Capital One Financial Corporation

Review: I emailed Capital One stating I am trying to locate to which collection agency they forwarded my debt to. In the email I stated that I wanted this information in writing. Their reply was a genetic response stating due to security reasons they could not release this information via email and a number to call to speak to a Capital One Representative. The number in fact turned out to be [redacted] Agency. While I spoke to a nice person named [redacted] and was told he will forward me information [redacted] has on file. I emailed Capital One back five times stating I wanted the information directly from Capital One who currently owns my debt and which collection to contact IN WRITING. I stated in the email I understand the security issues to please mail the requested information to the US Postal mailing address they have on file for me. They refused replying with the security unsecured email nonsense. Not acknowledging my response for it to be mail to my address they have on file to me...the same address they do not have issues sending me monthly bill for another account I have with the company.Desired Settlement: I would like Capital One to send me in writing whether it is via email or the US Postal mailing address they have on file for me the following information:The name of the collections agency that owns my debt. Their contact information. The totally amount owed and the date it was sent to collections. Again I want this information in writing. I am trying very hard to get my finances in order. I just want to make sure I am paying the correct agency.

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted]

We were recently notified by the Revdex.com of your complaint regarding information about your account. We’re glad to share more information about this.

I’m sorry for your frustrations about our previous e-mail responses. Unfortunately, since we received your previous requests from a regular e-mail, it wasn’t secure. For your protection, we require verification before we release any information. Again, we apologize for this inconvenience.

The address we have for your account is [redacted]. I see that the address we have on file and what is on the Revdex.com complaint is different, please advise if you would like the address updated to reflect what is on the Revdex.com complaint.

My research has confirmed that the account charged-off on January 20, 2012, with a balance of $2,877.22, and was sold to [redacted] on August 15, 2013. For your records, [redacted] can be contacted at 1[redacted].

If you have additional questions or concerns, please give me a call Monday through Friday at [redacted] extension [redacted] between the hours of 9:30 a.m. to 6 p.m. PT. I’m glad to help any way I can.

Sincerely,

Review: I paid my account in full in mid March 2014. (Account # [redacted])This was for the purchase on a [redacted] (VIN: [redacted])I inquired about receiving my title. I was told I would ahve to wait up to 30 days to get the title; thus it should arrive in mid April 2014. Mid April came and went. I contacted them again in mid April and this time I was advised that they would only issue a lein release and that would take 7 to 10 days; so that should arrive by the end of April 2014. May 1, 2014 I still had received nothing. I called again on May 2, 2014. I talked in length with a guy named[redacted]. He said it was sent... I told him I never got it.. so here said he would resend, but first I had to provide him the VIN #. I did that. He was supposed to call me on May 12, to assure I received it. He didn't call, and I've still not received it.I have to have this release in order to get a title in ** State.Itseems so simple:Mail the lein release to:[redacted]That's all I want.Thanks,[redacted]Desired Settlement: I want the lein release sent to me by overnight certified mail.

Business

Response:

Our customer has requested a copy of a lien release/title for a [redacted] sports vehicle. We confirmed that a lien release letter was processed and was sent 5/21/14 to the customer by [redacted]. The tracking number is [redacted] and he will receive the document 5/22/14. We called the customer to advise him of the delivery. We apologized for the delay from his previous requests.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I obtained a Capital One Secured Card to make my car payment. Then I found out that I could only make my payments using my checking account or send a money gram. I tried to send a money gram with my Capital One card and could not unless I had a pin for my Capital One card. I called Capital One set up a pin number on the card, Then I tried to send a money gram again using my Capital One card, this time I was told that the card was coming up as credit only. I tried 24 hours later and was told the same thing. I called Capital One Customer service, explained that I need the money to make my car payment and was told that I could only get $100.00 in cash off my card. My available Balance At that time was $488.00. explained that I needed the balance to make my car payment and was told by the customer service rep. that there was nothing they could do to help me. By this time my car payment is late and I had to wait until I got two more pay checks before I could make it. Mean while I tried using the Capital One Card to purchase other things only to have the card declined. I went on line to check my balance and there was a notice posted in red that my next payment was due June 5 and this payment past due, even thought the due date was not here yet. The payments for the card were on automatic electronic deduction from my checking account, and they had just received a payment. I called Customer Service and was told that they could not explain what was going on with my account. A week later I decided to call and close my account. This was a Secured Card, I had deposited $661.00 on to the card. The rep that closed the account told me to call back in 3 business days and request the remaining balance of $487.15 be sent to me and this would speed up the process of getting my remaining balance back. I did and was told that they could not send me my balance until the account cleared and it was showing that my payment was pass due. I pointed out to the person that a payment was just made and that online it was showing that my next payment due in June was showing past due and it was not June yet. They could not explain this and would only tell me that I could not get my money back once the account cleared. I called again and got an automated message that it would be 60 to 90 days before I received my money. $487.15. I got this card to make my car payments and the only thing I have got is a headache and the runaround from customer service. This was a Secured card not a credit card. I had deposited cash on to the card for a specific reason and was not able to access the money when I needed it. If I cannot use the card when I need it why have the card ? It did not take them a long time to make withdrawals from my checking account. Why do I have to wait so long to receive money that is mine?Desired Settlement: My Credit rating not Affected by this and My money refunded, $487.15 with out any hassles.

