Capital One Financial Corporation

Review: I auto financed a [redacted], while the car was in my possession it was recalled by the factory due to the many accidents the car was causing people, non-working breaks etc. When I returned the car I was told that it would be taken off of my credit, and it has not been done and now it has become an inconvenience because it ruined my credit score and leaving me unable to get loans and find a new apartment. Can you please help me through this situation?Complaint concerns: an Auto LoanDesired Settlement: Have the auto loan removed from my credit.

Business

Response:

February 9, 2015 Dear Ms. [redacted], I am writing you today regarding the situation you explained to the Revdex.com. After a thorough review of your account, our records indicate you contacted Capital One Auto Finance on February 4, 2014, and February 5, 2014, stating you wanted to voluntarily turn in your vehicle. During that call, you were provided the consequences and repercussions of voluntarily surrendering a financed vehicle. We have validated that the vehicle was legally repossessed on February 8, 2014. Currently, the outstanding balance owed on this account is $6,615.85. Capital One will continue to attempt to collect on this outstanding balance. If you would like to discuss payment options in the satisfaction of this debt, please contact our Customer Service Department at [redacted]. A recall by the manufacturer on a financed automobile does not absolve the customer of the debt agreed upon in their executed contract. A recall is the notification to the customer that the manufacturer has deemed there are necessary repairs that they need to make to ensure safe operation of the vehicle. These repairs are done so at no cost to the consumer. Capital One has verified we are accurately reporting your account to the credit reporting agencies, per our legal and regulatory requirements. Based on this review of your account, we must respectfully decline your request to remove this tradeline from your credit bureau. We regret any inconvenience this matter may have caused you. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One Bank

Review: I was contacted by Capital One and told that my credit card information, as well as several thousand others, had been compromised and for the 5th time in 3 years I would need to close my account and have a card reissued. While I can appreciate that this type of fraud is happening more and more often in a world where data bases are hacked on a regular basis, I had one very simple question. Where was my data hacked? As a victim of the fraud, I have a right to know. I'm being told that I will not be given that information. This is similar to having my car stolen, the police stating that they know who stole it, but they will not tell me. I have called Capital One twice, engaged in 2 irritating chat sessions., asked for someone to call me with an answer to my question and have yet to have a call initiated by Capital One to me. I can only assume that either Capital One's data base was hacked and they don't want the word to get out or that they are protecting a large merchant who is more important to them than me. In fact, Stanley, the last person at CO that I talked to, told me as much, stating that merchants have rights, too or that maybe I could call local law enforcement and they could tell me. Really?? So patronizing and insulting.My complaint concerns: a Credit CardDesired Settlement: I want to know where my information was compromised.

Business

Response:

Dear [redacted], This is a follow-up to your request to the Revdex.com (Revdex.com) about information pertaining to a recent compromise. Thank you for your patience while we resolved this. We apologize for any inconvenience this may have caused you. Please allow me the opportunity to address your concerns. On September 11, 2015, Capital One received information that your account number, along with others, was compromised; however, we did not receive information on which merchant was compromised. Upon receipt of the information, we filed a lost/stolen report, closed your old account number ending in [redacted], and transferred your balance to a new account number ending in [redacted]. We understand that it can be frustrating when your account number changes when you least expect it. We strive to provide as much information as possible when these things happen. You stated that you spoke with one of our associates about the compromise and your experience wasn’t what you expected. We appreciate your feedback and we’ll forward this information to the appropriate parties. Because the source of the compromise is still under investigation, we are unable to provide where the compromise took place. Our Investigations Department will continue to monitor all risks and refer all necessary information to law enforcement. Rest assured, our Fraud Protection Department monitors our customer’s accounts 24 hours a day, seven days a week. We are proactive in safeguarding our customer’s information. If there is any suspicious activity on your account in the future, we’ll inform you immediately. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m glad to help any way I can. Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Capital One, hands down, has the best customer service out of any credit card I have ever had. They are very good. I only have positive experiences with them and they are always willing to help you out when you need it.
I recommend Capital One above any other credit card company out there.

