Capital One Financial Corporation

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: I can't believe I have to resort to filing a complaint on here.

But from the looks of it no one wants to help me or make the effort to get my money back.

But recently I had canceled my card because my neighbour gave me my credit card he found at [redacted]

However I had it in my possession my card.

I called in and asked why there was an exact replica of my card. The woman on the phone bluntly stated that I requested a new card when I had not.

Anyhow I noticed some charges that occurred in Whitehall PA and a few other places I had not been to.

I filed the report I was asked to mail in my forms. They were recharged because they did not get the form. So I faxed it in and the woman who called said she saw no fraud. Um hello I didn't make most of those charges what would you call them?

I did make a few charges that I had to dispute because of non receipt but someone marked it as fraud I don't know why and now no one will help me.

I can't be reached by phone because I live in a Dead Area. So mostly email.My complaint concerns: a Credit CardDesired Settlement: To proceed to reclaim my monies from these agencies.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns filed with the Revdex.com (Revdex.com) regarding fraudulent transactions on your account. I’m sorry for the frustration this situation may have caused you. As a courtesy to you, I have credited your account $100.00. This credit will appear on your September 2015 billing statement. On July 17, 2015, a caller who verified your personal information requested a new card be issued. On August 14, 2015, you called our Customer Service Department to notify us that you did not make this request and of the potentially fraudulent transactions on your account. At this time, a fraud case was opened and several transactions were identified as potentially fraudulent. On September 4, 2015, [redacted]. in our Fraud Department reached out to you to complete the research into your fraud case. When you spoke with [redacted], you confirmed that several of the transactions were valid. A letter was sent to you on September 4, 2015 (copy enclosed), confirming these transactions were valid and would be billed back to your account. Listed below are the transactions that were deemed to be fraudulent transactions and were credited to your account: Date Merchant Amount August 3, 2015 [redacted] $22.28 August 7, 2015 [redacted] $16.68 August 7, 2015 [redacted] $3.37 August 12, 2015 [redacted] $20.00 August 12, 2015 [redacted] $15.55 August 12, 2015 [redacted] $30.13 August 12, 2015 [redacted] $4.79 August 12, 2015 [redacted] $3.37 August 12, 2015 [redacted] $35.89 If you have additional questions, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I’m happy to help in any way I can. Sincerely, [redacted] on behalf of Capital One

Consumer

Response:

I have reviewed the offer and/or response 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.

those are correct as fraud. How ever I have faxed a letter an added those that aren't mine and should also be added. I did not add a second card.

Regards,

The hold time, when calling via phone is extremely long. Customer service is poor on follow up. I am unable to check my account online via my [redacted] phone, or on app; hence the need to call in. I can only check on a computer. I was told someone would contact me within 48 hours to resolve the matter, and that was 2 weeks ago. I called again for another issue, and a rep stated they would make a note of it, and I would have to call back in to a different department. So I have to call back in and wait on hold, just for a technician to play trial and error.

I now know that I had it good at [redacted] and plan to go back once my affairs are in order. There was not one perk in joining Capital One. I thought because I have a Capital one 360 account the transfer process would be faster. No, its like any external account. I started the process of opening the new account via phone. When I asked the rep how long the transfer process was between the 2 accounts , he stated he did not know, but assumed it would not be long. He said he would put me on hold to find out, but we were already on the phone entirely too long. He kept putting me on hold to complete the initial process of opening a checking account. The rep said that starting the process over the phone would save me time when I go to my local branch. Wrong! I had to do everything all over again. Nothing was saved. The information the rep in the branch had was old information from credit cards. I am more satisfied with my 360 account. Hold time is shorter when I call, and they follow up if there is an issue with the account. Another issue is, the atm and bank set up is inconvenient. In the drive in area at my local bank, the teller is right before the atm. So I have to wait until someone finishes with a teller to go to get "quick" cash. That eliminates the convenience of the process, when you do not want to get out your car to get cash.

