Capital One Financial Corporation

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 been in contact with [redacted] with Captial One Executive office and did not get any where on this matter.

Capital One was reporting at the time 3 out 4 accounts that were showing 30 days late on my credit reports.

After tracking down why, it was linked to not receiving paper statements as well as I had to log into several accounts to find out the balances.

With me assuming they were paid off I never thought of needing to log into them. [redacted] failed to resolve this matter.

Also, I am still not receivng ANY paper statements.

[redacted] talks like she is willing to help, but she has cause more headache than resolutions.

Of the one account that was not orginally questioned, there was no late payment of the initial inquiry listed with my credit reports, now as of today it has now appeared for the month of September.

As you can see this inaccurate reporting falls under the FCRA and will be more than happy to escalate it with government agencies.

I have no issues of closing my accounts and taking my business elsewhere.Complaint concerns: a Credit CardDesired Settlement: I require ALL late payments to be removed from ALL my credit reports

Paper statements FOR ALL accounts (3rd request)

Combine ALL accounts under ONE login (3rd request)

A letter of apology from [redacted]

Business

Response:

Re: Account ending [redacted], [redacted], [redacted], & [redacted] Capital One Case: [redacted] Dear [redacted], I was recently notified by the Revdex.com of your request to have past due history removed from your account ending in [redacted]. Additionally, you requested I address your concerns for accounts ending in [redacted], [redacted], & [redacted]. Our records show we have previously responded to similar concerns. In our letters, dated December 9, 2014, and December 15, 2014 (copies enclosed), we provided the results of the research you requested for your accounts ending in [redacted], [redacted], & [redacted]. These letters were sent to your address of record. Respectfully, we continue to uphold our position. Please allow me to explain further by addressing each account individually below, including your fourth account ending in [redacted]. Account ending in [redacted]: I have confirmed that this account was never enrolled in paperless billing, and paper statements have been consistently delivered to the address of record. We have no record of returned mail on your account. I have also confirmed we are accurately reporting this account as 30 days delinquent for September 2014. On July 10, 2014, we received your payment of $[redacted], which brought the July 2014 statement new balance to $[redacted]. This statement showed a minimum payment of $[redacted] due by August 10, 2014. However, we did not receive your payment of $[redacted] until September 15, 2014. Your account cycled on August 13, 2014, and September 13, 2014, resulting in your account reporting 30 days delinquent for September 2014. I have enclosed copies of the July 2014 through October 2014 billing statements for your review. Our executives have reviewed your request to remove the past due status reporting for the month of September 2014. Regrettably, we are unable to honor your request. In accordance with the Fair Credit Reporting Act (FCRA), we are required to report accurate information regarding your account to the Credit Reporting Agencies (CRAs). On January 16, 2015, we submitted a request to the CRAs to add a dispute code to your credit profile. If you have any questions about how this may affect your credit file, please contact the CRAs directly.Account ending in [redacted]: As explained in our previous letters, we sent a request to the CRAs to remove the late payment history reporting for the months of August 2014 through November 2014. This decision was made because you stated that you did not receive statements during these billing cycles and you were enrolled in paperless billing. Additionally, we confirmed this account was been removed from paperless statements. No further action is required at this time. Accounts ending in [redacted] and [redacted]: As explained in our previous letters, we have removed these accounts from paperless statements as well. Additionally, no late payment history has been reported for either account. No further action is required at this time. Lastly, we are unable to combine your user names for online banking for you. You would need to log on to www.capitalone.com and complete this process yourself. If you need assistance while working to make these changes, please feel free to reach out to our Customer Service Representatives 24 hours a day at [redacted]. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:50 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID 10391855, 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.]

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: 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 11/25/13 Capital One processed an unauthorized bank debit in the amount of $986.00. I have been trying to resolve this issue with them since 11/25/13. I have been told by their customer service department there is nothing they can do until they hear from "the back office". I have called daily to see if they have heard from the mysterious "back office". To date, they have not. I just spoke with [redacted] and she asked me to stop calling her as there is nothing she can do. I would like someone who can do something to call me and fix this issue.

