is right, and that the settlement fund is $2,400,000. Its text opened on October 6, 2026 listed a final fairness hearing on March 20, 2026 with the effective date still to be determined; on October 19, 2026 its Important Court Documents page lists a Final Approval Order. The order itself could not be opened and the CourtListener docket copy ends in December 2025, so the order's date and terms were not confirmed.

Arbeit v. Capital One, N.A. (360 Money Market interest rates)

Dismissed

U.S. District Court, E.D. Virginia (Richmond Division)Docket No. 3:25-cv-00821Source ↗

Dismissed

Seven plaintiffs asserted seven claims on behalf of nationwide and state classes about the interest rates Capital One paid to holders of 360 Money Market accounts between 2019 and 2025. In a Memorandum Opinion dated August 25, 2026 the court granted Capital One's motion to dismiss and dismissed the Amended Complaint with prejudice. An appeal is docketed in the Fourth Circuit (No. 26-2317; briefing order of September 22, 2026), so the dismissal is not final on appeal. The allegations were not tried.

In re Capital One Financial Corporation, Affiliate Marketing Litigation (Capital One Shopping)

Settled

U.S. District Court, E.D. Virginia (Alexandria Division)Docket No. 1:25-cv-00023Source ↗

Settled

Online creators and other affiliate-program participants alleged that the Capital One Shopping browser extension substituted Capital One's affiliate identifier for theirs to collect commissions. The court's Final Approval Order of September 22, 2026 approves the class settlement, approves $192,636.66 in notice and administration costs payable by Capital One and $3,950,000 in attorney's fees and costs, and dismisses the action with prejudice. The order states that it is not an admission of the truth of any alleged fact or of any liability, fault or wrongdoing by Capital One, and that it becomes void if the settlement's Effective Date does not occur. The class is made up of affiliate-program participants, not shoppers.

EDITORIAL

About Capital One Financial Corporation: Capital One, Discover and Brex

Who operates Capital One. The registrant is Capital One Financial Corporation, a Delaware corporation “established in 1994” and headquartered at 1680 Capital One Drive, McLean, Virginia (2025 Form 10-K, filed February 19, 2026). The filing says its principal operating subsidiary at December 31, 2025 was Capital One, National Association (“the Bank”), and that the company was “the largest issuer of credit cards in the United States” by outstanding card loan balances at that date (company statement). The same filing says the company offers debit cards, bank lending, treasury management and deposit services, auto loans and other consumer lending, through digital channels, branches, cafes, call centers and ATMs, plus card services in the U.K. (Capital One (Europe) plc) and a Canadian branch. Its common stock is listed on the NYSE.

Discover and Brex. The 10-K says that on May 18, 2025 Discover Financial Services merged into Capital One and Discover Bank merged into Capital One, N.A. Discover cards, personal loans and the Discover, PULSE and Diners Club networks are now part of the company. Capital One's Contact Us page notes that “content on this page may not apply to some Discover products” and tells Discover cardholders to use the number on the back of the card. The June 30, 2026 10-Q says Capital One completed its acquisition of Brex Inc., a business card and expense-management provider, on April 7, 2026.

Names you may see. Older regulator documents and archive posts use “Capital One Bank (USA), N.A.”, “Capital One Auto Finance” and “Capital One Services”. Capital One Auto Finance is the name on Capital One's auto loan complaint form. Capital One's Form 10-K for 2022 (filed February 24, 2023) says that on October 1, 2022 the company completed the merger of Capital One Bank (USA), National Association (COBNA) with and into Capital One, National Association, with Capital One, N.A. as the surviving entity, so COBNA no longer exists as a separate bank.

This profile covers Capital One itself. Collection agencies, law firms and marketing partners named in some archive posts are separate businesses; posts naming them together with Capital One are listed under relationships to Capital One as the creditor or partner, not as Capital One's own complaints.

VERIFIED

Company Relationships

  • Affiliated withCapital One, National Association
  • Affiliated withDiscover Financial Services
  • Affiliated withBrex Inc.
  • Affiliated withCapital One Bank (USA), National Association
EDITORIAL

Capital One or Credit One? Which company you are dealing with

Two different companies with similar names. Capital One and Credit One Bank are separate, unrelated card issuers. This page covers Capital One only; this site keeps a separate profile for Credit One Bank, N.A.