Review: Capital One sends frequent card offers that we are tired of receiving. So we have called the number listed on the mailing that says we can call if we don't want to receive them. However, they seem to make it impossible to accomplish getting off this list. At different times we have been asked to spell the name, but the message does not offer sufficient time to do so. When we finally got through to a person after several attempts, the person was not able to hear us, oddly enough. I'm suspicious that they are trying to make it difficult to get off the list and stop receiving the offers.Desired Settlement: I would just like to stop receiving the offers.

Business

Response:

Dear [redacted]

Your complaint to the Revdex.com was forwarded to the attention of the Executive

Office for response. Please allow me to address your concerns.

Pursuant to your request to stop receiving mail solicitations from Capital One, I have removed

your name and address, as it appears above, from our mailing list. 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 at the address you provided us.

I am sorry to hear about the difficulty you had with attempting to opt out of solicitations using our

phone system. Please know that your feedback was instrumental in helping us to identify an

opportunity to strengthen our position on delivery of service, and has been forwarded

accordingly.

If you are receiving mail from us with any variations in the spelling of your name or address, a

separate request must be submitted. If you receive an additional solicitation that has a variation

to the address above, please call me and I will be happy to update our records for you.

We appreciate the opportunity to address your concerns. If you have any additional questions,

please feel free to contact me at [redacted]. I can be reached Monday through Friday, from

8 a.m. to 4 p.m. ET.

Sincerely,

[redacted] on behalf of Capital One

Review: received an offer for 1 year 0% interest they the promo early should be until September 2014Desired Settlement: DesiredSettlementID: Other (requires explanation)

want 0% for 1 year as advertised should end in September 2014

Business

Response:

Dear [redacted],

This letter is in follow-up to our phone conversation about your complaint to the RevDex.com. We’re glad to share more information about this.

Our records show that the promotional Annual Percentage Rate (APR) of 0% on purchases

expired on July 1, 2014. Since we were unable to locate a call where you were promised a 0%

APR on purchases for twelve months, instead of ten months, we issued a courtesy credit in the

amount of $128.00 to cover estimated interest charges for the August 2014 and September

2014 statements. On July 12, 2014, we credited $63.26 for interest charges billed on your July

2014 statement. These credits should appear on your August 2014 statement.

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

Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.

Sincerely,

Review: I obtained a secured (cash up front) credit card. I closed the account over 1 year ago and had an over $2500.00 that was supposed to be refunded to me via check. I have contacted Capital One "Customer Service" at least bi-weekly over the past 12 months and have been told that yes in fact I was entitled to the refund and was told to wait 2 billing cycles before I called back. Well it has been well over 2 billing cycles and have yet to receive my refund. I have spoken with numerous employees via telephone and have been assured "check is in the mail" on several occasion as recently as last week. However the check has never arrived. When I contact them again, it always, "we are sending out-check your mail in a few days". This is completely unacceptable and I feel my money is being "held hostage" due to no fault of my own.Desired Settlement: REFUND ASAP!

Business

Response:

A new check was mailed to the customer on October 24, 2013. I advised if she does not receive it by November 6, 2013 to contact me directly.

Review: The company changed my billing and payment cycle due dates when they closed my account due to fraudulent charges, and did not communicate this change to me. Upon discvoering it Sept 8th (after my statement should have run on the 5th) they stated that they changed it to the 23rd (with a payment date of the 20th)when they issued the new card, and that should have been explained to me (it wasn't). I reqeusted that it be changed back to my original dates which I selected because of my pay cycle. They said that I could go on line and change it if I'd like, hardly customer service. I did, and the payment date (the date by which they need their money) changed successfully to the 4th. Let's be clear - this means they have 7 weeks to record my charges, and gives me from the 23rd to the 4th to pay it. The cycle end date (which was indicated on the online service would be the 7th) did NOT change, and my statement has still not run. I requested that they change it (again) back to the 4th (payment date) and the 7th (cycle end date), and they stated that they would do so, but that it would take 2 billing cycles and that this one would still not run until the 23rd. In addition to not describing the change initially, or correcting it, they state that their system can't be changed. What's interesting is that the payment date changed immediately with no problem - the date that affects them. The client's preferred date takes 2 months. They are eager to cancel the card when someone is charging money they know they'll have to reimburse on behalf of the client, but when it's the clients money, they are unable to "override the system." This is disappoining, my experience with Capital One has been a good one until this point, probably because I diligently pay my bill and haven't needed their assistance.Desired Settlement: I'd like the cycle changed as quickly as possible, back to my original request of the payment due date of the 4th and the cycle end date of the 7th. In addition, I'd like a financial credit to my card for the inconvenience of having had to contact the organization 3 times for the same request, and for the financial burden that will be caused by having a nearly 7 week charge cycle.