Business

Response:

Customer Name: [redacted]

Date: 12/6/2013

Capital One Case Number: [redacted]

Revdex.com Case ID: [redacted]

Our customer is concerned about a duplicate payment drafted from his bank account twice in error. Our research shows that we refunded the amount taken in error on 11/29/13 in the form of a cashier’s check sent via [redacted]. The customer acknowledged receipt of the check on 12/5/2013 and was satisfied.

Review: Several months ago, I was instructed by a bank representative that I needed to start building my credit. I went to Capital One's website and applied for the Capital One Secured [redacted] Credit Card. As advertised, I was told that I would put money of my own on the card in the form of a deposit, and that would be my credit limit. A representative from Capital One, told me that I would not be able to go over the limit, nor could I go under. I placed $204.00 on the card and I have been using the card successfully for quite some time. I logged into my credit monitoring account ([redacted]) and saw that there was a report placed by Capital One stating that I had went over my credit limit. I then logged into my Capital One account and saw where they say I had evidently went over my limit. I do not agree with this, since they told me that my credit limit was only the amount I place on the card. Because Capital One did not keep their word about how the card would be operate, their reporting to credit agencies has substantially affected my credit score negatively.Desired Settlement: My desired outcome is that Capital One would remove the "over credit limit" flag from all credit reporting agencies that they have contacted, and remove this from my Capital One Account as well.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com in regards to removing the over the credit limit from your credit report.

We understand you would like us to remove the over credit limit reporting on your credit report, but we aren't able to do that. Please note that this account reporting as current with a balance of $[redacted] and a high credit amount of $[redacted].

For this reason, I am unable to honor your request to remove the over credit limit reporting from your credit profile. You may visit [redacted] for more information about your Secured [redacted] account. I'm sorry if this isn't the outcome you were hoping for.

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

Sincerely,

[redacted], on behalf of Capital One

Review: I went to make a payment today on June 11, 2015 and noticed my payment was unusually high. My account is showing that a payment was not made for the month of May. I have never had a payment past 30 days on this account. I submitted an online payment and it's not showing up. I want to ensure my account does not reflect a 30 day late on my account. I never received a phone call, email, nothing, informing that a payment was not received. I have submitted payments online before and have never had this issue.My complaint concerns: a Credit CardDesired Settlement: Simply put, I do not want a 30 day late on my account since I have been responsible with my account and zero notifications were made that a payment was not received. As mentioned above my account has never been over 30 days late since this account was opened.

Business

Response:

Dear [redacted], I am writing in response to your request that was filed with the Revdex.com (Revdex.com) asking to remove information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian. Your letter states that you submitted a payment online for the month of May 2015 and that this payment is not showing up. After reviewing our records we found that you did not login to your online account from April 13, 2015, until June 11, 2015. A payment was processed to your account on April 14, 2015, and we did not receive another payment until June 12, 2015. Capital One does send out periodic statements with information about payments and due dates as required by law. Occasionally we will reach out to our customers who have missed payments as a courtesy; however, it is the responsibility of the customer to ensure timely payments are made. A review of our records shows that we sent you an online alert on May 4, 2015, and June 4, 2015, letting you know that a payment was due and that the minimum payment for that cycle had not yet posted. Additionally, an alert was sent on May 13, 2015, saying that your statement was ready to be viewed. These alerts were sent to your email address on file: [redacted]. We understand you would like us to modify the information we reported about your account. Our records show that your account was over 30 days past due on your June 2015 statement, and we’ve confirmed that we’re reporting accurate information. For this reason, we are unable to send an update to modify your credit file. There was a dispute code previously placed on your credit file with the CRAs which, since you disagree with this outcome, is still in place. You may contact the CRAs directly using the following contact information: Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH 888-397-3742 800-685-1111 Chester, PA 19022 43216 www.experian.com www.equifax.com 800-888-4213 800-540-2505 www.transunion.com www.innovis.com 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. 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: I was contacted by Capital One by text 5am on 2/8/2015 asking if I authorized charges in the amount of $605.00 three times for a total of $1,815.00 on 2/8/2015.My Son in the U.S. Marines who has a Capital one card in his name on my account for emergency only was contacted via text 5am 2/8/2015 about these charges. His response was "I do not have the credit card on me" and he told me he was contacted the morning of the 2/8 around 4:am by an employee of the merchant ([redacted]) in Jacksonville N.C. that his credit card was at the lounge but she didn't see him.(I have his text on my phone to prove this).Capital one credited my card the $1815.00.I got a call sometime in late April maybe early May from Deborah F. from Capital One Fraud protection dept.asking about the charges in questions. The first thing she ask was did you have the card in your possession,I explain no that he was contacted by a employ from [redacted] that the credit card was there but He wasn't.I ask her to request the receipts from the lounge. Weeks later she reviewed the credit card transactions with copies of his drivers license and Military I.D. with signature's.The signatures did not match any signature on file. Then Deborah F. proceeds to tell me because they have the copies of his driver license and Military I.D. he must have been there and they would not pay the claim. I tried to explain to her CPL. [redacted] was a victim of fraud with his [redacted] credit card and that the lounge has copies of his I.Ds on file and this is how they have copies. Also the copies are so bad from being copied over and over you can not read them clearly.The charges for 405.00 with a 200.00 tip does conform with any services at the lounge and they were charged within 30 minutes of each other,00:44:43,01:09:24, 01:09:59.This is a money laundering operation and I have filed a police report Onslow P.D. of Jacksonville N.C. and notified the District attorney and the Attorney General of N.C. of this information. Thanks