Business

Response:

Dear [redacted],

This letter is in response to your complaint to the Revdex.com about the security deposit and status of your account.

Your account was a secured credit card. A secured credit card works like any other credit card except that it requires a security deposit. The security deposit is used as collateral against your credit line. The security deposit is only refundable if you close your account and pay your balance in full. We apologize for any confusion that you may have experienced when you initially opened the account.

The payment for $66.88 that was made on May 5, 2014, was returned on May 8, 2014, causing the account to fall past due. Once an account is past due the card can't be used until it is brought current.

On May 14,2014, your account was closed based on your request. We sent a check in the amount of $[redacted] on May 30, 2014; please allow 10 to 15 business days to receive it. We are reporting your account to the Consumer Reporting Agencies, such as Experian and Equifax, as closed by consumer with a zero balance and no past due payment history.

If you have any additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30am to 5pm PT.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I have emailed Capital One multiple times now about an errant credit account which is somehow linked to my email address. I continue to receive junk emails related to this account, however I cannot unsubscribe as I do not have any of the account details since it is not my account! I do not, nor have I ever, had any type of account with Capital One nor ING Direct (a company which they acquired in recent years and continue to suggest I "might have" had an account with in the past). The owner of this credit account obviously registered with an incorrect email address. I am fed up with continually receiving these garbage emails; I am not part of their sub-prime demographic. I have an 800+ credit score and know my correct email address: the true owner of this account obviously cannot say the same. I wish for Capital One to remove my email address [redacted] from any and all lists they may have.Complaint concerns: a Credit CardDesired Settlement: Do not ever email [redacted]

Business

Response:

Dear [redacted]I am writing you today regarding your inquiry with the Revdex.com, and yourreceipt of emails from Capital One. This matter was forwarded to our attention forresearch and response.We apologize for any inconvenience this matter may have caused you. We haveremoved your email from our records as of April 1, 2015. Should you have any questionsregarding this response, I can be reached a[redacted]Sincerely,[redacted]

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: I contacted capital one almost or over a year ago to cancel the payment protection program. There is a documented notation on my account from I believe the second to last time I had to call to unlock my account in which I was given another 800 number to call to cancel it, which I did the following day because that department was closed. I have never used it my entire time as a customer for over 7 years. I had though the issue was resolve and as capital one's apr is pretty high on a normal I didn't notice it was still there until I had gotten a letter that it was going to be canceled automatically because of a business decision to term the program itself. I then reviewed my account in more detail and had found they had not canceled so I called that number a second time and they told me since they had no record of the 1st call they couldn't do anything and disconnected. I called a third time and the third person had state not only were there no notes the 1st time but also no notes the second time either. This is very upsetting as I have never had an issue with capital one the entire time I've been a customer aside from occasionally getting locked out of my online account and needing to call in to unlock it. This is horrible business and not only are they profiting off of the high apr but also on a feature I've clearly have never used and wanted canceled a long time ago.My complaint concerns: a Credit CardDesired Settlement: I request that Capital One makes this right. I've never used the feature nor did I want it for over a year and called in to cancel it probably over a year or maybe 2 ago. I'm not completely sure on the time frame but me asking for the number should be notated by a normal rep who unlock my online account I believe the second to last time. The resolution requested is either a complete refund of the pure profit they earn from the feature being on my account and never use and for the horrible customer service I've experienced from this shady department or a refund back to the exact date that I called in and specifically asked for the number in my notes back onto my card's balance.