Business

Response:

I spoke with the customer today (10/22/2013) and informed her that I will monitor her account till her cycle date changes back to the way it was. I also informed her that I will be waiving her September 2013, billing statement interest charge; along with waiving the October 2013, billing statement interest charge when it posted as well.

Review: On August 29, 2013 I did a settlement with capitol one. I disputed with the credit bureau twice that it was a settlement and capitol one has updated the payment but refuses to acknowledge this was a settlement on my credit card to all 3 bureaus. I am requesting that they honor the agreement I had in place. I even had the young lady fax me a settlement agreement. Now I am getting the run around please update my credit bureaus file to reflect what we agreed to paid in full /settlementDesired Settlement: DesiredSettlementID: Other (requires explanation)

For Capitol One Credit card to Honor the settlement and send all 3 credit bureaus information showing it was a settlement.

Business

Response:

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

Review: I called capital one on 5/17/15 to pay my credit card account.They stated that they don't accept prepaid credit cards and it must be linked to a bank account.I asked if they accept money gram and they stated yes. On 5/18/2015, I called them and they told me the receive code and the account number to put on the paper work and the city and state.Captial one(Credit Card Department) has not applied my money to them from a wireless transaction to money gram.I have called them more than 10 times to apply the money to my account.They have been lying to me and don't want to credit my account and only charge me with penalities and late fees. I sent the money to them on 5/18/2015 and have called them with the receive number.I have called them for 5 days and approx. 12 phone calls and spoke with supervisors and they promised they will fix it and waive all late fees and penalities because my founds were miskeyed in the system.They claimed they have the receive number and would trace the funds and apply them to my account.However, they continue to charge me with fees and penalities and have lied to me to resolve this issue.They continue to apologixe and state they will fix it immediately.But they have not fix nothing.They are not trust worthy and are only want to charge me with fees.As of today 5/24/15 they have not applied my money to my account. I later learned that the customer service rep on 5/18/2015 gave me in accurate information on filling out the account number to wire the funds and the funds went to the wrong account.However, they received the receive code and fail to investigate the matter and apply the funds to the proper account.I called them 5/18,5/19/15,5/21/15, 5/23.2015 and spoke with supervisors who lied about correting the matter and waiving the fees,Desired Settlement: Capital one(credit card) first needs to update my account as paid and post the payment made to my account on 5/18/2015.They need to waive all penalities and fees due to the incompetence of their customer service rep on 5/18/2015 giving me inaccurate account information to pay the money gram with. I don't want this company trying to report to credit bureau that I'm not paying despite the receiving the payment.If they need receive code again.Please call me if needed for this investigation

Business

Response:

Dear [redacted], This letter is in response to the request we received from the Revdex.com (Revdex.com) about your Capital One credit card account. You asked us to investigate a payment you made using [redacted] on May 18, 2015. We contacted [redacted] about your payment and found a $25.00 payment that matched the receive code provided. However, the account number you listed for the payment is not a Capital One credit card account number. Without an accurate account number, we could not process your payment from [redacted]. We suggest that you go to your nearest [redacted] location and request a refund. The reference number for the payment is [redacted]. We did receive a payment for $25.00 on May 25, 2015, and a payment for $50.00 on June 15, 2015. Your account is now current and no payment is due until July 18, 2015. Since you contacted us about your concerns, we have posted two $25.00 credits to your account for past due fees, interest credits for $1.03 and $17.94, and an additional $50.00 credit as a courtesy. This account has not been reported as past due to the Consumer Reporting Agencies, so the delay in receiving your payment will have no impact on your credit files. I am sorry that your experience was unsatisfactory and want to thank you for your patience while we were working to get your concerns resolved. If you have other questions or concerns, please call me at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six-digit phone PIN available: [redacted]. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I purchased a Vehicle through Capitol One Auto Finance with the stipulations that I use there Car Dealers specified on there Web Site and two (2) other guidelines. #1 The Vehicle is a 2007 or later and #2 The Vehicle must have less then 70,000 miles. Reference #[redacted] My son and I were both named on the loan. I signed the check prior to my son leaving to Las Vegas and we were told that he could pick out a Vehicle using the above guidelines. My son found a [redacted] with less than 54,000 miles on it at one of there approved dealers and proceeded with the purchase process. I was told he was at the point of requiring proof of insurance. I purchased the insurance and had the proof of Insurance sent to my son.