Lastly, I have credit cards with capital one, and I have been satisfied with my experience. Unfortunately, I have been unable to make minimum payments because my unemployment benefits have exhausted like the many million unemployed people in this country. That is not an excuse, just a fact. However, the way I am made to feel when a rep brings this up when I inquire about my CHECKING account is insulting. I have a problem with my checking account, and my credit card issue is brought up. Yet, my issue has not been resolved with this checking account. It makes me think I am being targeted due to my inability to pay. This has been a rough year, and the choice to leave my primary bank of 14 years was not easy. I had to because I needed to . I don't think I have ever been this dissatisfied with a company, and honestly my heart is broken. I have a bachelors and a Masters degree, and I can't secure gainful employment at this time. I have enough to deal with trying to keep my car, my home, while only working part time. The last thing I need, issues with a checking account. I will be taking my business elsewhere.

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: I contacted Capital One on October 7th 2013 and requested that they close my account. They indicated that they would do so and I have received a statement both Nov. and Dec. with the monthly $14.95 charge still being charged to my still open account. All I want is to CLOSE MY ACCOUNT with then as of October 7th 2013 as originally agreed. I attempted to clear this matter up myself again today, Dec. 6th, 2013 and was kicked off twice without the problem being resolved. I WILL NOT pay for Nov. or Dec. and expect them to ensure that this WILL NOT affect my credit!!!Desired Settlement: Cancel my Credit Card, with NO BALANCE DUE AND OWING, with my credit in tact and not affected by their negligence

Business

Response:

We received the customer complaint because the customer's request to have his account

closed on October 7, 2013, was not fulfilled. Our research found that on October 07,

2013, the customer has contacted our customer service department to request his

account to be closed. During the process, the call was disconnected, and since the

customer was not on the line, the associate was not able to fulfill the customer request.

On December 10, 2013, we called the customer and provided him the status of the

account as closed. Also, we have explained the reason why the account was not closed

during his first request, and we have credited his account for the amount of $[redacted], the

balance on the account at that time.

Review: I have been receiving junk mail/advertising mail from CapitalOne for over one year. I have poor credit and this makes me a target of most banks and credit card offers. However, I have had fraud, identity theft against me recently and over the past two years. I am trying to avoid any new credit line or offers from any financial instituition. I have requested by calling and by mail that CapitalOne stop sending me credit card offers, as this is causing me undo hardship and possible identity theft issues. Recently, I asked twice that CapitalOne stop sending credit card offers/advertisment to me, but they just keep on sending the mail/offers anyway. I want this mail to stop coming.My complaint concerns: OtherDesired Settlement: I need the credit card offers to stop, in order to avoid identity theft, and if identity theft does occure as a result of CapitalOne not honoring my request, that they be liable for any identity theft, or fianancial hardship incurred.

Business

Response:

Dear [redacted], I am writing in response to a complaint you filed with the Revdex.com (Revdex.com) about mailed solicitations you are receiving.I have removed your name and address from our mailing list. However, you may need to do this for any variation in the spelling of your name or address. Please allow 30 days from the date of this letter for all mail from us to stop. This means you’ll no longer receive any offers from us. We did not find any previous requests from this address asking to opt out, but apologize for any inconvenience or frustrations these offers may have caused. Additionally, you may call the prescreen opt-out line managed by the Consumer Reporting Agencies if you wish to be removed from the prescreened lists they provide to us. Their number is 888-5-OPT-OUT. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 10 a.m. to 6:30 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I’m glad to help any way I can. Sincerely,[redacted], on behalf of Capital One

