Capital One Financial Corporation

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: 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: 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

I have a Capital One credit card, [redacted], and [redacted] account. Capital One has been excellent with regard to customer service, proactive credit limit increases, notices, ease of use of website, and other things. I would recommend them to another person.

My name is Amy S[redacted] and I live in [redacted]. Capital One was here for me when I tried to rebuild my credit by purchasing a secured credit card with a account balance of $200. Their customer service department went above and beyond their duties. They were always very friendly and courteous to me. I would highly recommend them to anyone who is rebuilding their credit.

Overall bad services and charge a very high fees.

Review: I had a credit balance of $0.42 on my account as of June 2013. As per the terms and conditions of my [redacted] "17. Credit Balances: You may request a refund of any credit balance at any time. Otherwise, we will apply it to any new charges on your Account or provide the refund to you as required by law." However on July 11, 2013, Capital One conveniently "adjusted" the $0.42 because they have a policy of writing-off small balances/credits below $1.00 as per their customer service. This does not match their terms and conditions nor is it fair to people who have a credit balance. I called and the customer service was very unhelpful and unwilling to issue me back the credit of $0.42Desired Settlement: I wish to get the amount credited back to my account and effective dated July 11, 2013 if possible. Also, I would request them to make the necessary system changes to ensure that no one's credit balance is written-off in the future, even if it is a penny.

Business

Response:

We reached out to [redacted], who in turn assisted the customer and resolved his issue.

Review: Recently I had an issue where Capital One was reporting an account that was lost/stolen on my credit report. This account was corrected and removed from my report. However now the current and only account that I have open is missing from all three credit reports. This is a major problem as this is a positive tradeline and I need it to be listed on the reports.Desired Settlement: I want the current account that I have (quicksilver) to be listed on Experian, Equifax & TransUnion with current and past payment history. The removal of this account has cost me 30+ points and I'm trying to purchase a home this needs to be fixed immediately. I've tried to call your customer service but cannot get anywhere with them to get this resolved.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about your Capital One account not reporting to the Consumer Reporting Agencies like Equifax, Experian, etc.

[redacted], thank you for taking the time to express your concerns about your account. We have sent an update to the Consumer Reporting Agencies to report the account ending in [redacted]. For your reference, the confirmation number for this update is [redacted]. We have verified the account was opened on December 3, 2010, and no delinquencies are being reported. It may take to 90 days to update their records. In the meantime this letter is proof that we are updating your credit profile.

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

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: On November 3,2012 my income was reduce from over $2,000 to less than $1,025 a month, which made it difficult to pay the creditors on time. I tried but that made me behind in my mortgage and car payment. Therefore, I had to make a decision. I was not going to lose my house nor my car nor be without utilities. I wrote Capital One and explained my situation. I did receive a response, I called but I was told I could not be help because I didn't meet the guideline. I explained to the customer service representative that I was not able to make any payments. I was told again that they could not help me. I wrote another letter stating to call a number, I call only to hear the same thing. I am not trying to get out of paying my debt, but at this time I am not able to do so.Desired Settlement: I would like to request a deferment of my account until December, 2015. I would like to also request that the interest rate be lower, as well as, the over limit and late late fees be stopped. I would like to be able to have this bill paid within 7 years.

Thank you for your assistance and your cooperation in this matter.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to Revdex.com about the status of your account and phone calls you have received. I have pleasant news to share with you today.

We are sorry to hear of the hardship that has fallen upon you. We have placed your account into a permanent hardship status. What this means is that we will no longer be contacting you to collect on this debt. You may volunteer payments in any amount that you are able to contribute to this debt and at any frequency that you are able to. These payments can be made to Capital One by calling [redacted].

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 11:30a.m. to 8p.m. PT. I'm glad to help any way I can.

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,

Thank you [redacted] for your understanding in this matter and Capital One patience.

Review: yes I always got my bills thru regular post office mail??have not gotton any bill thru regular mail???very upset?????Desired Settlement: too get my bill thru post office mail like I always did????

Review: I have a hard inquiry on my credit report by this company. I have mailed over my police report as well as a writer letter from police officer T. [redacted] stating that I am a victim of identity theft. I have not received any information from the company stating they will removed the inquire. It appeared on my credit report Oct 22, 2014 ad I did not authorize them to run my credit. This is illegal and I want this situation handled asap.Desired Settlement: DesiredSettlementID: Correction to a credit report

I would like the hard inquiry removed from all 3 credit reports asap!

