Payday & personal loans
Capital One payday & personal loans complaints
Consumers have filed 451 complaints about Capital One's payday & personal loans, 49 in the last 12 months (+69%). Capital One answered 100% on time and closed 11% with relief. See the whole Capital One record.
Capital One against other personal & payday lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Affirm | 2,316 | 100% | 0% |
| 2 | Paramount GR | 904 | 99.8% | 0% |
| 3 | OneMain Financial | 765 | 100% | 7% |
| 4 | Klarna | 652 | 94% | 13% |
| 5 | Block (Cash App) | 447 | 96.2% | 2% |
| 6 | Enova (CashNetUSA, NetCredit) | 434 | 100% | 0% |
| 7 | CCF Intermediate | 388 | 99.7% | 8% |
| 8 | Upgrade | 291 | 100% | 2% |
| 9 | Upstart | 276 | 99.6% | 2% |
| 10 | SoFi | 276 | 100% | 10% |
| 11 | Truist | 274 | 99.6% | 11% |
| 12 | Uprova Credit | 257 | 100% | 0% |
| 13 | Capital One | 49 | 100% | 11% |
Latest Capital One payday & personal loans complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Payday & personal loans | Getting the loan | In progress |
| Oct 15, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Oct 15, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Oct 14, 2026 | Payday & personal loans | Incorrect information on your reportOld information reappears or never goes away | In progress |
| Oct 8, 2026 | Payday & personal loans | Received a loan you didn't apply for | Explained |
| Oct 6, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 5, 2026 | Payday & personal loans | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 15, 2026 | Payday & personal loans | Incorrect information on your reportPersonal information incorrect | Fixed |
| Aug 21, 2026 | Payday & personal loans | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 13, 2026 | Payday & personal loans | Confusing or missing disclosures | Explained |
| Aug 11, 2026 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 10, 2026 | Payday & personal loans | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 2, 2026 | Payday & personal loans | Getting the loan | Explained |
| Jul 20, 2026 | Payday & personal loans | Getting a line of credit | Explained |
| Jul 19, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Jul 18, 2026 | Payday & personal loans | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 16, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Jul 16, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Jul 14, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Jul 9, 2026 | Payday & personal loans | Getting the loan | Money back |
| Jul 7, 2026 | Payday & personal loans | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 7, 2026 | Payday & personal loans | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 24, 2026 | Payday & personal loans | Confusing or missing disclosures | Explained |
| Jun 16, 2026 | Payday & personal loans | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 12, 2026 | Payday & personal loans | Problem with fraud alerts or security freezes | Explained |
| Jun 11, 2026 | Payday & personal loans | Getting a line of credit | Explained |
| Jun 9, 2026 | Payday & personal loans | Getting the loan | Fixed |
| May 29, 2026 | Payday & personal loans | Getting a line of credit | Explained |
| May 29, 2026 | Payday & personal loans | Getting a line of credit | Explained |
| May 21, 2026 | Payday & personal loans | Confusing or missing disclosures | Fixed |
Your rights with personal & payday lenders
You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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