Review: I have been trying for a few weeks now to settle account issues with Capital one with no success. Back in October/November, my account was deliquent, but I made a $50 payment in the beginning of November, and a $70 additional payment at the end of November. The next time I logged into my account, in the beginning of December, the Payments tab listed both of my payments. The Accounts Summary page listed my previous balance as $515.22, my current balance as $445.22, an available credit balance to use of $54.78, and a $0 minimum payment due on 12/20/13. However, I went to use my card at a vending machine and was delined. When I wrote customer service asking why, I was told my last payment was $50 on 11/1, so my account had no available balance due to delinquency....? I wrote back and forth to customer service 2 more times, asking where is their record of my $70 payment (it shows online?), how am I delinquent if I have no payment due, why does the account page show available credit if I have none, etc. Twice they wrote back and did not answer my questions, but merely stated again that my account is delinquent so I have no available credit. I sent a final message on 12/20, stating that if I did not get answers to my questions I would have no choice but to turn this into the Revdex.com, as I am not getting clear answers whatsoever from customer service, and the information that they are giving is completely different than what is on the customer service page. The message I received back is that this is not something they can respond to online, and that I have to call..? I'm confused. Three times I received answers from customer service, and now suddenly they can't respond via email at all?! I work for a bank and this is very poor customer service.Desired Settlement: I would like answers to my questions, once and for all. I work long hours, and I am not allowed to use my phone for personal calls, so they must answer via email. I want to know where my $70 payment was applied to. I want to know why there is a $0 balance due for 12/20 if the customer service reps claim I am delinquent. I want to know why the customer service reps tell me I have $0 available credit and the Account Servicing page states I have $54.78 available credit. I want the Account Servicing page to state the CORRECT information, and I want it to MATCH what customer service is telling me. I also want an apology for giving me the run around and not answering my questions. I would also like to know that from now on I will only receive correct and matching information from both customer service and the Capital One website.

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com about inconsistent

information you’ve received from our online account servicing site and our secure email

Customer Service agents.

[redacted], please accept our apology for the misinformation you received when requesting

assistance via our secure email channel. The issues you experienced while trying to resolve this

matter are unacceptable and will be addressed appropriately with the agents involved. We

appreciate you bringing this matter to our attention.

The payment of $70.00 posted to your account on November 29, 2013. As this payment was

made after the account cycled on November 23, 2013, it was applied to your December 2013

statement. The agents who responded to your emails were providing information from your

November 2013 statement which was not the most current information available. The $70.00

payment did lower your balance below the credit limit and satisfied the payment due on

December 20, 2013; however, the account was still temporarily suspended due to the previously

delinquent status. For this reason, your transactions were declined. I have confirmed that the

temporary suspension has been lifted. Kindly note, had the system worked as designed, your

transactions would not have been declined after November 30, 2013. As a courtesy, we have

posted a credit to your account in the amount of $[redacted] for the trouble you experienced and

forwarded this issue for correction. You will see this credit on your January 2014 billing

statement.

The online account servicing site does provide you the amount of unused credit on your

account, even when this amount may not be available for use due to the account status. Thank

you for your feedback about the way this information is labeled and presented online. There is

certainly an opportunity for us to make the presentation of the information clearer for our

customers. Your feedback has been provided to management.

If you have additional questions or concerns, please give me a call at [redacted], Monday

through Friday from 8 a.m. to 4:30 p.m. PT. I’m glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

cc: Revdex.com, case #: [redacted]

Review: I was promised the right to enroll in a third party debt management program in June by Capital One. We are now in November and they have still not allowed me to enroll in the program. As a result I have incurred hundreds of dollars in interest at a interest rate of 29%.Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to allow me to enroll in the third party debt management program with MMI as they agreed to.

Business

Response:

Manager for Executive Resolutions [redacted] called and spoke to the customer [redacted] via telephone and advised the customer [redacted] that the program acceptance letter was sent on 11/14/13 outlining the terms of the debt management program with MMI that the customer [redacted] requested. [redacted] was advised that the fixed payment is $90.00 a month and APR is 14.9 %. [redacted] advised the customer [redacted] that she should see this change within the next billing statement. The customer was satisfied with the resolution.