My son signed the check and left with the keys in hand driving the Vehicle.

Over 12 hrs later I received an email from Capital One Auto Finance explaining I need to provide further documentation. I called them immediately to find out what was going on and they explained to me that the Vehicle my son picked out did not qualify for the loan because the Loan to Value was not 110% of the loan. I feel that the Car Dealer should have know the above conditions to include the Loan To Value and I want this loan approved as is due the fact my son has driven the vehicle off the lot and I have purchased the Insurance...Desired Settlement: I want Capital One Auto Finance complete the deal with there approved dealership and the purchase of this [redacted].

Business

Response:

Dear [redacted],

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

We sincerely regret to hear that our blank check process did not meet your expectations. Our records confirm that the enclosed blank check package that we sent to you on April 5, 2014, contained details regarding the Loan to Value ('LTV") requirement. On May 1, 2014, your blank check was presented for deposit, prior to the dealership confirming the selected vehicle met LTV requirements, and was returned.

On May 3,2014, we received a call from [redacted]. They explained that you located another vehicle to purchase, and requested a new blank check. We told the dealership that we would need to confirm your desire to proceed with the application with you directly. Your blank check offer is valid through May 19,2014. Please contact our Loan Originations Department at [redacted] to proceed with your blank check application.

We regret any inconvenience this matter may have caused you. We thank you for your interest in Capital One, and look forward to servicing your future financial needs. If you have questions regarding this specific response, I can be reached at [redacted].

Sincerely,

Office of the President, Financial Services

Capital One

Consumer

Response:

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

It sounds that [redacted] Office of President truly believes that this problem is my own... I did receive the documentation with the Blank check and I am not only dissatisfied with the blank check process, but with whom I spoke with at Capital One Auto and its named Dealerships.

Review: A 19.00 annual fee was added to my account to an account in process of being closed. I held a chat session with [redacted] to try and resolve this issue and was told that the annual fee won't be refunded until the account is fully closed. The following is the Chat session I had with [redacted]. One piece that is frustrating for me is what purpose does the chat session serve if they cannot resolve account problems?

Chat InformationWelcome to our Capital One chat service! One of our Account Specialists will be right with you. This chat will be monitored and recorded.

Chat InformationHi, this is [redacted]. Whom do I have the pleasure of chatting with today?

you: What is the $19 charge on my account dated 8/16?

[redacted]: Hello there.

[redacted]: Glad to have you on chat!

[redacted]: Let me access your account and check that for you.

[redacted]: In order to access your account, please provide your name (exactly as it appears on your credit card), zip code, date of birth and last four digits of your Social Security number.

you: [redacted], [redacted], [redacted], [redacted]

[redacted]: Thank you for waiting. I'll be with you in just a moment.

[redacted]: Thank you.

[redacted]: To ensure I have the correct account can you please provide me with the last four digits of your Capital One account number?

you: [redacted]

[redacted]: Thank you. Please bear with me a moment while I review your account information.

[redacted]: Thank you for your patience.

you: From what I can see is that this appears to be an annual fee that was charged on a closed account.

[redacted]: After reviewing your account I see that charge is annual membership fee.

you: Why would an annual fee be charged when one was charged and removed in March?

[redacted]: I understand your concern.

[redacted]: I am sorry for the inconvenience caused.

you: Will the fee be removed?

[redacted]: I see that your account is the process of closing.

you: Yes, and no fees should be charged during that time.