Business

Response:

Dear Ms. [redacted], I have reviewed the situation you explained to the Revdex.com and want to address your concerns. After reviewing your concerns and the information you provided, we will submit a request to the four major consumer reporting agencies to remove the inquiry. In most cases, an update 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 update. If you would like specific information as to when the update 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 30348 Chester, PA 19022 Pittsburgh, PA 15230 (888) 397-3742 (800) 685-1111 (800) 888-4213 (800) 540-2505 Sincerely, [redacted] Office of the President, Financial Services 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: Being defrauded for charges made on an existing credit card in which I did not authorize and Capital One is outrightly refusing to stop the said company [redacted] for charging my account in coordination with [redacted] and [redacted] and [redacted] .FYI [redacted] the alledged company is non existent and is npot even a recpognized business on the Revdex.com lists.My complaint concerns: OtherDesired Settlement: Billing readjustments and the unauthorized charges be written off my account .

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns sent to the Revdex.com (Revdex.com) regarding charges from [redacted]. We take your concerns seriously, and we’re glad to share more information about this. I’ve credited the account for the charge of $59.95 billed on August 23, 2015, by [redacted]. In addition, I have credited the account for the interest charges of $11.90 billed on September 28, 2015. These credits will appear on your October 2015 statement and are permanent. We had previously credited you for the charge of $4.95 billed on August 11, 2015, and the credit appeared on your August 2015 statement. Please allow me to explain what occurred. On August 28, 2015, we temporarily credited your account for the disputed charge of $59.95 from August 23, 2015, with [redacted], while we reviewed your dispute. Per the letter we sent you, dated August 27, 2015, we let the merchant know about your dispute and explained we were required to give the merchant time to contest it. The merchant responded to us and provided supporting documentation showing the charge as valid. Based on this information, we rebilled the charge to your account and sent you a letter dated September 16, 2015, requesting additional information from you to support your claim and further dispute the charge. However, as we have credited the charge as a courtesy, no further action is needed on your part. Unfortunately, the transaction does not qualify for us to block the merchant from charging to your account. As of the date of this letter, there have been no further charges from this merchant on your account. If you feel you would like to change your account number, please contact our Customer Service Department at 800-955-7070, to process the change. If you have any questions or concerns, please give me a call at 800-955-1455, 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 am happy to help in any way that I can. 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,

Sincerely thankful .

Review: I received an credit card application invitation letter from Capital One in Dec. 2012, which stated a one-time $250.00 cash back bonus if you spent $500.00 on the card within the first three month. So I applied on Dec. 19 and used the car since Jan. 2013, and did spend over $500.00 in the first 3 months. Till this May, I did not see the bonus included the $250.00 bonus. So I called and faxed the copy of the invitation letter to their Customer Service supervisor, [redacted], on May 24. I was told it will be fixedOn July 5th, I called. The customer Service, named [redacted], said she would call me back but never did. On July 30th, I called and was transferred to the Rewards Dept. I spoke to [redacted] who wanted me to fax the letter again. Then I did. I received a letter on Aug. 8 from Capital One for the guide line of checking the reward points on line. Then I found the reward points were still not corrected after I checked. So I called on the same day and transferred to 4 different persons to look up this issue. And I was told that they did not have the $250.00 bonus associating with the card I applied. I was told they would fix this issue soon at the very beginning, and had been trusting them to fix. But it ended they told me there was no such bonus offer. We applied other credit cards which had similar bonus offer. But none of them like Capital One denied their offer after I had been calling them to fix. I still have the copy of their invitation letter regarding this offer, and the copies of the contacts with their customer service and general correspondent depts. If you would need the copy, please advise where I can e-mail, or fax to you for your reference.Desired Settlement: Put the bonus of $250.00 back to the reward points balance immediately.

Business

Response:

We have responded to the cardmember by telephone on August 15, 2013. The matter has been resolved in the cardmembers favor.