  • Legal entity and headquarters. Capital One Financial Corporation, a Delaware corporation, is headquartered at 1680 Capital One Drive, McLean, Virginia (Form 10-K for 2025, Item 1, filed with the SEC).
  • Website and phone. Capital One's own contact page, capitalone.com/help-center/contact-us/, was open on October 23, 2026 and says to call 1-877-383-4802 for general questions; the number on the back of your card is the route for an existing card account.
  • Where complaints are filed. In the CFPB consumer complaint database, a company-name lookup on October 23, 2026 for 'capital one' returns 'CAPITAL ONE FINANCIAL CORPORATION'. The same lookup for 'credit one' returns only 'Credit One LLC', and 'credit one bank' returns no entry. Complaints about Capital One cards are therefore not listed under a Credit One name, and the reverse.

Check the name printed on your statement or card agreement and the website in the address bar before you call, log in or file a complaint. Credit One's own contact details are on its profile page, not here.

CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

EDITORIAL

Frequently Asked Questions

How do I dispute a Capital One credit card charge, and how long does it take?

Capital One's Help Center says a dispute covers a charge you authorized where there is a problem with the merchant, product or service, while a fraud claim covers a charge you did not make. It recommends contacting the merchant first, filing “ideally within 60 days of the statement date,” and notes that a pending transaction “can't be disputed.” Disputes can be filed in the app or website, by calling the number on the back of the card, or by mail to Capital One Disputes, P.O. Box 30279, Salt Lake City, UT 84130-0279. The page says the process “may take up to 90 days,” that a temporary credit may be applied, that outcomes follow card network rules, and that the decision message explains how to appeal. Page checked October 6, 2026.

How do I dispute information Capital One reports to Equifax, Experian or TransUnion?

Capital One's Help Center says information it reports “must be accurate and complete,” that accurate late-payment information cannot be removed on request, and that it is “required by the Fair Credit Reporting Act to conduct reasonable investigations on credit bureau disputes.” It asks for a letter with your name, address, Capital One account numbers, Social Security number, date of birth, a description of the issue and supporting documents, and lists separate addresses: credit cards, P.O. Box 31293, Salt Lake City, UT 84131-1293; auto loans, Credit Bureau Dispute, P.O. Box 259407, Plano, TX 75025-9407; personal loans and deposit accounts, a third address on the page. You can also dispute directly with the bureaus. Page checked October 6, 2026.

How do I file a complaint about Capital One, and where can I escalate it?

Capital One's Feedback & complaints page lists 1-844-348-8660 for Capital One customer support (including Discover, by Capital One card accounts) and 1-800-DISCOVER (1-800-347-2683) for Discover customer support; auto loan customers have an online complaint form on the Capital One Auto Finance feedback page. For escalation, the CFPB accepts complaints about financial products at consumerfinance.gov/complaint (“Most companies respond within 15 days”), and the OCC says customers of national banks can use HelpWithMyBank.gov or its Customer Assistance Group. Pages checked October 6, 2026.

What was the Capital One data breach settlement, and can I still claim?

The settlement website says the claim filing period is closed and that the services run through February 13, 2028: Identity Defense Services (class members who did not claim by September 30, 2022 may still enroll while the service is active, by phoning Pango for an enrollment code) and free Restoration Services for all settlement class members, including those who never made a claim. The final approval order, dated September 13, 2022 (E.D. Va., MDL No. 1:19-md-2915), refers to a $190 million settlement fund and a class of approximately 98 million people. Capital One announced the 2019 incident on July 29, 2019 (2025 Form 10-K). The website says restoration services can be reached at 505-896-7416 and identity-protection enrollment at 833-317-4821. Checked October 6, 2026.

What is the status of the Capital One 360 Savings class action settlement?