Review: Last Friday I tried to purchase a Eurail pass with my VentureOne card for my upcoming trip to Europe, the purchase was declined. I contacted Capital One and asked why it was declined and they told me that they thought it was fraud so they cancelled it, which I can respect since it is such a big purchase. Over the phone they were very kind to me as they explained how I need to upload some documents in order to prove my identity. So I uploaded those three documents immediately and received a phone call shortly after telling me that they were able to clear my driver’s license and my social security card but not my credit card statement. They told me that I could mail in a bank statement or a utility bill or something of that sort so I uploaded another document of my bank statement from April. They told me that they could not validate that because it was not within the past 30 days so they told me to send in one from the past 30 days. So I uploaded another document of my bank statement from May, I received a phone call saying that they could not validate this because it did not have my bank account number on it. Which, does not make sense, I am not positive why my bank account number would have to be on it when you say I can mail in a utility bill to just prove of my residency. Anyways, the person on the phone told me to upload a photo of a voided check to show my bank account number, so I uploaded a document of my voided check. I asked the man on the phone if the person my case was assigned to (Heather) was available and he said that she would contact me within two days. This is where I get a little frustrated. According to Capital One, “Heather” called me on June 23 at 5:20 and because she could not reach me and did not get a voicemail she decided to close my account with no notice to me. I am not sure if she contacted the wrong phone number, or mistyped my number but I never received a phone call from her, I do not have a missed call from that time at all, and I do have a voicemail so she could have easily left a message for me. I am extremely angry that she closed my account, when ALL of my forms could have been validated. I was even more upset when I was on the phone with Michael and another woman and they were both telling me different reasons for why my account was closed. Michael told me that they could not validate my Social Security Card, which I know is false because someone cleared it almost immediately after I first sent it in. Then the woman I talked to told me that I sent in the same three bank statements, which I know is false because I sent in a credit card statement from Nordstrom, a bank statement from April, and a bank statement from May. So I’m not sure if someone just is blind and can’t read the difference from April and May, or they just assumed it was the same bank statement, but I am extremely disappointed that my account was closed after I had uploaded the proper documents and just because Heather could not reach me on the phone. I am leaving for Europe in 3 weeks, I need this resolved immediately.My complaint concerns: a Credit CardDesired Settlement: I leave for Europe in 3 weeks. I needed to purchase my rail pass LAST week when it was declined by YOU. I need my account to be reopened IMMEDIATELY so I can make this purchase by June 28. I wanted to make this purchase so that I could receive my bonus points but I do not see that happening unless you contact me immediately and get my account reopened.

If I do not hear from you soon I will contact you every day until this is resolved.

Business

Response:

Dear [redacted], I’m following up on our conversation from July 7, 2015, and your complaint to the Revdex.com (Revdex.com) about a restriction on your account. Thank you for your patience while we researched this matter.I apologize for any frustration this matter may have caused when speaking to our Fraud Department. We will be providing feedback where it is necessary to improve our customer experience. On July 9, 2015, you spoke to our Fraud Department and verified your Social Security number. The restriction was removed from your account. Our Fraud Department also issued a credit towards your account for $500.00 for your inconvenience and placed a travel notice on your account as you requested. You will see this credit on your July 2015 statement. The account is open with a credit limit of $20,000.00. As discussed, the account was restricted by our Fraud Department on June 18, 2015, for your protection. The reason we requested additional documentation on June 19, 2015, and June 22, 2015, was because we were unable to verify the copy of your bank statement and Social Security card that you provided. We apologize for this inconvenience, but it was necessary so that we could remove the restriction from the account. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Review: A Capital One representative recommended I get into a new credit card with a better rate and rewards. I asked if closing my old account would affect my credit score to which the representative told me it would not. I opened the new account and closed/paid off the old one and my credit score dropped significantly. I called Capital One to see if they could do anything about this given the assurances they made to me. The representative apologized profusely yet they assured me there was nothing they could do on their end as it was submitted to the credit bureau. So now I have a reduced credit score because of the assurances given to me by Capital One even though I have never missed a payment nor do I ever utilize more than 4% of my credit limit.Desired Settlement: I wish that Capital One could follow through with the credit bureau to remedy the drop in my credit score based on the information they provided that I acted on. Simply put I haven't missed a payment nor do I utilize the credit balance on my credit card and I was punished on my credit score because of misinformation provided to me by a representative from Capital One.