Business

Response:

I am writing in response to the concern you submitted to the Revdex.com regardingyour request for a refund of Payment Protection fees on the above account. I attempted tocontact you by phone; however, I was unable to speak with you.To address your concerns with Payment Protection, your enrollment was canceled on April 22,2016, and a credit in the amount of $375.69 was applied to your account. This credit is a refundfor the Payment Protection fees billed to your account since enrollment. The credit will appearon your April 2016 statement.If you have additional questions or concerns, please give me a call at [redacted], Mondaythrough Friday from 8 a.m. to 4 p.m. ET. When contacting me, please be sure to have thefollowing six digit phone PIN available: [redacted]. I’m glad to help any way I can.Sincerely,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: We received a letter from collections for our [redacted] revolving account stating we were 3 months behind on payments. We call and get told by the rep that our payments are being received yet going into a "dummy account" and to call back Monday (it was close to closing time on a Monday) We have made 10+ more calls and no one can help us. I have now FAX and E-MAILED proof of payments from March-July TWICE now. When I faxed them in 7/22/13 they stated they "couldn't read the fax" yet they knew I had sent it in? This is now showing up negatively on our credit for the fact they are applying our payment to a wrong account.

Product_Or_Service: [redacted]

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want this taken off of our credit report IMMEDIATELY and for my payments to be applied to our account and all past due charges and extra interest be refunded.

Business

Response:

Hello,

The customers payments were credited to the account. An update was submitted to the credit bureaus to have the account report with no past due payments. A courtsey credit of $[redacted] was applied to the customers account due to the delay in the payments posting. A letter was sent to advise the customer of the resolution.

Review: I originally had a Credit Card account with [redacted]. They sold to Capital One. My payments were due on the 2nd of every month. I paid on September 2nd. That was the last payment I made. They had an option on their website that since you were new to Capital One you could choose your new Due Date. I clicked on it and chose September 28th. I now receive a bill telling me I owe another payment on the 28th and that my payment is late. I called them and they give me this explanation about when billing statement switch over the charges go to to another month stuff as a normal consumer we don't know this when we click change due date and there is no information about that under switch due date button. The agent was not helpful at all.Desired Settlement: Update my account as paid and my next payment should only be for 25.00 due October 28th.

Business

Response:

We were able to contact the customer by telephone and credit the past due fees on the account.

Review: This company provided an auto loan to me for a vehicle. The vehicle was still under lien, and was fully insured. I was unfortunately a victim of the Joplin tornado in May 2011, and the vehicle was a total loss. Insurance paid the agreed upon claim, but they have continued to show an amount both charged off and owed on my credit report. Too many vultures were able to take advantage of those facing loss in a tragedy.Desired Settlement: Remove the delinquencies from my credit report and settle the account in full as agreed upon.

Business

Response:

Dear [redacted],

We have received your submission to the Revdex.com and would like to address your concerns. Please accept my apologies for any delays you may have encountered attempting to get clarification on this issue.

We have reviewed your account history, and confirmed that the current credit bureau reporting is accurate. Our records indicate that we were informed of the total loss status of your vehicle in May 2011. The following month, we received insurance settlement proceeds in the amount of [redacted]. At that time, the total estimated balance of your loan was [redacted]. An additional $[redacted] from your warranty refund was applied to your loan balance in January 2012.

As the proceeds from your insurance company, along with the warranty refund, were not sufficient to payoff the loan, and no additional payments were submitted to cure the outstanding balance, we must uphold the current credit bureau reporting as accurate. We respectfully decline your request to remove the delinquencies from your credit reporting and settle the account in full.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted] If you have questions regarding this specific response, I can be reached at [redacted]

Sincerely,

On behalf of Capital One

Review: I opened a QuickSilver [redacted] account with Capital One. Copied below are the terms (copied directly from their site): Rewards: 1.5% cash back on every purchase, every day [redacted]One-time $100 bonus once you spend $500 on purchases within the first 3 months[redacted] The cash back you earn doesn't expire Redeem the cash back you earn for any amount, any time Get your cash back as an account credit, check, or gift card Additional Rewards information. I spent $500 within the first three months and now Capital One is refusing to honor what's printed in their own terms. I've called several times requesting that capital one credit my account and they've refused ALL times!Desired Settlement: I want the $100 promised in the terms and agreements!