Capital One's 10-Q for June 30, 2026 says the parties reached a new settlement in December 2025 with a $425 million fund and an agreement to raise the interest rate on 360 Savings accounts to match 360 Performance Savings, that the court granted final approval on April 20, 2026, and that an individual objector appealed to the Fourth Circuit on June 17, 2026 (the settlement site lists the notice of appeal as June 18, 2026). The Fourth Circuit docket copy on CourtListener (latest entry August 11, 2026) shows briefing and other orders and no merits decision. The CourtListener docket for In re Capital One 360 Savings Account Interest Rate Litigation (E.D. Va. No. 1:24-md-03111) shows the April 20, 2026 approval order and a notice of appeal (Fourth Circuit No. 26-1807). The official settlement site says no claim form is needed (“All Settlement Class Members are automatically eligible to receive a Class Cash Payment”), that the deadline to choose electronic payment instead of a check was March 30, 2026, and that “No Class Cash Payments will be paid unless and until the Effective Date occurs”; the administrator cannot yet estimate when payments will be made. The site also says that effective August 4, 2026 Capital One increased the 360 Savings interest rate to match 360 Performance Savings, although its settlement obligations have not taken effect.

What happened to the CFPB's 2025 lawsuit against Capital One?

The CFPB's enforcement page says the Bureau filed suit on January 14, 2025 against Capital One, N.A. and Capital One Financial Corp. alleging violations of the Consumer Financial Protection Act's prohibition on deceptive and abusive acts and practices and, as to Capital One, N.A., the Truth in Savings Act and Regulation DD. It says that on February 27, 2025 “the Bureau filed a notice voluntarily dismissing the action against all defendants with prejudice, and the court ordered the case to be closed the same day.” The allegations were never decided by a court.

What penalties and orders have the CFPB and OCC issued against Capital One?

The CFPB's 2012 Consent Order (File No. 2012-CFPB-0001) concerned payment protection and credit monitoring add-ons; the Bank consented “without admitting or denying” the findings, and the CFPB's termination order says it provided at least $140 million in redress to approximately 2 million consumers and paid a $25 million civil money penalty. On August 6, 2020 the OCC assessed an $80 million civil money penalty against Capital One, N.A. and Capital One Bank (USA), N.A. over risk assessment before moving IT operations to the public cloud; the Consent Order states the Bank “neither admits nor denies” the findings. Capital One's 2023 proxy statement says “the OCC formally closed Capital One’s cyber-related consent order”; it does not give the order number or date, and the OCC's database could not be opened on October 19, 2026, so which 2020 order it covers was not confirmed.

Is Discover part of Capital One, and whom should Discover cardholders call?

Capital One's 2025 Form 10-K says Discover Financial Services merged into Capital One and Discover Bank merged into Capital One, N.A. on May 18, 2025. Capital One's Contact Us page tells Discover cardholders to “continue using the number on the back of your card,” and its Feedback & complaints page lists 1-800-DISCOVER (1-800-347-2683) for Discover customer support. The page also says content may not apply to some Discover products. Checked October 6, 2026.

What do BBB, Trustpilot and the CFPB database show for Capital One?

As displayed on October 19, 2026: the BBB profile for Capital One (McLean, VA) shows an A+ rating, BBB Accredited status, 16,876 complaints in the last 3 years (4,121 filed in the last 12 months) and a 1.14 out of 5 customer-review average from 2,100 reviews (BBB's Richmond headquarters profile showed the same complaint figures); Trustpilot shows 1.2 out of 5 from 4,340 reviews; the CFPB database lists 174,637 complaints received between December 2011 and October 1, 2026, 34,576 of them between October 5, 2025 and October 1, 2026. The three counts come from different sources and are not combined; see the complaint record section for details and caveats.

What other Capital One consumer cases and settlements are listed: Canada, credit reporting, 360 Money Market and affiliate marketing?

The settlement website for the British Columbia data breach class action says that, if the court approves, Capital One would pay $35,000,000 (currency not named on the page) to settle the claims of Canadian class members outside Québec; it says Capital One “does not admit and denies any wrongdoing or liability,” and the hearing was set for September 22, 2026; as displayed on October 19, 2026 no ruling was posted. The website for Kromrey v. Capital One, N.A. (E.D. Va. No. 3:24-cv-575) describes a $2,400,000 fund for card holders who say they were wrongly reported as deceased; Capital One denies liability, and the site's court-documents page lists a Final Approval Order that could not be opened. In Arbeit v. Capital One, N.A. (No. 3:25-cv-821), a 360 Money Market interest-rate class action, the court dismissed the Amended Complaint with prejudice on August 25, 2026 and an appeal is docketed in the Fourth Circuit. In the Capital One Shopping affiliate-marketing case (No. 1:25-cv-23), the court granted final approval of a class settlement on September 22, 2026; the order says it is not an admission of wrongdoing.