Business

Response:

Dear Jack A. Krowl, I am writing in response to your concerns to the Revdex.com (Revdex.com) about the closure of your account and how we are reporting to the Consumer Reporting Agencies. Thank you for taking the time to review and discuss your concerns with me. Our records show that your account was closed through our automated system on April 8, 2015. While I was unable to locate calls with our agents about the closure of your account, you and I spoke by phone on June 19, 2015, and June 26, 2015. As we discussed, I am unable to remove the account ending in [redacted] from your credit profile. Additionally, I am unable to remove the inquiry for your account ending in [redacted] from your credit profile because the inquiry was for a valid application that resulted in an account being opened. During our conversation, I offered to reopen your account ending in [redacted] to establish the reporting to the Consumer Reporting Agencies for this account as an active account. We processed the reopen request and I have requested to have a new card mailed to you. Please allow 7-10 business days for this card to arrive. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4 p.m. ET. When contacting me, please be sure to have the following six digit telephone PIN number available: [redacted]. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: Reg: Problem with Capital One Credit Card I am writing to you to describe a problem I had with Capital One CC and hoping for a satisfactory resolution in order for me to continue as their customer for years to come. On December 13th 2012, I called the rewards/ticketing department to buy a ticket for December 19th of 2012 from [redacted] to [redacted]. The agent asked me for what date. I told her that I would be leaving [redacted] on the night of December 18th arriving to [redacted] the 19th in the morning at 6 am and if she could please schedule the flight to [redacted] that same morning. She proceeded to do the reservation. I asked her to send the confirmation email as soon as possible, she said she would. However, I did not receive that email in the next few days and I was checking for it daily. So, I called again twice in the next few days asking for it, they told me they will send it immediately after apologizing. Regardless of my multiple calls, I never received that email confirming my trip, although I was always reassured that I will receive it in the next few minutes but I never received. The morning of the 18th of December, the day before the trip, Concerned about the above, I called to ask for the email again just before going to work. The customer representative told me that my trip was scheduled for that very same day! As you can imagine, I was surprised, distraught and really disappointed: I bought a ticket for the 19th of December and they did the reservation for the 18th and because I never received the confirmation email, I was not aware of the problem in the schedule. I was really upset to hear that, but fortunately, the customer service representative was a very good one and understood my predicament after I explained the whole situation. He said that he would transfer my call to the reward/ticketing department since it was that department the one with the responsibility to have sent me the email in the first place, and that he will stay in the line listening to the conversation. The lady that answered the call in the reward/ticketing department said that she was very sorry but that she couldn’t do anything for me, except to cancel the wrong scheduled trip for that very same day since I was still in [redacted] (and leaving home for an 8 hours shift work) and to book me for another flight for the next day the 19th, (the day I actually wanted my flight in the first place and which they sold to me with the wrong date but never knew because they never sent the confirmation email to me as explained above). So, she cancelled the flight for that day and sold me another one. However, I was charged another 240 Dollars or so on top of the original amount for the cancelled flight, which was about 240 Dollars as well. At this point I did not have many choices, so, reluctantly agreed to pay that for another ticket, but only after the gentleman from customer service, listening to our conversation, interjected in the middle of the conversation with the lady from ticketing/rewards and explained to her that I had not received at any point the email confirming the date and if she were able to do help me better. She said no, that she could not do anything else for me. Then, he advised me to write a letter to upper customer service at Capital one explaining the problem and they would help me without a doubt. Following the advice of the customer service representative, I wrote the letter to the department- upper customer service, expecting a satisfactorily resolution, which was a refund to my account in the amount of one of the tickets-. They did not give me any refund. I wrote again and they did not help me again, instead they said that they actually sent the email confirming the original reservation. I asked for a copy of it and they did not have it. Because they never sent it to me. Then, I told them that I am now forced to write to you Revdex.com and seek your help. I am a new customer with this credit card and my credit score is very high. If this problem is not resolved to my satisfaction, I will have to close my account with Capital one, the same day that I pay of my balance, which I will. I understand they may have some issues that need to be fix in the way one or two of their departments do business (Customer service, reward, ticketing) like for instance, they must be sure that all of their customers receive a confirmation email right after buying a ticket to avoid in the future the repetition of the same problem I had. In the same manner, I asked them to understand that I cannot pay double for the same ticket due to a failure in the way one of their departments is working. I am looking forward to a happy resolution to this problem and continue to be have business with Capital one for a very long time if they resolve this problem to my satisfaction, otherwise, I am out. I am asking for the refund of one of the tickets with all of the interests they have charged me so far for it. Thank you very much for your help,Desired Settlement: I am asking for the refund of one of the tickets, about 240 dls and all of the interest they have charged so far.

Business

Response:

We have responded to the cardmember by telephone on October 9, 2013. The matter has been resolved in the cardmember's favor.