Product_Or_Service: Fraud on Capital One Credit card

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

This is a clear case of credit card fraud, why text me and ask if I or my son did this. I signed up for this CC and was told I was only responsible for CC fraud up to $50.00 if the card was lost or stolen and they have not held up to there contract.I have retained a lawyer for fraud on my son's NFCU in the amount of $11,500.00 from the same place. They charged 11,500.00 in 15 charges in 2hrs in amounts 1,345.00 3 times, 525.00,325.00 2 times,75.

Business

Response:

Dear [redacted], This letter is in follow up to your concerns submitted to the Revdex.com (Revdex.com), about unauthorized transactions on your account. Thank you for your patience while we resolve this, and we apologize for any inconvenience that may have been caused to you. Based on the additional information we received, we’ve permanently credited your account on June 23, 2015, for $1,815.00. This amount is for the three unauthorized transactions of $605.00 each from [redacted], which were charged to your account on February 08, 2015. This credit will appear in your July 2015, statement. In your complaint, you indicated that your son, the authorized user on this account, is in the military. First, we want to thank him for his service to our country! In an effort to determine whether your account is eligible for enrollment in our Servicemembers Civil Relief Act (SCRA) Program, we researched his status in the Defense Manpower Data Center (DMDC) database maintained by the United States Department of Defense and confirmed his active duty status. As a result, SCRA benefits will be applied to your account ending [redacted]. You will receive an enrollment letter from our SCRA Department with more details about our Program. If you have any questions or concerns, please call me at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help any way that I can. Sincerely, Yaime Baca, on behalf of Capital One

Consumer

Response:

Customer reached out to Revdex.com by phone on July 21 and stated that the charges had been corrected and that the issue was resolved.

Review: THIS COMPANY CHARGED ME A "ACTIVATION FEE AND A PERSONAL ACCT PROTECTION FEE" WITHOUT TELL ME ABOUT THESE FEES PRIOR TO STARTING THE SERVICE. NO LETTER, E-MAIL OR PHONE CALL WAS GIVEN TO ME TO TELL ME ABOUT THESE CHARGES. ACTIVATION FEE: $74.00 / P.A.P. FEE: $5.36. I BELIEVE THIS IS A VIOLATION OF "[redacted]". IF I HAD BEEN INFORMED THAT THESE FEES WOULD ACCURE, I WOULD NOT HAVE ACTIVATED THE CREDIT CARD SERVICE. YOUR ASSISTANCE IN THIS MATTER WILL BE GREATLY APPRECIATED. THANK YOU.Desired Settlement: THIS COMPANY NEEDS TO BE OFFICIALLY INFORMED OF THIS VIOLATION AND A REFUND TO MY CREDIT CARD.