Review: I have my car ([redacted]) financed with Capital One Auto Financing in City of Industry, California since March 2009. My car was financed for about $[redacted] but you can round it off to $[redacted], which we have a five year contract to pay off the loan and it ends in March 2014. Each month I send in $[redacted] though my car payment is only $[redacted]. Now that we are at the end of our contract with Capital One they are trying to rob us of additional money. When we took out our loan with them they had us pay a very high interest rate because according to them our credit score was not satisfactory. But the next year when I applied for another car loan through my bank my using the same credit our interest rate was 3.9%. Because of the distortion of the truth it has left a nasty taste in my mouth and all we want to do is hurry up and pay off our loan with Capital One to dissolve our relationship. According to friends they said Capital One has a tendency of cheating patrons and using dishonest tactics on their credit cards and loans. I am asking for your assistance to help resolve the correct amount that is owed and clear up this mess.

The problem I am having with Capital One is my loan ends in March 2014 and we only have seven (7) more months of payments due, but Capital One is saying we owe $[redacted]. According to our records we only owe $[redacted] and this amount includes my September 2013 payment. As of today, we have paid $[redacted] on our loan and we owe $[redacted]. They are adding additional interest on our loan which has increased the price.

I have gone around and around with Capitol One in the past about miscalculating the amount we owe and we have not had any success. Well, the last time I checked the $[redacted] we pay each month includes the finance charges along with interest. This is not our first time owning a car and the process is no different. We have another car and our finance charges and interest are included in the monthly payment, and each month we make a payment the monthly amount is deducted from the total amount of the loan, but that is not the same with Capital One.

My September 2013, was mailed on Sunday, September 14th in the amount of $[redacted] but according to Capitol One we owe $[redacted] for a late payment and I do not know where they are accumulating the $[redacted] in late fee. As you can see from the following records listed below my August payment was cashed in August 9, 2013.

A lot of time we make two payments in advance and so far for the year 2013 we have made the following payments:

Month Check Number Amount Sent Cashed Payment for

January 2013 [redacted] [redacted] 01/30/2013 January

February 2013 [redacted] [redacted] 03/08/2013 February

March 2013 [redacted] [redacted] 03/08/2013 March

March 2013 [redacted] [redacted] 03/27/2013 April

April 2013 [redacted] [redacted] 04/08/2013 May

May 2013 [redacted] [redacted] 05/06/2013 June

May 2013 [redacted] [redacted] 05/06/2013 July

August 2013 [redacted] [redacted] 08/09/2013 August

We hope this matter can be resolved effectively. I look forward to hearing from you soon. Thank you in advance for your assistance.

[redacted]Desired Settlement: Correct the errors and dissolve this matter in a timely manner. For the pain and suffering clear our account as paid in full.

Business

Response:

Revdex.com - [redacted] – [redacted]

September 30, 2013

[redacted],

I 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.

It indicates the term of your loan is actually six years, not five. Your loan is set to mature March 19, 2015. Your official monthly payment amount is $[redacted]. As of the date of this letter, you have made a total of $[redacted] in payments. I have also highlighted sections containing information on finance charges, payments, and late fees for your review.

Upon receipt of your case, I performed a review of your transaction history with our auto finance division. Each of the payment amounts from 2013 mentioned in your letter have successfully posted, and I did not find any errors with the posting of your loan payments.

Our records indicate your loan became past due in February 2013. Your monthly payment came due on February 19, 2013, and was not paid until March 7, 2013. On March 6, 2013, a $[redacted] late fee was assessed. We appreciate the fact that historically your payments were received on time, and this was the first time your account had assessed a late fee. As a one-time courtesy, all late charges have now been waived.

We regret any inconvenience this matter may have caused, and assure you that your business is valuable to Capital One. We must respectfully decline your request to consider your loan paid in full. As of the date of this letter, the payoff on your loan is $[redacted]; this amount is good through October 11, 2013. This figure will decrease accordingly once the late fee waiver has finished processing. Please contact our Customer Service Department if you have further questions about your loan. If you have questions regarding this specific response, I can be reached at [redacted].

Sincerely,

On behalf of Capital One

Review: I have called capital one bank regarding the raising of my credit limit on my credit cards and have done this through their web site has well. The response they gave me was that I would get a letter determining their response in 10 business days but that was over three weeks ago . I have excellent credit and have gotten my my limits raised with other credit card companies in the past couple of weeks without a problem.Desired Settlement: Personally I would like my credit limit raised or a reason why they can't either by phone or by [redacted].