Business

Response:

Our customer wrote into the Revdex.com requesting that we give her an early spend bonus. This request had already been processed. I contacted the customer to inform her of the update.

Review: I had an account with capital one I called the customer service line on Oct. 28th and spoke with a customer service representative explaining that I had lost my job and had just currently became employed again so I was trying to set up direct deposit and was in need of the banks routing number which he gave to me and ended the call. On Nov.8th I went onto the banks website to see exactly how negative the account is before my payroll check hit to find the account had been closed. I called customer service for the representative to tell me that capital one closed my account on Nov. 1st after they accepted my direct deposit request from my new employer on Oct.28th. From what was explained this evening the representative that I spoke to upon setting up my direct deposit should have informed me that account was going to be closed due to having an outstanding negative balance which was never explained so now my paycheck is set up to hit the closed account and I will not receive my paycheck until the end of next weekDesired Settlement: My account to be reopened and my check be available when it was suppose to

Business

Response:

November 12, 2013

RE: Account Ending in [redacted]

Capital One CID: [redacted]

Revdex.com Case No.: [redacted]

Dear [redacted]:

We are writing in response to the complaint that you filed with the Revdex.com regarding your personal checking account ending in [redacted]. We understand that you would like this account reopened and your direct deposit credited to the account. We value your feedback and hope to address your concerns.

We have reviewed your account, and our records show that the account ending [redacted] had been overdrawn on September 6, 2013 and remained overdrawn until the account was charged off on November 1, 2013.

Our records show that on November 8, 2013, you reached out and spoke with an account [redacted] in our contact center who assisted with reopening the account and ensuring your direct deposit was credited to the account during overnight processing. These funds were available to you November 9, 2013.

Thank you for choosing Capital One Bank to meet your financial needs. If you have any additional questions or concerns, please feel free to contact me at [redacted] ext [redacted]. I am happy to help any way that I can.

Sincerely,

[redacted], on behalf of Capital One

cc: Revdex.com

Review: My issue is about an External transfer that I initiated on the Capital One Website, to transfer $3000 from my [redacted] account to the Capital One account. The

accounts are linked.

To transfer the funds, Capital One showed a Deliver By date of 02/19/2014. I also received an email the following day confirming the Deliver by date of

02/19/2014.

With a Deliver date of 02/14, I scheduled 2 bill pays to my 2 Capital One credit cards to pay them off on 02/20.

On that day, 20/19/2014 I checked my [redacted] account and confirmed that the funds were effectively withdrawn, but on my Capital One, the funds are not showing

as Available yet. I called Capital One, and spoke with a customer service representative that transferred me to an online banking representative by the name

of [redacted].

After discussing the issue with [redacted], she explained that the transfer should take longer, but because of a glitch in their system, the system was not

showing an accurate Deliver by date, but she reassured me that if this resulted in any non sufficient fund fees accessed to the account, that they would be

removed. She put me on hold to put those notes on the account. Later on 02/19/2014 I checked my account and verified that the $3000 are on my Capital One,

but are not showing as Availble, although they were now on the account. On 02/20/2014 I checked the account again, and funds were on the account, but still

not Available. On 02/21/2014 I checked the account and I was charged 2 NSF fees of $35 each for the bill pays I scheduled to pay on 02/20. As discussed I

called Capital One and spoke with a Supervisor [redacted] employee ID [redacted] whom refused to waive the fees. I requested that they pull the call on 02/19,

therefore I'm now waiting. This issue was not well handled, and for me to pay $70 for their mistake is not acceptable.Desired Settlement: I want them to waive the fees they accessed, and apoligize for their mistake. No matter what is the outcome, I will close this account with them.

Business

Response:

Dear [redacted]:

We are writing in response to the complaint that you filed

with the Revdex.com (Revdex.com) about your checking account ending in

[redacted]. We understand that you would like a refund of two (2) Held Funds fees

recently incurred on your account. We value your feedback and hope to address

your concerns.

We have reviewed your account, and our records show that you

scheduled a $3,000.00 external transfer from a [redacted] account to your

Capital One checking account on February 18, 2014. The transfer was scheduled

to be delivered by February 19, 2014, and it was completed on that date. We

have [redacted] a copy of your account statement for this period for your reference.

As explained in our Online Banking External Funds Transfer Agreement,

for transfers into a Capital One Bank retail account, the funds may not be

available until the third business day after the "Deliver By" date.