Business

Response:

We were able to remove the Annual Membership Fee on the account and provide additional information for the Payment Protection charge, which he wanted to keep.

Review: I saw a fraudulent charge a week ago on September 19, 2013 (claim number: [redacted]) of $64.20 and reported it, but later on September 21, 2013 , (claim number: [redacted]). I noticed my card was stolen so I reported it. It happened on my old account ending I 8932. So I reported it and my the customer rep changed my card to [redacted] , but I was not credited ,even though I told the customer rep I did not make the charges. On September 26, 2013 I had to open another fraud claim on the stolen card charges. I was credit for some fraudulent charges ,on September 27, 2013 that equaled $64.20, but in another transaction Rebilled for $64.20 on September 27. 2013, for which I opened another transaction AGAIN on the $64.20 charge, ( claim number: [redacted]). Now at this moment, I have seven or more claims , two on the same amount and being FORCE to pay for charges I did not make. The absurdity to have three claims , because no one has bother to take care of the claims based on Capital One Policy.I know Capital One Policy and that amount is suppose to be forgiven. I want my money back as the Capital One Policy states and those cases close. I was a happy new Capital One Customer, but after this I want to pay my cards off and and close my accounts. I would not recommend or wish this treatment an a friend nor foe.

Also I am getting Rebilled on my account ending in my old account 7335 for charges I told were fraudulent . The are $8.53 and $5.37 unauthorized charges? I was even given a new account, 7510, because it was fraud when I talked to the customer rep on September 14, 2013.

Birthday 06/30/1976Desired Settlement: I want my money back as the Capital One Policy states and those cases close

Business

Response:

This matter is considered resolved. Our Fraud Department contacted and spoke directly to customer on 10/01/2013. Customer was advised of provisional credits issued while claims were under investigation. After the transactions are confirmed fraudulent the credits will become permanent. Customer will receive correspondence from Fraud Department upon resolution. This matter is considered resolved.

Consumer

Response:

I was contacted today by Customer Service Rep claiming my case not fraud when October 1, 2013 I was left a message claiming the case was closed. Until my fraud case is closed as fraud my complaint stands as several people at Capital One contact me with different messages. I want my case classed as FrAud since it is and the complaint will be accepted. At the moment I feel Capital One is not living up to their policy and I felt threatened by rep who called me at work today. I want the matter resolved as fraud.

Review: send money orderto them they claim they never got it but someone cash it it was in there name on the moneyorder and the enevopleDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want the money put on my account

Business

Response:

Our customer is concerned about a $200.00 Money Order he sent to us as a payment that never posted to his account. Our research shows that we never received the Money Order and the documentation the customer sent to us does not show the Money Order

was ever cashed. We spoke with the customer on the phone and he provided the tracer number, which we used to contact [redacted]. [redacted]’s automated system confirms the Money Order was cashed but we still have no record of it. As a courtesy,

we issued a credit to the account for $200.00. We advised the customer of the credit on November 14, 2014.

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,

I have the money order stup from [redacted] showing they cashed it that's why they paid me thank you for your help

Review: I have called during normal business hours atleast 15 times in the past week to request a front and back scanned copy of my lease to be faxed. I spoke to a representative last week who assured me it would be faxed next business day. It never came. I just tried calling again and there offices are closed again. They are never open or I wait on hold for 30 minutes until there automated phone system kicks me off. I verbally confirmed the number read back to me was correct as well. Horrible customer service and they just shut off the phone system to save their metrics when it gets too busy / close for unknown reason.

Product_Or_Service: My loan lein is through them

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

Complete my original request. Fax a front and back copy to the number I provided in a timeley matter.