Review: Capital One billed me on more than one occasion when I had already paid the bill. In addition they added on an unautorized late fee.Complaint concerns: OtherDesired Settlement: No more charges from Capital One. Afterall I closed my account after I paid the last balance. No more stealing from Capital One. I don't want them to write or call me. I am going to call the police next time.

Business

Response:

Dear [redacted] This letter is in response to your complaint to the Revdex.com (Revdex.com), concerning the balance on your account. I’m sorry for your frustration about this matter. I want you to know that we take your concerns seriously and I’d like to share more information about this. As a courtesy, I credited your account a total of $28.08. This breaks down into credits for the following: ? Past Due Fee for $25.00 ? Interest Charge for $3.08 These credits will reflect on your June 2015 billing statement. To clarify, I found the April 2015 billing statement closed with a balance of $196.28 that is due on May 9, 2015. On May 9, 2015, a past due of $25.00 was billed to the account, since no payment was received by the due date. On May 12, 2015, we received a payment for $196.28, which was received past the due date of May 9, 2015. On May 12, 2015, an interest charge for $3.08 was billed to the account. I have issued credits for these amounts as mentioned above. As of June 5, 2015, your account balance is zero and closed as of March 28, 2015. If you have additional questions or concerns, please give me a call Monday through Friday at 800-955-1455 from 9:30 a.m. to 6 p.m. PT. I’m glad to help any way I can. Sincerely,

[redacted], on behalf of Capital One cc: Revdex.com

Review: Rep I'd mgr [redacted] case [redacted] canceled my acct without my authorization. And then tells me it is my problem. I did another chat with him he admitted that it was his mistake.Desired Settlement: I want my account opened back with dates the account was opened.

Business

Response:

I spoke with our customer and advised her of the resolution. Our customer is satisfied.

Review: On Aug. 10, 2013 I accepted a Capital One offer for a credit card balance transfer transaction of $[redacted] to my [redacted] card via a phone call with [redacted] Employee ID [redacted] that was "recorded." On Aug. 15, 2013, Capital One transferred the sum to a [redacted] card account that does not belong to me. I notified Capital One on 9/2/13 that the sum showed up as being completed on 8/15/13 on my Capital One account, but the transfer was not received into my [redacted] account. I was told that the transaction went to a [redacted] account and the implication was that I had given them the [redacted] card number. That is not true, and verifiable via the "recorded call." The numbering sequence of my card and the [redacted] card (as provided by Capital One) were nothing alike. I have never owned a [redacted] card. I was assured on 9/2/13 by [redacted] representative, [redacted] Code: #[redacted] that the amount would be returned to Capital One in 4 business days and she would personally call me on 9/7/13 to redo the balance transfer as I had originally requested. She didn't call, so I filed a formal complaint with Capital One's corporate fraud deparment on 9/7/13, and asked them to shut down my card, review the call with [redacted] and check to see if [redacted] still worked for them, assuming that if he doesn't it is a red flag of possible wrongdoing. They have temporarily credited my card for the charge while they investigate, but the fear that they easily put it back on my card, makes me concerned. All the communication thus far is one way, me to them. In the absence of a response, I have stepped in to help investigate. On Aug. 9, I also rightly assumed tha Capital One had not contacted [redacted] cards to let their customer know the $[redacted] did not belong in their account. A [redacted] representative thanked me for alerting them and said they would alert their customer but it was up to Capital One to reverse the $[redacted].

I remain concerned that a transaction of this size was mishandled, and also concerned that Capital One is slow to spring into action and get this resolved for me. Don't believe their "hassle free" advertising!Desired Settlement: 1) Capital One take a first approach of believing me and get aggressive about resolving this.

2) Listen to the call I placed with [redacted] on 8/10 to confirm direction provided.

3) Contact [redacted] to admit the transfer went to them in error or fraudulently. Consider a confernce call with the card holder and investigative teams at Capital One and [redacted] to resolve.

4) Assign me a dedicated representative for this and provide me their contact information asap.

5) Don't send me any more advertising until they have resolved this issue.

6) Copy me please on the letter you send.

Business

Response:

We explained the balance transfer was entered in error and has been permanently credited.