Accordingly, the funds from the $3,000.00 transfer from the Chase Bank account

were made available to you three business days after delivery, or on February

24, 2014. Our Online Banking External Funds Transfer Agreement is available on

our website at [redacted]

We show that you were charged two (2) Held Funds fees

totaling $70.00 on February 20, 2014, because funds were not available to pay

two (2) transactions for $439.24 and $464.94 respectively that were presented

to the account that day.

We regret any confusion or frustration this matter has

caused you. We appreciate your business and have refunded the $[redacted] in Held

Funds fees as a courtesy. The courtesy refund was issued on February 25, 2014,

and is reflected on the attached account statement.

If you have any additional questions or concerns, please

feel free to contact me at 1-888-784-9198 [redacted] extension [redacted].

Sincerely,

Review: On june 15 I got a loan to pay off this account; on june 20 went to my account to check my remaining balance and it was 1486.27 so I send payment of 1486.27, assuming this debt was paid; this day I check my credit and this account still got a balance of 62.93 they are charging me with july and agoust if the balance was paid off on june. I having probles with this company before thats why I got a loan to paid it onece in for all still got charge.any help will be apreciated thanks in advance.Desired Settlement: No finance interest charges on account paid off.

Business

Response:

Dear [redacted],

This letter is in follow-up to our phone conversation about your complaint to the RevDex.com.

Our records show that a payment of $1,486.27 was received on June 20, 2014. This payment

did not cover your statement balance of $1,516.53. The unpaid amount of $30.26 was interest

that was owed on the unpaid balance from the time between when Capital One calculates the

balance due and sends a statement, to the time the balance is paid and we process the

payment. As a courtesy I have credited your current account balance of $62.93. The account

will report as open with a zero balance. This credit will reflect on the August 2014 billing

statement.

If you have additional questions or concerns regarding this matter, please contact me at [redacted]

[redacted] I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT Monday through

Friday.

Sincerely,

Review: They have put my account in collections. Collection wants me to pay more than what my original balance is. They said it's called a settlement, but the rest would go on my credit report.Desired Settlement: I would like to pay my original credit limit.

Business

Response:

Dear [redacted],

I’m reaching out to you about your concerns sent to the Revdex.com regarding the servicing of your account and information we’ve reported to the [redacted], like [redacted] and [redacted] I would like to share more information about this.

Our records show that your January 2014 billing statement showed a new balance of $724.26, along with a minimum payment for $22.00 that was due by February 25, 2014. I confirmed that payments were not received for your February 2014 through April 2014 billing cycles. An online payment was made on May 30, 2014, for $150.00. The payment was stopped on June 2, 2014, by your bank. Since payments were still not received for the May 2014 through the August 2014 billing cycles, the account charged off due to delinquency on August 29, 2014, with a balance of $954.62. We’ve confirmed that we’re reporting accurate information and are unable to modify it in any way. The account is now being serviced by [redacted]. They advised us that they spoke with you in the past and offered you a monthly payment plan for $49.51 until the account was paid in full. If you would like to settle on the account, you can settle for a single payment in the amount of $750.00. Please contact [redacted] directly at [redacted] to talk about the details.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: August 2014- [redacted] Capital One lender calls me & informs me that I am missing a payment from July 2011. Bank of America was my lender until November 2011 & then Capital One bought them out. I faxed a check copy receipt then was told in October 6,2014 that the check receipt was not acceptable & [redacted] then requests a bank statement & asks do I want to pay my October bill over the phone & tells me I'm going to get a late fee. I faxed the bank statement indicating the missing payment was taken out of my account July 2011. I received a memo October 10, 2014 requesting the front/back copy of the check. Each phone call [redacted] requests that I pay last months mortgage & the current month. My payments are up to date but yet she continuously insists that I am one month behind. Each time she says there is no record of last months mortgage yet on bank statements indicate that they have cashed the check (it takes them from 7-14 days to process my checks). Current correspondence received Dec 19 indicates that I have 30 days to respond or a notice of default will be issued & I could loose my home to foreclosure. It states I should contact a attorney or Housing Counselor immediately. How could this happen when I am not behind in payments? I have provided them required documentation but yet they continuously harass me. My home is located on [redacted], [redacted], WA & I have a deed to my property. I have requested assistance from [redacted] staff to help settle & so far they have not been able to guide me on the proper procedure to settle the dispute. This situation has added unneeded stress to my already busy life. I have a full time job and make monthly monthly mortgage payments. I am a grandmother & guardian to a 16 year old who has heart disease & has various appts that keep me busy. Recently they have reported to Collections Bureau that I have had one payment that is 30-59 days behind & this has lowered my credit score which will keep me locked into a high rate of 6% with them.