Business

Response:

Dear Mr. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We regret to hear of the delays you experienced attempting to resolve this matter. Thank you for allowing me the opportunity to address your concerns via telephone on March 10, 2015. During the phone call, you advised me that you have received a copy of your lease. We appreciate your feedback and have communicated this information to the appropriate management team within Capital One Auto Finance. Our phone systems were checked and it has been confirmed they are working properly. For the safety of our associates, our offices were closed intermittingly during the week of February 23, 2015, due to inclement weather in Plano, Texas. We apologize you were unable to reach us during that time. We appreciate you allowing us the opportunity to review your concerns, and assure you Capital One is committed to providing superior quality service. If you have any questions regarding your account, please contact Capital One Auto Finance Customer Service at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: I made payment arrangements on April 17, 2013 at 9:48 am with [redacted]" at Capital One Matures' Loan division to pay off the remaining balance of my Capital One Auto Loan. I made arrangements to make 6 payments and the final payment would be around October 15, 2013. As of today, August 16, 2013, I am still receiving calls from Capital One regarding this matter. I would appreciate the following 1) cease all calls regarding this loan 2) Capital One needs to provide a letter stating that the payment arrangements were made on April 17th 3) an apology for the excessive calls.Desired Settlement: I would appreciate the following 1) cease all calls regarding this loan 2) Capital One needs to provide a letter stating that the payment arrangements were made on April 17th 3) an apology for the excessive calls 4) any exorbitant fees waived

Business

Response:

Revdex.com - [redacted]

September 3, 2013

Dear [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.

In reviewing this matter, our records confirmed payment arrangements were initiated on your account April 17, 2013. Our records also indicate that during this conversation you were advised of standard monthly reminder calls. We regret any inconvenience these reminders may have caused you.

Upon receipt of your letter from the Revdex.com, we updated your account preferences and ceased outbound calling. We would like to further discuss options on your account, but did not attempt contact with you via telephone in an effort to respect your wishes. I can be reached directly at [redacted], please contact me at your earliest convenience to further discuss account options.

Sincerely,

On behalf of Capital One

Review: Capital One has been advertising to me without my consent.Desired Settlement: I would like for Capital One to remove my name and address from their mail advertising.

Business

Response:

Dear [redacted]

I’m reaching out to you about your complaint to the Revdex.com and our phone

conversation on September 25, 2014, about receiving our offers in the mail. 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. If you have additional concerns, please give me a call at [redacted]

[redacted] from 9:30 a.m. to 6 p.m. PT. I’m glad to help any way I can.

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. It was nice speaking with [redacted] - she was very accommodating, friendly and helpful. 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 asked the teller to close my account. I returned the checks that I received in the mail unopened. She gave me cash and I thought that would be the end. She did not close the account; now I keep getting penalty notices about my account.I would like my account closed with out the extra charges incurred because of their mistakes.

Product_Or_Service: savings and checking accountDesired Settlement: DesiredSettlementID: Other (requires explanation)

Close the account without the extra charges.

Business

Response:

Dear [redacted]

We are writing in response to the complaint that you

recently filed with the RevDex.com (Revdex.com) regarding your personal checking account ending

in[redacted]. In your complaint,

you indicate that you would like to close your account

without any charges being incurred.

We value your feedback and hope to address your concerns.

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

visited the Capital One Bank

branch in [redacted] on February 25, 2014, and requested

to close your account. At that

time, a check order that you had placed on the account was

still in process and scheduled to

be charged upon completion. Accordingly, instead of closing

the account that day, branch

personnel advised you to bring in the unopened checks upon

receipt. Then the check order

charge could be credited and the account closed once the

credit had posted.

In the meantime, on February 25, 2014, you withdrew

$5,668.00 from the account, which

overdrew the account by -$2.75. On February 27, 2014, a

check order of $25.60 was debited

from the account, which resulted in a balance of -$28.35. On

March 13, 2014, a deposit was

made for $1.75, and on March 17, 2014, we refunded the check

order of $25.60. After the

two credits, the account balance was overdrawn -$1.00. For

your convenience, a copy of the

February 2014 and March 2014 account statements and a copy

of the counter withdrawal slip

have been[redacted].

We regret any confusion you may have had about the status of

your account. As a courtesy,

we have credited the account to bring it to a zero balance.