Review: It started it months ago of which I received several transactions but because of my work not depositing the amount into the account on time, those transactions have failed to come through,therefore, according to them, my account will be close if another failed tranactions go through. On 22nd of Sept, 2013, I was in the process of transferring over $100 into my checking accout when I received a unauthorized charge that was on my [redacted] account and it attempted to process through to my checking account. I contacted Capital One 360 regarding this issue, and my account was noted about it. Day after, the transaction preceded through and I received a message stating my account will be close in 30 days. Yes, I am aware if I get another failed transaction, but the issue is this was an unauthorized transaction, of which [redacted] can also confirm on my behalf and stated to me that any amount taken wouldve been refunded.Desired Settlement: I would like Capital One 360 to stop the cancellation on my account and give me a final chance. It would NOT be fair to close my account due to an unauthorized charge, and would violate my rights as a consumer.

Business

Response:

September 30, 2013

Revdex.com Case No.: [redacted]

Our Case No. : [redacted]

Dear [redacted],

I have reviewed the situation that you explained to the Revdex.com (“Revdex.com”) and want to address your concerns regarding the closure of your Capital One 360 Checking Account.

In your complaint, you dispute the pending closure of your 360 Checking Account due to excessive non-sufficient funds (NSF) rejections. You also state that the rejected withdrawals will not continue and were not authorized by you. In order to resolve your concerns, you request that we do not close your account.

We have taken this opportunity to review your account and have confirmed that the reason that your account will be closed is due to several non-sufficient funds (NSF) rejections. Please be advised that on September 10, 2013, you were notified via secure message that if further non-sufficient funds returns continued, the Bank would be forced to close your Account.

Since additional rejections occurred on September 12, 2013 and September 23, 2013, your account will be closed on October 24, 2013. A notification was sent via secure message on September 24, 2013. Please also note that a rejection occurred as recently as September 27, 2013. We do not have a record of any unauthorized withdrawal disputes.

While we regret to hear your dissatisfaction, we are unable to keep your account open. If you have any additional questions or concerns, feel free to contact us at [redacted]. For your convenience, we are available from 8:00 AM to 8:00 PM, seven days a week.

Sincerely,

[redacted] On behalf of Capital One

Review: I have spent two years complaining with several individuals at Capital One regarding three incorrect late payments that they have reported to the credit agencies: Experian, Equifax and Transunion. Capital one agreed to a payment plan in July 2010 which I honored. Unfortunately, Capital One reported the account late for three consecutive months after the agreement and have refused to correct their error. The account balance is zero and no other issues have ever arisen.

Capital One has made multiple excuses regarding the same including: (1) that they never agreed to the agreement, (2) it took three months of payments before they accepted the plan and (3) they no longer have records and cannot confirm. To make matters more difficult, Capital One transferred the account to a third party administrator that doesn't even have records to 2010.

In any case, my credit report still reflects the issue even though Capital One alleges that they do not have any documents concerning the same.Desired Settlement: I am requesting that Capital One remove the alleged late payments from Sept 2010 to July 2010 and place the account in a positive status.

Business

Response:

[redacted]

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com: [redacted]

Dear [redacted],

We were recently notified by the Revdex.com of your concerns about information

we’ve reported to the Consumer Reporting Agencies, like [redacted]. Thank you for

taking the time to speak with me on February 6, 2014.

We understand you would like us to modify the information we reported about your account. Our

records show that your account was past due July 2010, August 2010, and September 2010.

We’ve confirmed that we’re reporting accurate information; as such, we are unable to change or

remove the information that we are reporting. I’m sorry if this isn’t the outcome you were hoping

for.

Our records show that the account delinquency started in May 2010 when we did not receive

the minimum payment due. We received payments thereafter but they did not satisfy the

minimum payment amount. This caused the account to continue to stay in a past due status.

On July 13, 2010, we accepted a proposal from a third party to make payments on your behalf.

At the time the proposal was accepted the account was already past due. We did not receive

the minimum payments for the previous months to bring the account current. For this reason we

reported your account as past due to the Consumer Reporting Agencies.