Business

Response:

Dear [redacted]:

I'm reaching out to your about your complaint to the Revdex.com. We have tried to contact you and would like to try to help you with this.

Before I can look into your concerns, I need to verify your information for security reasons. Please give me a call at [redacted] and provide me with the following:

Your name

Your current address

The last 10 digits of your account number

The last four digits of your [redacted]

Your date of birth

If you prefer, you may mail this information to the address above, or fax it to [redacted].

Once I receive this information from you, I can check into this. If you have additional questions, please call me at [redacted], Monday through Friday from 11:30 a.m. to 8:00 p.m., PT. I'm glad to help any way I can.

Sincerely,

Office of Executive Resolutions

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.

I have read the following letter from Capital One and I tried calling the number they gave me regarding the Revdex.com case . I also faxed over the information that they requested but I have received no response just the same answer of how the person handling the case is not in at the moment. I have left my phone number and as of yet I have received no call back as of today.

Regards,

Business

Response:

Dear [redacted]:

This letter is in follow- up to our telephone conversation on September 25,2013, about your credit limit increase request. We take your concerns seriously, and I'd like to explain more about credit limit increases.

I understand you would like us to increase your credit limit on your accounts but you have an extended fraud alert on your credit bureau without contact information; therefore, the requests have been declined. We are required to contact you using the phone number you provided on the alert, because this information is not provided on the alert, we cannot extend additional credit. In order to process your request you will need to contact the credit bureaus to have the alert updated with a contact number or to have the alert removed. This process could take the credit bureaus up to 30 days to complete.

As we discussed, accounts ending in [redacted] and [redacted] were upgraded to [redacted] cards to include the **% cash back rewards feature and you should receive new cards and product information for these accounts within 7 to 10 days. For the account ending in [redacted] we discussed that the account was not eligible for the upgrade; however, the **% cash back rewards feature on net purchases was added to the account.

If you have any questions or concerns, please give me call at [redacted], Monday through Friday, from 8:30 a.m. to 5:00 p.m. PT. I'm glad to help any way I can.

Sincerely,

Office of Executive Resolutions

Capital One

Review: In November 2008, this company Charged Off my account balance of $4246 and reported this charge off to the [redacted]. As a result, the [redacted] considered this debt forgiven and charged me taxes and penalties based on this forgiven debt. Meanwhile Capital One has continued to charge interest on this account, reporting a current past due balance of $8059 to the credit agencies. As the debt was forgiven, reported to the [redacted] as such, and as the statute of limitations on this debt has past, I contend that to continue to accrue interest on this account is both inaccurate and illegal. I have twice disputed this information with the credit agencies, yet Capital One continues to confirm this information as accurate.Desired Settlement: I am requesting that Capital One adjust the High Balance noted on my credit report to the $4246 balance at the time of the charge-off, and that any mention of a current past-due amount be deleted from my credit files.

Business

Response:

Capital One®

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.

October 18, 2013

Re: Credit Bureau Reporting

CID:[redacted]

Dear [redacted]:

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

appearing on your credit files. We value your feedback, and we’re glad to share more

information about this.

Before we can look into your concerns, we need to verify your information for security reasons.

Please give us a call at [redacted] and provide us with the following:

• Your name

• Your current address

• The last 10 digits of the account number

• The last four digits of your Social Security number

• Your date of birth

If you prefer, you may fax this information to [redacted], or mail it to the address below:

Capital One

Attn: [redacted]

Once we receive this information from you, we can check into your concerns. If you have

additional questions, feel free to call us Monday through Friday at [redacted], 8:00 a.m. to

4:30 p.m. ET. We’re glad to help any way we can.