Please be assured that your

account ending in [redacted] is now closed and will not be sent to

a collection agency, or reported

to [redacted]. If you have any additional questions or

concerns about this matter, please contact me at [redacted]

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 find out my account had been charged $95.92 by 5/31/2013; I am not authorize the trasation, I dont know the buyer and seller. I tried to dispute the amounts 8/26; 9/6; 10/23; 12/9; 12/31 four times for 7 monthes, I fax the document what the dispute department reqired 9/4/2013; 12/16/2013; but the company closed my case, because it took so long for dispute. I spoke to [redacted] (ID#[redacted]) to reopen the case, I don't know when can I get the money back,Desired Settlement: DesiredSettlementID: Refund

I had been the member almost 10 years with this company, they will lost my business far ever, and refund my money back. This company need to know who is the customer and need improve service skill.

Business

Response:

Dear [redacted],

I'm reaching out to you about your concerns to the Revdex.com about three disputed charges.

Our records shows that we've exchanged several phone calls with you about transactions billed to your account by [redacted] for $3.95 in April 2013, $89.97 on May 1, 2013, and $95.92 on May 31, 2013.

After a thorough review, we determined that you were not responsible for these charges. We've credited your account for $** and $[redacted] for the disputed charges. Any finance charges or fees related to these transactions were also adjusted. The adjustments leave the account with a balance of $[redacted]. We are mailing a refund check to the above address. You'll see these credits on your Febuary 2014 statement. The charge for $[redacted] was credited to your account on May 30, 2013.

If you have additional questions or concerns regarding this matter, please contact me at [redacted] extension [redacted]. I am available to assist you from the hours of 7 a.m. to 3:15 p.m. PT Monday through Friday. I'm glad to discuss this with you.

Sincerely,

[redacted], on behalf of Capital One

Review: On August 6th, 2013 I cashed a Capitol One Bank (COB) special check/balance transfer for a fee of ** upfront and ** apr for 1 year. I made monthly payments to ensure I would pay the total amount within the year at the **. Feb 14th, 2013 I cashed a second COB spec check/balance transfer after speaking with COB customer representative who assured me that the first balance would be paid off first leaving the remaining 8 months, Oct. 2013 through Feb 2014, to pay off the second balance. *First bal. offer dates Aug 6, 2012- Sept 21, 2013 *Second bal. offer dates Feb 14, 2013- April 21, 2014 On July 29 I called COB to ensure I was paying the correct amount to pay off the first balance. The representative was unable to to access the info needed and put me through to a supervisor who informed me I had no been paying the first balanced, my payments had been paying the second balanced leaving [redacted] first balance to go up to [redacted] in September. He also stated that this was their company policy. August 11,2013, I spoke with [redacted] who advised me that my payments should have been applied to my first balance as was explained to me before I cashed the second spec check. He then left me on hold as he could correct the mistake. When he returned he stated he was unable to make the correction and I would have to speak with senior account manager ([redacted]). [redacted] stated that my ** balance were "bumped" together and that he could not change the payments that went to the second balance. I insisted on speaking with another supervisor. I spoke to [redacted] who stated that I was right and the payments should have been applied to the first balance, that the company was aware of their situation and they were trying to correct it but there was nothing they could do to help me.Desired Settlement: Payments applied to the first balance.

Business

Response:

We explained payment allocation on the account and apologized for any incorrect information that may have been supplied. We advised that customers are unable to direct payments to specific segments, but we would explore potential options in order to assist her. We re-contacted our customer, extending an option to combine both special segments into one segment at ** long term (which will not expire). Our customer accepted this option and we requested this action to be implemented.

Customer service is very poor and appears to not be US based. Agents do not speak fluent English and do not appear to understand. The standard appears to be place caller on hold, transfer call, wait for caller to hang up, and/or disconnect call. If the US Mail correspondence I received from Capital One is legitimate, it certainly has a questionable appearance. Letter states I may be a victim of identity theft, so one would think Capital One could have a more reassuring process for consumers.

Review: On June 6, 2014, I obtained a copy my Transuinon, Equifax and Experian disclosure file and learned that a hard inquiry was listed in my credit files from Capital One Auto Finance, Plano, TX on 2/6/2014 with a reference number [redacted]. I contacted Capital One Finance at [redacted] and spoke with the fraud department. I learned that an application was submitted online using my personal information. I also learned that the perpetrator had provided an incorrect address, telephone number, email address that was not my information. I was advised to file a dispute with the credit bureaus. The credit bureaus advised me that hard credit inquiries cannot be disputed and that I would have to contact the merchant to dispute. I contacted Capital One Auto Finance shortly and was advised to mail a copy of the details regarding the unauthorized inquiry and that Capital One Auto Finance would flag my personal information in the event another application was submitted. On 6/14/2014, I received a letter from Capital One stating that based on there investigation of my records, Capital One believe that their original determination is correct. I contacted Capital One on 6/14/2014 at [redacted] and spoke with a Supervisor named [redacted] ID# [redacted] who advised me that she did not understand the letter and could not provide me with any information regarding the nature of the reference number or content of the letter and that the letter was most strange to her.

Never did I authorized anyone to use my personal information to assume an auto loan with Capital One Auto Finance for 2/6/2014. It arbitrary that Capital One Finance would force me to accept this fraudulent and unauthorized activity as if this was me. I am appalled that Capital One Auto Finance would hold me responsible,as I have provided their company with the required information.Desired Settlement: I am requesting that Capital One remove the hard inquiry from my Transunion, Equifax and Experian credit file, as I have no association with the application whatsoever. Also, I am requesting that Capital One Auto Finance issue me an apology for taking me through all of these steps to clear my name of such activity.

Business

Response:

Dear [redacted],

We have reviewed the situation explained in your complaint to the Revdex.com and would like to address your concerns.

Thank you for bringing this matter to our attention. We would like to take this opportunity to apologize for your experience. We want to assure you that we are committed to providing superior quality service to all of our customers. We regret that this was not the case with your concern.

Our records confirm you contacted us on May 30, 2014, and advised that you did not submit an application for financing and requested that our credit bureau inquiry be removed. The correspondence, dated June 2, 2014, was in response to our investigation in which we confirmed the application was fraudulent. Pursuant to your request, we submitted a request to remove our inquiry.

In most cases, updates take up to 10 business days to be reflected on your credit report. However, the credit reporting agencies may take up to 30 days to process the updates.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted].

Sincerely,

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: I have been in contact several times with Capital One about this. I am seriously considering legal consultation about this as well. Back in October, we apparently had a balance on our bill. However, we never got a bill. The company never bothered to contact us about this until December 23, 2014. They claimed we never got a bill because we switched the account to paperless billing. I can assure you this is not the case, my wife is the primary card holder and it would go to her email, but I am the one who does all the bills and files them. If it got switched to paperless billing it would either be my account was hacked, which there is no other sign of that happening, or a server error. I am even willing to admit maybe I did accidentally click on the wrong thing. I am Not aware of any such action. We in turn then called them as soon as we got the letter, told them what happened, they put us to a supervisor. The supervisor in turn waived all fees and we paid the balance - I want to say it was $105 in full. We then asked them if they had reported to the credit bureau to please tell them that this was a mishap, not calling fault, but that it was paid in full and corrected. Me and my wife both have credit scores in the 800's also, we are very careful and never intentionally pay our bills late. They have refused to do so, and after my conversation today with another supervisor who was very snooty to me on the phone, said flat out that it could never be their servers fault and that I am to blame. They would never report to the credit bureau and that I am wasting my time basically. So basically, they stopped sending me a bill, never notified me of the balance due ( I really thought I had paid it in full ), then go and report to the credit bureaus, 2 months before they even send me a letter to say that there is an outstanding balance !Complaint concerns: a Credit CardDesired Settlement: I want them to send a letter to the three credit bureaus and just say that it was an error an no fault, the account was not intentionally delinquent . That simple.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], This letter is in follow-up to our conversation on February 12, 2015, regarding your request to remove the past due payment from December 2014, that we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian. We’re glad to share more information about this. As discussed, the December 2014, delinquency was removed from the account on January 10, 2015. I have confirmed your account is reporting as open with a zero balance and no delinquencies on your credit profile. If you have additional questions, please give me a call at 800-955-1455, I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m happy to help any way I can. Sincerely, [redacted], on behalf of Capital One