Account_Number: # contract [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Correct their records so that my payments are up to date & stop harassing me. I have also requested that they quit calling me at work. Remove late payment records from my credit report. Credit report indicates my last payment was in November 2014. December mortgage payment was deducted from my bank account on Dec 17th 2014, January mortgage was deducted from bank account January 13th, 2015

Business

Response:

February 10, 2015 Dear Ms. [redacted], I have reviewed the situation you explained to the Revdex.com (“Revdex.com”) and want to address your concerns regarding your home loan ending -[redacted]. We apologize for any delays you have encountered attempting to get clarification on this issue. Our records indicate that you filed for Chapter 13 bankruptcy on February 20, 2011, and received a discharge order on June 1, 2014. This letter is not an attempt to collect a debt and is being provided for informational purposes only and in response to your submission to the Revdex.com.Our records further indicate that while your home loan was serviced by Bank of America (“BAC”), BAC received a payment in the amount of $570.00 on July 13, 2011. However, for reasons that we cannot determine, BAC applied this payment to your escrow account rather than applying it as the July 1, 2011, payment. Because of this apparent error by BAC, we have credited your home loan for the July 1, 2011, payment, and credited your Unpaid Principal Balance (“UPB”) in the amount of $3.47 to account for the difference between the payment you sent to BAC and your contractual monthly payment amount ($566.53). We have also credited your UPB in the amount of $149.41 for any overpaid interest from July 2011 to the present, and waived all late charges that had been assessed on your home loan in the amount of $80.40. In addition, we have submitted requests for updates to our credit reporting of your home loan to the consumer reporting agencies for the only month in which we previously reported your home loan delinquent (December 2014). We have enclosed a copy of the letter from our Home Loans Credit Bureau Reporting Department dated February 10, 2015, confirming that we have requested that the credit reporting be updated. Please note that none of the aforementioned remediation impacts your escrow account. Please note that we placed or returned telephone calls to the only telephone number in our records: [redacted]. Per your request, we have updated our records with the telephone number provided in your correspondence to the Revdex.com and removed the other telephone number from our records. Our goal is to always provide an exceptional customer experience. However, we apologize for the delay you experienced in receiving a response to your concerns. If you require further assistance with your home loan, you may contact our Home Loans Customer Care Department at (800) 933-9100. If you have questions regarding this response, you may reach me directly at 972-372-7730. Capital One PO Box 85870 Richmond, VA 23285-5870 Sincerely,

[redacted] Office of the President, Financial Services Capital One

Review: I have has my credit card account with capital one for 7 years. After 6 months of on time payments capital one issues a credit limit increase. I have never received this increase. It has been seven years. Each time that I contact Capital One about this I am told that it is because of my fraud wet placed on my credit. However I have contacted all three credit bureaus and this is not true. My other credit lines have no problem. I have talked to multiple account manager supervisors who each have told me something different. I was told that the problem would be resolved 3 months ago. It still has not. Each time I call I am

Transferred from supervisor to supervisor with nothing every really getting.Complaint concerns: a Credit CardDesired Settlement: My credit line to be increased to reflect my 7 years of service

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted]Revdex.com Case: [redacted] Dear [redacted], I’m reaching out to you regarding your complaint to the Revdex.com on February 6, 2015, about your recent request to increase the credit limit on your account. We submitted your account for manual review for your credit limit increase request. After further review, we were unable to approve your request to increase the limit on this account. A separate letter was sent to you explaining our decision. Please allow 7-10 business days to receive this letter. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 5 p.m. ET. I’m glad to help any way I can. Sincerely,[redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Review: paid off the loan yet still showing on my credit report. was told it would come off over a year ago. affecting my credit.Complaint concerns: an Auto LoanDesired Settlement: repair my credit report. remove the item from my credit report that was promised a year ago that would be removed.