[redacted]: Once the account is completely closed, The annual membership fee will be automatically refunded, [redacted].

you: Um, no. In March I was billed 19.00 and it was refunded back. If you are correct, the annual membership fee should have happened in March not August.

[redacted]: I am really sorry for the inconvenience caused.

[redacted]: In that case, please contact our account specialist on [redacted] there will be an account specialist who will be glad to assist you in solving the issue regarding the annual membership fee, as we do not have the option to waive the annual membership fee.

you: Why is that?

[redacted]: I am sorry through this channel I am not able to take care of the annual membership fee, I request you to please contact the above number they clarify you immediately.

you: Then may I ask what service you provide on chat?

[redacted]: I am sorry to say that we can only provide only about annual membership fee. Please contact our specialized department on the above they will glad to help you, [redacted].

you: You actually didn't answer the question...

[redacted]: I am really sorry for the inconvenience caused.

[redacted]: One moment please.

[redacted]: Let me clarify this for you.

[redacted]: I see that annual membership fee is charged for you on 3/16/2013.

you: Which was refunded back...

[redacted]: Just to clarify, when exactly did you request for closing the account?

you: not sure exactly when, possibly shortly before/after the annual membership fee charge

[redacted]: I'm sorry for the delay. I'll be right with you.

[redacted]: Thank you for your patience.

[redacted]: From the date of account closed, if the balance on the account is not paid in two billing cycle any annual membership fee waived on your account will be reassessed.

you: It is my understanding that Capital One cannot bill an annual fee unless it is for an active account. I closed my account because of the annual fee.

[redacted]: I definitely understand your concern.

you: It is my understanding that if you don't agree with the terms and conditions you close your account to prevent the additional charge.

[redacted]: I still that the current balance is $732.60, since you have carried the balance even after by requesting to closing the account the membership fee was reassessed.

you: In August?

you: Annual fee is annual...

[redacted]: As per the condition, the balance was not paid for two billing cycle, so the waived annual membership fee charged on 3/16/2013 is reassessed.

you: Wouldn't that have been 5/16 that the two cycles would have been not 8/16?

[redacted]: From the time of closing the account, if the balance on the account is not paid in two billing cycle any annual membership fee waived on your account will be reassessed.

you: What section of the credit card agreement are you pulling this from?

[redacted]: I am really sorry to say that these are the terms and conditions for annual membership fee, [redacted].

you: Please re-read my question, if you are quoting from the terms and conditions then it must be in the agreement. Where are you getting this from?

[redacted]: I request you to please check your terms and agreement of your card, [redacted]. You will be able to find the full information's on that.

you: When I closed the account, which is being reported as closed on my credit report, I opted-out of continuing to pay the annual fee. Annual fee's are for active accounts that are being used. When I received information about my account it appeared as though the only time the card would have a annual fee is if I used the card again after the requested closing.

you: So, it goes back to my previous question. If you can't provide specific answers nor process refunds, what service do you provide?

[redacted]: If your account has a membership fee and you ask us to close your account, we will refund any membership fee charged to your account within 30 days of the date we mailed you the statement with the membership fee. If you do not pay all charges on your account within 90 days of your request to close your account, or if you use your card or account, any membership fees we previously waived may again be charged to your account.

[redacted]: That is the reason you have been charged with the annual fee again.

you: That doesn't appear to be legal.

you: However, you did appear to partially answer my question

[redacted]: As per the card agreement you have been charged with the annual membership fee again.

[redacted]: I request you to please check your card agreement, you will be able to find the full informations.

you: A card agreement that I cannot currently see. Something is currently wrong with the Capitol One website, hence why I am specifically asking for the section and paragraph so I can refer to it when I am able to.

[redacted]: You actually have the option of requesting a copy of your customer agreement online. I would be more than happy to walk you through the steps!

[redacted]: Would you like me to show you how to do this?

you: I have been having problems navigating in the Capital One website. I'm not sure what is going on there. I know how to request a customer agreement; however, my question still stands. Where are you quoting from?

[redacted]: That is as per the terms of the account that when you close the account the membership fee is reversed if you close the account within 30 days from the fee being charged to the account, but for that not to be recharged to the account you would have to pay off the account balance within the next 2 billing cycles from the date you close the account with us.