Sincerely,

Office of Executive Resolutions

Capital One

cc: Revdex.com, Case# [redacted]

Review: Capital One credit cards did not pursue a dispute I filed against a charge from a [redacted]. I submitted requested letters and supporting documentation twice and was told that "I have a solid case against [redacted]" regarding a credit for 2 round trip tickets from/to La Guardia to Colorado Springs I purchased for mid July 2013 from [redacted] on my Capital One [redacted]. On the way home, our flight was canceled due to failed front landing gear, which [redacted] still claims was a weather advisory, in La Guardia. [redacted] did not adhere to their Customer Carriage Contract by not giving us an option to return to "our point of origin within 7 business days". They offered to fly us to Philadelphia or. Boston, but explicitly said that they will not return us to La Guardia. We even offered to take a connecting bus or train. A [redacted] employee even made the reservation for a rental car to drive ourselves from [redacted] to La Guardia and gave us a [redacted] dispute number to call. Capital One claims that a phone call that resulted in a busy signal at my residence counted as contact with me regarding a November 8th deadline to resubmit documentation that [redacted] is requesting in regards to my disputed charges of almost $600. It cost us $600 in rental car fees, gas and tolls to drive ourselves back. I contend that it is not my responsibility to resubmit documentation [redacted] to prove my case against [redacted]' charges to my Capital One card. It is my belief that Capital One is trying to wear me down so that I simply pay the approximately $600 round trip plane tickets even though they were not fulfilled. I have tried numerous times to reason with Capital One, but they just continue to ask me to resubmit documentation already submitted. Their plan must be to wear me down and have me pay $1200 for a $600 trip.Desired Settlement: Since [redacted] did give me a partial credit for the portion of flight that was canceled, but still against their own Customer Carriage Agreement, I would like to be credited from Capital One the balance of $500. They advertise to be "No Hassels" but that is not true at all. They are counting a phone call to my home on Oct 18 that resulted in a busy signal as Customer Contact.

Business

Response:

Dear [redacted],

We recently received your correspondence regarding a charge on your account from [redacted]. We value your feedback, and I would like to share more information regarding this account.

I apologize for the frustration this matter has caused you. While the experience with [redacted] was unpleasant, they refunded you $[redacted] for the value of the unused flight. Because [redacted] rectified the situation by offering you other options for travel and providing a refund, this action satisfied the Credit Association Guidelines. Therefore, we are unable to assist in a further dispute against [redacted].

We recognize you as a very good customer and we value your patronage. As a gesture of customer goodwill, we have applied a credit of $[redacted] to your account. This credit will reflect on you December 2013 billing statement.

If you have additional questions, feel free to call me at [redacted], Monday through Friday, from 11:30 a.m. to 8 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 [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[redacted] is clearly in violation of their Customer Carriage Contract and every time I have spoken with a Capital One ** representative, I was told that I had a really strong case and that I had provided more than adequate documentation to support my case. When I purchased the plane tickets, I used my Capital One ** so that I would have protection as a consumer and I was not protected. Is there any way that Revdex.com can also "go after" [redacted] also?

I also notified Channel [redacted] "[redacted]" news division about this entire ordeal, which I told Capital One I would do when they called to tell me that their legal department felt that my dispute was unfounded.

Regards,

Review: Selected a credit card from their list of cards that said 0% financing for the first year and a lower APR after then what they gave me.

Selected "Classic Platinum" and they changed me to "Platinum" so they started charging interest. This was not a mistake on my end I knew which card to click apply for.Desired Settlement: I'd like to see my card changed to the one I applied for and have the yearly no interest start from that time.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about the Annual Percentage Rate (APR) you received on your Capital One account.

We received your account and unfortunately, our research indicates you received the account that was applied for on-line. We're unable to offer you a lower interest rate now, but we review accounts from time to time to see if they're eligible for a lower APR. If you account does become eligible, we'll be happy to let you know. However, as a courtesy, we have issued you a credit for $[redacted] for finance charges billed on your November 2013 statement. You'll see this credit on your December 2013 statement.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 9:30 a.m. to 6 p.m. PT. I'm glad to help anyway 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,

They say I received the percentage rate (and offer) of the card applied for. This is not true. While this could happen accidentally it is unlikely that both my wife and I somehow BOTH applied for the wrong card by accident.

Review: I had a credit card through Capital One which I had closed today, 1/14/2014. My due date was 1/11/2014 and I made a bank draft payment on Capital One's credit card website on 1/11/2014. Next day, I noticed there is a $25.00 late fee charge stating I hadn't paid my credit card payment by the 1/11/2014 due date. I spoke with [redacted] on Capital One's website chat and he stated I didn't pay it until the 1/13/2014. I'm not having any association with a company that is and has done me wrong. I don't like companies that do me wrong and expect me to stay with them. I only wanted this credit card to build up my credit FICO score; don't need it or this dishonest company. I had explained that I did indeed make the payment on the due date stated above, but they didn't care if I was telling the truth or not. I will never use this company again and will spread the word about them on what happened to me.Desired Settlement: I want the late charge of $25.00 to be dropped from my account and an apology on the dissbelief of my testimonial to the representative.