Business

Response:

Dear Mr. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We have reviewed your account and determined that the information previously sent to the consumer reporting agencies indicating that the loan is “Paid in Full, Current” is accurate. Additionally, after a thorough review of our records, we were unable to identify any instances where our associates informed you that we would request the removal of the tradeline from your credit profile. We would like to confirm that Capital One is not responsible for deleting credit tradelines. The consumer reporting agencies (“CRAs”) are responsible for deleting tradelines from their reports, and each CRA determines the timeframe in which a tradeline will be deleted. You may contact the CRAs directly if you have concerns regarding the timeframe this account has reflected on your credit profile. We have included the contact information for all four major CRAs, for your reference: [redacted]

[redacted] We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: Capital one said that they would refund my $200 after 1 year on a secured card. They did not. I want my $200 that I paid on a secured card.Complaint concerns: a Credit CardDesired Settlement: $200 secure deposit refunded

Business

Response:

Dear [redacted], I’m reaching out to you about your complaint to the Revdex.com about your concerns with your Secured Card deposit. We take your concerns seriously, and I’d like share more information about this. Thanks for taking the time to speak with me. Our records show that your security deposit of $200.00 was applied to your account on October 15, 2013, posting on your November 2013 billing statement. For your review, I have enclosed a copy of the November 2013 billing statement.Please understand security deposits are processed in a few ways. If the account is closed with a zero balance, a security deposit refund is sent. If the account is closed with an existing balance, the security deposit is applied to the remaining balance, and if the security deposit is greater than the remaining balance owed, the difference of the security deposit refund check is sent. If the account is not paid as agreed, and becomes past due, then the account will automatically close, and the security deposit will be applied to the remaining balance. In this instance, I confirmed that the account was past due, automatically closed, and the remaining balance of $283.17, was greater than your security deposit amount of $200.00. This means that your security deposit reduced the balance owed; it did not pay off the balance. To clarify, on February 12, 2014, due to delinquency, the account charged off with a balance at that time of $90.83. As a result, on February 21, 2015, the account was sold to [redacted] with the same balance. If you have additional questions or concerns regarding this sold account, you can contact [redacted] direct at 877-304-0146. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID 10463767, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]Regards,[redacted]

If the balance of my card went over $200 that was Capital One fault. Not mine. I used the capital one secured carded according to capital one's offer of the amount DEPOSITED on the card will be EQUAL to Amount CREDITED. Also no where in the initial application did it say that the balance must be under the amount deposited ??? It stated after 1 year my deposit would be fully refunded. For example if my balance was $100 would you have refunded $200 ? with a $100 Balance ? If you would give $100 how would I ever get my $200 Deposit back ? The original offer did not state this.

Review: this company at this point is harassing me they send me offers by mail every week even I opted out at least 6 times for the past 5 months they risking my identity I called them I wrote to them and I opted out and they keep sending me unwanted offersDesired Settlement: I need them to stop this is making me angry and upset

Business

Response:

Dear [redacted], I’m reaching out about your complaint regarding stopping offers that we are mailing to you. This is the follow up to our phone conversation on February 24, 2015. I am sorry for any inconvenience this may have caused you. On February 24, 2015, we removed your name and address referenced above from our mailing list. If you were selected for any offers before we processed this request, you may still get mail solicitations for the next several weeks. We don’t show a previous request on file to opt out your contact information. Your preferences will only apply to the contact information shown above. Please reach out to us if there are any name or address variations so we can enter those also. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 3:30 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: My car was totaled on 3/20/15. The car involved in the accident which I previously owned was financed by Capital One Bank. I have settled with the insurance company regarding the payoff of my car; however, the insurance company continues to tell me that Capital One Bank has a tax lien against them which was issued by the IRS. As a result of the tax lien, the insurance company is unable to pay off the balance of the car unless documentation is submitted to prove that the lien has been resolved. The claims adjuster I have kept in contact with stated that she has been in contact with [redacted], Capital One Bank auto claims manager ( phone number #: [redacted]) regarding the matter. She stated that Mr. [redacted] has provided verbal confirmation that the lien has been lifted but he has not provided documentation of the resolution which was requested by the insurance company. This documentation has been needed since April 23rd. I called Mr. [redacted] today and left a message. My call has not been returned. As a result of his failure to provide the appropriate documentation over the last 30 days, I am continuing to make payments on a car that is no longer in my possession. Thus far I have made two payments totaling $761.78 and as long as the documentation is not sent over to the insurance company I am responsible for making the payments so that my credit history is not at jeopardy.Complaint concerns: an Auto LoanDesired Settlement: I would like for Mr. [redacted] to submit official documentation to [redacted] at [redacted] ([redacted]) stating that Capital One Bank no longer has an IRS tax lien. I would also like for him to send a valid W-9, tax I.D. number to the insurance company so that the payment can be issued to Capital One.