On October 10, 2010, we reaged your account and removed the past due amount. Thereafter,

each payment received from the third party satisfied the minimum monthly payment. Your

account currently has a $0 balance.

If you have additional questions or concerns, please give me a call at [redacted], Monday

through Thursday, from 9:30 a.m. to 7:30 p.m. ET. I’m glad to help any way I can.

Sincerely,

cc: Revdex.com

Consumer

Response:

On July 2010, Capital One specifically states in its own letter that it accepted a new agreement. However, they still marked my payments late on July 2010 to September 2010 even though I abided by the agreement.

If the account was previously late, why didn't they mark the payments late prior to July 2010?

The letter contradicts itself. However, thanks for the letter to support the facts for my arbitration demand in JAMS! Best regards, [redacted]

Review: Due to the company coming into my account unauthorized,a loan I had due to come out was not paid and as such I had to pay a fee. The company came in on 10/24/2014 and that was when my loan was due also.Desired Settlement: I would like them to pay the loan amount of 52.69 and the fee associated with it of 25.00

Business

Response:

We received a CFPB complaint for this customer regarding the same issues, we will respond to the CFPB complaint.

Thanks

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 opened this Sony credit card sponsored by capital one in November of 2012 they are now saying that it was opened in august of 2012 this is important because I was to receive a $100 credit for using the card within the first 90 days. I used the card in December but now capitalone is saying hat I opened the card earlier in August which would disqualify me for this credit. If I had opened the card in August then this would not be a big deal but I know that this account was in fact opened in November. I feel that I am a victim of fraud and pray for relief in the form of the $100 credit that was promised when first opening and using the card.Desired Settlement: I would like the 100 credit that I was promised when opening the card and using it within the first 90 days, wich I have done.

Business

Response:

We have issued a $[redacted] credit as a courtesy

Review: I notified CapOne of a double billing on my account from [redacted] on June 1st shortly after I saw it on my online account via their online system. They sent me a letter letting me know they received my request and admittedly I overlooked the part where they asked me to call them back. When I finally saw that, I called them and spoke to an operator explaining to them that I am now following up with my issue to have the double charge removed. The Operator I spoke with spent several minutes telling me she hears complaints from 'people like me' all the time, which was a bit insulting and didn't resolve my issue.

I explained to her that at the drive-thru a guy was training a girl cashier, I gave them my card to pay they said it didn't go through and I told them to try again as I don't carry a large balance and knew it was good and it went thru fine.

When I spoke to the Cap One operator she asked if I had the receipt and I told her I didn't because I don't keep them after a fast food meal because I constantly check my account online. She then asked if I had the second receipt, I explained I only ever got one because the [redacted] cashier never gave me a 1st receipt because he thought it didn't go thru. She wasn't listening!

After that, she sent me a link to upload documents (which I told her 3 xs I didn't have) and now i've not heard anything back and there is still a charge for a product I never received. That was two weeks ago.

I'm a long-time, good standing CapOne customer and up until never had issues with their service. I use a credit card for purchases so that when there is an issue, they will stand by me, the customer. Not only did this CapOne operator barely listen to me and make me feel that as a customer I was bothering her, she didn't resolve my issue of the double billing and wasted my time.Desired Settlement: Credit me the $11.50 that was double billed on June 1st.

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com about a disputed

charge. Thank you for your patience while we resolved this. I have good news to share!

I would like to apologize for the frustration that you have experienced while dealing with this

matter. Our records show that we’ve had several exchanges with you about a transaction for

$11.50 that was billed to your account by [redacted] on June 1, 2014.

After a thorough review, we determined that you were not responsible for this charge. I’ve

credited your account for $11.50 for the disputed charge. You’ll see this credit on your next

monthly statement.

If you have additional questions or concerns, please give me a call at [redacted], Monday

through Friday from 10:30 a.m. to 7 p.m. PT. 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]

Thanks for all of your help! I know I can always rely on the Revdex.com!

Regards,

The customer care agents employed by Capital One are extremely rude and condescending. In addition the VAST majority of them speak very little English and are trained to use stock replies so it makes getting a real answer from them extremely hard. Because of these issues I recently canceled two cards with Capital One and wont be using them in the future. Unless they decided to start using English speaking reps that is.