Business

Response:

Dear [redacted],

I'm reaching out to your about your complaint to the Revdex.com about a late fee. I have good news to share!

We usually don't credit past due fees when we receive payments after the due date. However, as a courtesy, we're going to credit your account for $** for the past due fee. You'll see this credit on your Feburary 2014 statement.

Our records show we received an online payment of $200.00 on January 11, 2014, at 11p.m. ET. Please note that our payment cutoff is 5p.m. ET, on the day your payment is due. Since your payment was not received by the cutoff time, your payment posted on the next business day. For this reason your payment was considered late and the account was charged a $25 past due fee.

A review of our records shows that you had a conversation with our chat agent, [redacted], on January 14, 2014, between 1:38p.m. and 1:49p.m. During this chat, [redacted] explained the above information to you.

Our records show that you had another conversation with another Capital One chat agent that same day from 1:9p.m. to 2:19p.m. [redacted], our chat agent, incorrectly stated that your payment was made on January 13, 2014, instead of stating that your payment posted on this date. We apologize for any confusion this may have caused you.

You may find some of our Online Banking tools helpful for managing payments. For more information on features like automatic payments and payment-due alerts, visit www.captialone.com

I hope this credit is helpful! If you have questions or concerns, please give me a call at [redacted], Monday through Friday form 11:30a.m. to 8p.m. PT. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: Good Evening, I want to thank you all for you swift response for a complaint I made earlier this week. I need to address anothe complaint that I've been struggling with for the last 5 years or so. I had an account with "Capital One Bank" for quite some time. At the time, I had lost my job and fail to make payments. Now, it's been about 5 years that I've been PAID-OFF and closed this account. Although, I've paid them off and closed the account five years ago, they still refuse to remove all three negatives from my credit report. In deed, this time I made the mistake under unfortunate circumstances but I've payed my dues. [redacted] and I have pleaded with this company for months but they have been unethical and their response hasn't been clear at all to hold this against me for so long. They are not even considering to remove at least 1 negative which I believe at this point their being vindictive. We have written several letters of appeal and still their response has been bogus. I can't see how a company can hold a customer responsible for so long, under what grounds, especially in the late 90"s I had an account with them which turn out to be perfect. I returned to the company in late 07-08 thinking that their business practice was the same, but it wasn't at all. I have a decent credit score which means that I'm not a lousy customer but I would like to get the chance to improve my score for future credit and/or returning to college for assistance in Financial Aid in case I'm in need. Everyone is entitled to make a mistake and later correct the outcome (which I have) Enough is Enough!!!Desired Settlement: It feels like this company is holding some type of grudge against me. I can't see the logic in ruining a customer's credit report for so long after the customer has paid them off. It seems unethical practice on their behalf. I would like for you to at least see what's their unreasonal purpose in this matter. Are they trying to send a message by making an example out of me or what? Your cooperation in this matter is highly appreciative. Thank you, [redacted]

Business

Response:

Our customer is concerned about the way Capital One is reporting his account to the

credit bureaus. Our research shows that the customer account charged-off on August 08,

2010. We advised the customer that Capital One, does not offer goodwill credit bureau

updates. The customer is not satisfied but understands.

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,

I absolutely do not accept the offer made by the business to resolve this complaint. This complaint hasn't been resolved as you read their statement hasn't even had an offer on their behalf to the consumer. They haven't even stated a legitamate reason for their decision making process to you or the consumer. They haven't even taken any consideration that I previously had an account with their company years ago and did very well in paying off their credit card in the late 1990's before I payed and close this account. Then, Capital One hasn't even stated how much longer are they going to keep those negatives on my credit report. Capital One has some ridiculous policy which is "They don't remove negatives" at least give the consumer a break especially if they did finally payed off and closed both accounts years ago. What kind of business is this, nothing sounds right at all.

Sincerely,