Business

Response:

Dear Ms. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We apologize for any delays you may have encountered attempting to get clarification on this issue. Thank you for allowing me the opportunity to address your concerns when we spoke on June 4, 2015. As discussed, until we can fully resolve this matter with [redacted], Capital One Auto Finance has credited your account with the amount needed to pay off the account. The payment posted to your account on June 4, 2015, and has an effective date of April 17, 2015. Additionally, an electronic refund in the amount of $763.52 was submitted to your bank on June 5, 2015. These funds should be available within 2 business days. We also have confirmed that your account has been reporting with the consumer reporting agencies as paid, current, and we will submit an update to request that the account report as paid in full, current as of April 2015. In most cases, updates may take five to ten business days to reflect on your credit report. However, it is possible that the consumer reporting agencies may take up to 30 days to process the updates. If you would like specific information as to when the updates will be completed, please contact the agencies listed below directly: Experian Equifax TransUnion Corp Innovis PO Box 2002 PO Box 740256 PO Box 2000 PO Box 1689 Allen, TX 75013 Atlanta, GA 30374 Chester, PA 19022 Pittsburgh, PA 15230 (888) 397-3742 (800) 685-1111 (800) 888-4213 (800) 540-2505 We will continue to work closely with [redacted] to resolve this matter. We value your business and appreciate your patience. If you have additional questions, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: Since the buying of my new car they, Capital One, have been sending me monthly payment statements. Then I get a NOTICE OF ENFORCEMENT OF CONTRACT RIGHTS NOTICE OF DEFAULT AND RIGHT TO CURE notice. This was caused by them not sending me monthly statements as they had been doing. There was no previous letter of being behind on payments. When I tried to contact them the only thing I could get was a menu of choices which did not include talking to a live representative. I feel this is a bad business practice and possibly illegal as it could be looked at as a way to get extra fees in late payments. This company is not a very customer friendly company and I feel may cause unsuspecting people to get into debt problems as well as causing people to loose their good credit rating status due to their (the company's)negligence. When they had been sending their statements on time I had been paying in a timely manner. It Is the 27th of May and I still haven't gotten a statement. They had been coming in around the 16th-18th of the month here. What happened?

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Refund of late payment fees. Audit of internal operations as to what happened to statement mailings.

Business

Response:

Dear Mr. [redacted], We have reviewed the situation you explained to the Revdex.com and our Executive Office and want to address your concerns. We understand and appreciate your desires to keep your account current. Please understand that monthly statements are mailed to our customers each month as a courtesy, and the statements are not required in order to submit a monthly payment. Our records confirmed that we have mailed monthly statements to your home address each month since your loan originated. We have not found any instances where the statements failed to generate or where they were returned to us undeliverable. We also confirmed that once the account became past due we made several attempts to contact you via telephone and we sent the required letter informing of the account status. If you did not receive our telephone calls, we encourage you to contact our Customer Service Department at the telephone number provided below to update your contact information. As indicated on the enclosed contract, your regular monthly payment of $362.01 is due each month on the 18th. To ensure payments are received on time, you may mail payments to us prior to your due date without the monthly statement. If you choose to mail the payment, please be sure to include your full account number on the check or money order. Regarding your most recent payment, per your request, the late fee of $18.10 was waived as a one-time courtesy on May 27, 2015. A refund is not required for this late fee as we did not receive payment for it. We also have a few payment options available to assist you with keeping your account current. The most convenient way to make your monthly payments is via our DirectPay program. DirectPay gives you the peace of mind about your monthly payments by scheduling automatic payment deductions from your checking or savings account. You can enroll in DirectPay online, via mail (form enclosed) or by calling us at the Customer Service number listed below. You may also setup one time payments on our Capital One 360 website each month at your leisure. Lastly, we regret to hear that you were dissatisfied with our automated system and experienced difficulty reaching an associate. We appreciate you providing this feedback and have provided your feedback to the appropriate department for review. Please note that when using our automated system, you must authenticate your account in order to receive an option to speak with an agent. We value your business and regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One