[redacted]: As the account balance was not paid off completely within 2 billing cycles the fee was reassessed to your account.

you: I asked where, not what.

you: Where in the agreement, not what.

[redacted]: You can request the copy of that agreement with us online, or else I can issue you a copy of your card agreement.

[redacted]: Would you like me to issue you a copy of that for you?

you: Do you not understand my question?

[redacted]: II do understand what your point is, and I have been referring to the account terms and been explaining the same.

[redacted]: *I

you: Please explain to me my question if you clearly understand it.

you: And why you are unable to cite the location of what I am asking for in the agreement.

[redacted]: [redacted], through this chat channel I would not be able to guide you to the exact location of the card agreement. As the card agreement differs from one account to other.

[redacted]: You would have to have a copy of that issued to you so that you can check the card agreement details.

[redacted]: Only on the card agreement details you will find this information.

you: Thank you. This is what I already knew and this is what should have been said a while ago.

Last text message received[redacted]: You're welcome.

Business

Response:

We have responded to the cardmember by telephone on August 21, 2013. The matter has been resolved in the cardmember's favor.

Review: This is a Capital One Bank complaint. First, I would like to indicate I did try to resolve the issue with a phone call on 3/25/2015, with [redacted] at 12:05pm without success. She claimed that with limited asscess to my account it was impossiable for her or her supervisor to see the activitie.

Okay, here is the issue Capital One has been fraudulently charging my account from 2008 thru 2012. for cash advance purchases that were never madeon my account at a high interest at a rate of 24.90%. They list it under the monthly interest charge as INTEREST CHARGE CASH. My problem is I have tracked as far as 3/10/2010 on my monthly statements a total of $67.46 but I can't see my statements from 2008 till 2/03/2010. What this means to me is if I have been false charged cash advance charges then my balance is high therefore I paided more interest than I should have.

I believe Capital One Banks owes my about $100.00 in credit.

Capital One Platinum # 69560

I was in the process of paying off my account when I noticed the erroneous, fraudulently charges. This company is so deceiful with it unetical practices, I just had to file this complaint plus I want the money owed that was stolen from me.

[redacted]Complaint concerns: a Credit CardDesired Settlement: Refund of 100.00 plus letter of apoligy

Business

Response:

[redacted]I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) about thefinance charges that were assessed on your account for a cash advance you obtained in 2008.I’m happy to share more information with you.We have reviewed the payment history on your account, and determined that the payments youmade were applied appropriately, and in accordance with applicable law and the terms of youraccount. Nevertheless, we have applied a $100 credit to your account as a courtesy to you.Our records confirm that the cash advance you obtained on June 11, 2008, was paid off duringyour June 2012 billing cycle. Since June 2012, your account has not been assessed any financecharges on cash advances because you did not have a cash advance balance on the account.When a customer pays only the minimum payment required or an amount slightly higher eachbilling cycle, and continues to carry a balance and make transactions during subsequent billingcycles, it can take longer to pay off the account balance. An illustration of this is included in thedisclosure at the top right hand corner of your billing statement. For your convenience, I’ve[redacted] your April and May 2015 billing statement.In case it is helpful, I’ve [redacted] a copy of your Customer Agreement, which has additionaldetails on interest charges and how payments are being applied to your account. Generalinformation regarding interest charges also can be found on the back of your billing statements.For your convenience, as noted above, I’ve [redacted] a copy of your April and May 2015 billingstatement.If you have additional questions or concerns, please give me a call at [redacted] Mondaythrough Friday from 7 a.m. to 3:30 p.m. PT. I’m glad to help any way I can.[redacted]

Review: I have had a capital one card for well over two years. I started with there credit steps program and recurve done credit line increase within the first 6 months. I've asked several times for an increase with the same answer "your account is not eligible" as well as not providing a credit increase I've asked for my yearly fee to be waived. I was told this was for the services you receive. I don't feel like I receive any services from capital one and feel as if I am being charged this yearly fee unfairly.Desired Settlement: Increase credit limit and waive fee

Business

Response:

We have responded to the cardmember by telephone on October 3, 2013. The matter has been resolved in the cardmembers favor.

