Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

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

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466
13Capital One49+69%100%11%451

Every lender ranked

Latest Capital One payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
May 18, 2026Payday & personal loansProblem with the payoff process at the end of the loanCAExplainedYes
May 13, 2026Payday & personal loansGetting a line of creditALExplainedYes
May 1, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Apr 26, 2026Payday & personal loansGetting a line of creditARExplainedYes
Apr 26, 2026Payday & personal loansProblem with the payoff process at the end of the loanVAExplainedYes
Apr 25, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeNJExplainedYes
Apr 23, 2026Payday & personal loansGetting a line of creditVAExplainedYes
Apr 7, 2026Payday & personal loansGetting the loanNJExplainedYes
Apr 3, 2026Payday & personal loansReceived a loan you didn't apply forTXExplainedYes
Mar 28, 2026Payday & personal loansProblem when making paymentsCAFixedYes
Mar 21, 2026Payday & personal loansProblem with a company's investigation into an existing problemWas not notified of investigation status or resultsTXExplainedYes
Feb 22, 2026Payday & personal loansCharged fees or interest you didn't expectNJExplainedYes
Feb 4, 2026Payday & personal loansLoan payment wasn't credited to your accountFLExplainedYes
Jan 22, 2026Payday & personal loansProblem when making paymentsMAExplainedYes
Jan 13, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectNJExplainedYes
Jan 5, 2026Payday & personal loansCharged fees or interest you didn't expectNJExplainedYes
Jan 2, 2026Payday & personal loansGetting a line of creditGAExplainedYes
Dec 16, 2025Payday & personal loansStruggling to pay your loanTXExplainedYes
Dec 5, 2025Payday & personal loansCharged fees or interest you didn't expectTNExplainedYes
Nov 14, 2025Payday & personal loansIncorrect information on your reportAccount information incorrectFLExplainedYes
Oct 8, 2025Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Oct 8, 2025Payday & personal loansStruggling to pay your loanTXExplainedYes
Oct 3, 2025Payday & personal loansProblem with the payoff process at the end of the loanMSExplainedYes
Sep 29, 2025Payday & personal loansCharged fees or interest you didn't expectFLExplainedYes
Sep 7, 2025Payday & personal loansGetting a line of creditNYExplainedYes
Sep 4, 2025Payday & personal loansCan't contact lender or servicerCAExplainedYes
Aug 18, 2025Payday & personal loansStruggling to pay your loanCAExplainedYes
Aug 11, 2025Payday & personal loansLoan payment wasn't credited to your accountCTExplainedYes
Aug 6, 2025Payday & personal loansCharged fees or interest you didn't expectGAExplainedYes
Aug 1, 2025Payday & personal loansImproper use of your reportCredit inquiries on your report that you don't recognizeNJFixedYes

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.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

Talk about Capital One

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

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

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience