Capital One Financial Corporation

Review: This is on behalf of client. The client has requested Capital One clear erroneous balance. With each request, Capital One responded with an auto response, ignoring the request of the client. Capital One failed to correct Capital One errors, and instead ran up erroneous fees. Capital One does not respond to the client with logic or an attempt to resolve the situation, but rather, only with pre formatted replies.Desired Settlement: 1)Make all information accurate and positive with relation to credit reporting bureaus and/or agencies. To clarify, that means that Capital One needs to let the CRB/CRAs know that the client has always paid on time and has never had a past due balance. If Capital One has information that suggests otherwise, they still must do #1 because of their failure to provide such information in a lawful manner to the client 2) Clear the balance 3) Place a $724 credit on the account for billable hours as of this writing. 3) Keep the account active

Again, Capital One has failed to respond lawfully to correspondence processed via [redacted] in accordance with law, and has further failed to respond to correspondence through the Capital One online messaging system. For the purposes of this complaint, an copy/paste/auto response does not qualify as a valid effort on behalf of Capital One to provide simple customer service. All auto generated responses evidence Capital One refusing to process a consumer question.

Business

Response:

Dear [redacted],

l'm reaching out to you about a complaint sent to the Revdex.com about the reporting of your account to the Consumer Reporting Agencies, like Equifax and Experian. It appears that the complaint was submitted on your behalf by your representative.

I was unable to verify receipt of a notarized Power of Attorney (POA), Attorney in Fact, or Authorized Notice granting anyone other than you permission to discuss the account. In order to assist you further, please provide a copy of any of the aforementioned documents. You may mail the requested information to my attention at the address above, or you may fax the information directly to me at [redacted]. Upon receipt of this information, we will continue our research and provide you with a response.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 6:45 a.m. to 3:15 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 document made by the business (Capital One) in reference to complaint ID [redacted]. However, there exists no offer. Capital One chose to avoid fixing their simple error and instead waste the time and resources of their own company and of [redacted]. They continue their violations and consumer harassment through various means, including and not limited to the US Postal Service. To illustrate the lack of effort and communication on behalf of Capital One: Capital One continues to extend various offers of credit via the US Postal Service, yet entirely refuses to solve their simple billing error. If Capital One had any information contrary to what [redacted] initially contacted them with (and as provided to the Revdex.com), they could have furnished it anytime over the past 6 months. Instead however, Capital One chooses to report false information to the CRA/CRBs. Capital One could have a regular CS agent spend a few minutes to solve their problem.

Regards,

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: I have paid in full my product two months ago and did not receive my title. we called several times to request when we were going to receive our title and we have never received it we held our end of the deal by paying in full on january 5th 2015 we would please like to have our title it should not have taken this longComplaint concerns: OtherDesired Settlement: we would like to have our title for our [redacted]

Business

Response:

Revdex.comNo: [redacted]CapitalOne Case: [redacted] Ourcustomer is concerned about not receiving the title on her motorcycle. Thecustomer filed a Revdex.com (Revdex.com), complaint. Our research shows onJanuary 22, 2015, we sent the title to the address we have on file, but onFebruary 23, 2015, we received a call from the customer to let us know thetitle was not received. On February 24, 2015, we sent a new title and it wasreceived by the customer on March 4, 2015. On March 4, 2015, we called thecustomer and provided her with the case resolution. The customer was satisfiedwith the case resolution.

Review: I received a 1099-C for a debt they dismissed. I have never had a credit card from this company and have never been contacted about this debt until receiving the 1099-C. I tried calling Capital One and they could not find me or my Social Security number in their system. So where did the 1099 come from. This account has never shown up on my credit reports.Desired Settlement: I would like them to correct this with the IRS and cancel the 1099-C they sent them.

Business

Response:

Dear [redacted], I am reaching out to you about your complaint to the Revdex.com, about an IRS 1099-C tax form you received and the validity of your account. We value your feedback, and we’re glad to share more information about this. My research confirmed that your account was originally a Best Buy account that was opened with [redacted] Bank Nevada, N.A. on March 7, 2007, through online application. [redacted] Bank sold the majority of their North American credit card portfolio to Capital One on May 1, 2012, including this account. At the time of sale, Capital One became the legal owner of the account. In response to your complaint, our Fraud Department conducted an investigation into this matter. Based on this investigation, we’ve determined that the account ending in [redacted] is a valid account that belongs to you. The account was opened using the address [redacted], which links to you in public records. In addition, your account profile was updated for other addresses that also link to you in public records, specifically [redacted]

[redacted]. We have also verified that the date of birth and social security number on the account belong to you. Based on this information, we’ve been able to verify that this is your account. In your complaint, you indicate receiving a 1099-C for the tax year 2014. Due to delinquency, [redacted] Bank charged off this account on February 28, 2009, with a balance of $1,650.32. Before selling its credit card portfolio, [redacted] Bank attempted to collect this delinquency balance from you through litigation. On June 17, 2011, [redacted]., the law firm representing [redacted] Bank, dismissed that case without prejudice and sent you notice of this dismissal (copy enclosed). Please understand that this dismissal did not invalidate the debt. On December 31, 2014, we made a voluntary decision to stop attempting to collect this outstanding amount from you. A 1099-C was issued to you on December 31, 2014, for the amount of $1,650.32, since we are no longer collecting upon your account. I have also confirmed that we are no longer reporting this account to the Credit Reporting Agencies (CRAs). If you have additional questions or concerns, please contact me at [redacted]. I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday. Sincerely,

[redacted], on behalf of Capital One

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: 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: 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 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: 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: 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 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: 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.

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: 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: 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: 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: On August 17, 2013, I filed a cmplaint because I knew I had two accounts in collections. Thanks to the Revdex.com the problem was solved, but when I disputed these negative information with the credit agencies, this was not the problem. I received an answer from the three agencies stating that these accounts were not in my credit report. However, [redacted] kindly sent me a credit report where I found out that the problem was another account I never opened and is affecting my credit. This account comes from Capital One Bank, and this is the information:Original creditor CAPITAL ONE BANKAddress identification number [redacted]...Partial account number [redacted]...Date opened May 2012First reported July 2012Date of status July 2012Credit limit of original amount $665Recent Balance $665 as of Oct 2013I,then, tried to get information from the bank such as Where was the account opened?, When was it opened?, what documents were signed to obtain the card?, what documents did the individual who opened the account provided the bank with?, where and when did the credit card was used?, how much money was spent? and why If I supposedly had their card I was not sent a statement? I only learned about this a year and a half later. Now, the person I spoke with at the bank says that they cannot answer any of my questions because all the information I need to know belongs to the collections agency. My husband called the agency but nobody answered, and the person we spoke with at the bank witnessed it. Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to have my questions answered to prove I did not opened that account and as such get it eliminated.

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted]

I’m reaching out to you about your complaint filed with the Revdex.com, regarding an account that was opened without your knowledge. We value your feedback, and we’re glad to share more information about the above-reference account. Thank you for taking the time to bring your concerns to our attention. Our Fraud Department has conducted a thorough investigation in response to your identity theft claim related to this account. Upon completion of this investigation, it has been determined that the account is valid. My research has confirmed that the account was established on June 27, 2002, via a mailed in application. The address we have on record, [redacted], has been validated to you via public records and is the same address shown on the documentation you sent to us. We mailed billing statements to this address and have no record of having received any returned billing statements or other mail that we sent to this address through the U.S. Postal Service. On December 31, 2007, the card was activated. The card activation requires that the caller pass verification and provide a Personal Identification Number (PIN). The PIN information was sent to the same address that matches public records, as well as, the address on the account.

The last transaction on the account was on December 31 2007, which was a cash advance in the amount of $200.00. The cash withdrawal was taken within a [redacted] located approximately 13 miles from your address on record. This type of cash withdrawal requires the

card to be present along with a state issued ID, prior to disbursing cash. We have verified that you also have a [redacted] account reporting to your credit profile. There have been 6 payments made to this account by money order between 2003 and 2004. Additionally, you contacted us on April 6, 2009, by telephone, in an attempt to make payment arrangements for this account. We have determined that this debt has been validated and that the debt to be yours. It is our recommendation that further attempts to settle this debt be made with the debt buyer. Below is the information of your debt purchaser.

We understand you would like us to modify the information we reported about your account. Our records show that your account was charged off and sold, and we’ve confirmed that we’re reporting accurate information. This information is reporting to [redacted] and [redacted]. This

information is no longer being reported on [redacted]. I’m sorry if this isn’t the outcome you were hoping for. We will not be adjusting our reporting.

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

Sincerely,

[redacted], on behalf of Capital One

cc: Revdex.com

Review: They call my house from 8:30 a.m. Untill 8:30 or 9:00 p.m. Everyday including SAT and Sun. They also call from different numbers this insane. I know I owe the bill but this is harrassment.Desired Settlement: Stop calling me once a month will be more than enough. The only reason I dont pay is they will not leave me alone. When I pay onit they will still call. Enough is enough.

Business

Response:

Dear [redacted],

I'm reaching out to you about calls you have been receiving. We take your concerns seriously and I have some good news to share.

We have placed a do not call restriction on your account. Also, we are showing that you have currently secheduled payments for your account that will bring the account current. Congratulations on getting your account back on track!

If you have any questions or concerns, please give me a call 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]. [redacted]

Office of Executive Resolutions

Capital One

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: I disputed 2 charges on my credit card, capital one refunded the money, then the company I disputed refunded the money, capital one then took back their refunded money since the disputed company did their part. Disputed company says I owe them money since I was refunded twice. I called in November 2014 to ask for a letter of proof of transaction history, they said they would mail a letter. Called 5 times in January 2015 requesting same info, every time I'm promised a letter with the info requested by fax and by mail, and every time nothing is faxed or mailed to me. The dispute company is sending me to collections because of this issue which is not my fault. I have names, dates and times of all calls to capital one, I was told to trust them and that it would be taken care of. This is beyond ridiculous, this company need to send the document with the proof I was not refunded twice.Complaint concerns: a Credit CardDesired Settlement: I want documentation of the dispute charges and transactions from July 2014 proving that capital one took back the refunded money they had put on my credit card after disputed company paid for the 2 returned items to [redacted].

Business

Response:

Re: Account ending in[redacted]Capital One Case Number [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in response to a complaint we received from Revdex.com, about your request for proof of merchant credits issued to your account. I’d like to share more information with you. To bring this matter to close, as a courtesy, we have issued additional credit to the account totaling $106.64, from [redacted], as follows: ? $79.98, [redacted] ? $53.32, [redacted], (lump sum credit received for 2 charges dated July 2, 2014 for $26.66 each) These credits will appear on your March billing statement. Allow me to explain further. On July 30, 2014, we received your online dispute request for $79.98 from [redacted]

[redacted] dated July 3, 2014. You informed us that you had returned the merchandise on July 18, 2014, within the merchant’s policy as the item arrived Not as Described. On August 1, 2014, [redacted] issued two credits, totaling $133.30, as follows: ? $79.98, [redacted] ? $53.32, [redacted] (lump sum credit received for 2 charges dated July 2, 2014 for $26.66 each) On August 3, 2014, we processed chargebacks against [redacted] totaling $106.64 in credits, for the same reason of items arrived Not as Described, as follows: ? $79.98, [redacted] ? $26.66, [redacted] The total credit of $239.94 for the above listed items reflects on your August 2014 billing statement. I have enclosed a copy for your review. To clarify, the merchant never responded to our above presented chargeback credits. The transactions did not rebill, resulting in your account having received two credits for each disputed charge. In order for [redacted] to be rebilled, they would have needed to represent the chargebacks claiming credit was issued. Since they never responded, the credits remained on the account. In your complaint, you mentioned that you contacted us in November 2014, to request a letter of confirmation of the merchant issued credits. Our records show on November 21, 2014, you had contacted our offices to let us know that [redacted] was going to rebill the account based upon the previous credits that resulted from our chargeback credits. I am unable to locate record of your request for a letter. You also let us know that you contacted us five times in January 2015, to request a letter of confirmation of the merchant issued credits. Our records show on January 13, 2015, you had contacted our offices to request the previous dispute letters to be faxed to you at [redacted]. Our records show we provided copies of our previous dispute letters both dated August 3, 2014, to you on January 21, 2015, and January 22, 2015. I have enclosed copy of these letters for your review. On January 30, 2015, I confirmed that [redacted] rebilled the account for $79.98, which cancels out one of the two credits issued from August 2014. I would suggest contacting the merchant direct to inform them that they may rebill your account for the original transaction for $26.66 dated July 2, 2014, based upon both the two sets of previous credits and the additional courtesy credits, listed above. If you have questions or concerns, please give me a call at 800-955-1455 Monday through Friday from 8:30 a.m. to 5 p.m. I’m glad to help in any way I can. Sincerely, [redacted], on behalf of Capital One