Review: Capital One restricted our credit indefinitely due to ONE returned check. Spoke with [redacted] at 3:25 PM Sunday 05/19/201 and he stated and he said This is the BEST Capital can do, really, this is the BEST they can do on a 500 dollar credit line. Then we are transfer to a guy named [redacted] and he states and says the account has been revoke because of bad debit NOT because of the history of this account. How come nobody over there knows what is going on at Capital One with our business account. I have had this account for over 6 years at a 500.00 credit line without ever getting an increase and this is the BEST Capital One can do for their Business Customers. This is a shame that this bank does business this wayDesired Settlement: Restore the account back to normal immediately would be a first and good start.

Business

Response:

Business

Response:

The customer sent a follow-up complaint regarding her account being restricted. We were able to remove the restriction on the account and restore to unrestricted status.

Consumer

Response:

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: [email protected]. Please understand that nobody would help me at all unless I filed this complaint with the www.Revdex.com.org , supervisor's could not even help me and I was informed to file this complaint with the www.Revdex.com.org , which should not be the case, I was told repeatedly that a restricted card can never be unrestricted and I would have to reapply when that is not the case ether, with a zero balance on my accounts. Please upgrade your service to prevent www.Revdex.com.org complaints, Capital One has thousands of www.Revdex.com.org complaints, with better customer support this complaint would have never been filed. That is the goal NEVER to file a complaint in the first place because your customer service is that good, but the customer is NOT that good at Capital One and needs to be improved going forward. I was told about three different answers so please use this responds to improved the needs and value of being a Capital One card member, thank you very much.

Regards,

Review: I filed a dispute case with capitalone360 on November 29th 2013 for a charge of $839 by the merchant [redacted].I booked a round trip flight ticket from the merchant ([redacted]). Due to some visa requirement on the return flight I attempted to call the merchant ([redacted]) multiple times as well as emailed them well in advance but couldnt connect to any customer service rep. Merchants website does state that a customer can call customer service to make any changes. Moreover, I contacted [redacted] who was the airline company and they had denied to make any changes and told me to contact [redacted] where I booked the ticket from. On February 3rd I heard back from the capital one 360 dispute department after almost 60 days stating the dispute went against my favor.Due to no customer support and unable to process my request, I couldn't fly with the ticket and had to pay for another one. Due to the reasons mentioned the transactions is invalid.

Product_Or_Service: Flight ticketDesired Settlement: DesiredSettlementID: Refund

Receive credit for half the ticket which is $419.50.

Business

Response:

Dear [redacted]:

We were recently notified by the Revdex.com (Revdex.com) of your complaint about the dispute process for a transaction that posted to the account ending in [redacted].

As explained in our February 21, 2014, secure message to you, after viewing your dispute with [redacted], we confirmed the dispute was handled properly and we're unable to make an exception. We recommend that this matter be resolved with the merchant directly.

Since you indicated that you're disputing the transaction for lack of customer support, please know that we have no recourse to recoup the funds due to the quality of goods and services. As a result, your dispute will remain closed.

I hope this letter explains the situation, but if you have additional questions or concerns on your Capital One 360 account, please reach out to us at [redacted], Monday- Sunday 8am to 8pm local time, or email us at [redacted].

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

Unfortunately, the merchant is not willing to resolve the issue and there is no other way than resolving this through the bank. There should be some sort of protection for a customer when using their bank card to pay for purchases and not putting their funds in jeopardy against a merchant like this one.

Review: I paid off my credit card account ending in #[redacted] yet Capital One continues to charge me fees. The account is closed and has not been used since last year. They should not be charging me fees. The fees are finance charges on purchases and cash withdrawals. As I said, I have not used the account since last year and have not made purchases or withdrawals on the account since then.Desired Settlement: I ask that Capital One refund the $10.05 in fees and to stop charging me on this closed account.

Business

Response:

Review: I have taken some cash three times during the same period (Aug 30 and twice on Sep 10, 2014) using my Capital One credit card (ends with [redacted]) and each time I was charged $10 Cash Advance Fee. There was no warning that I will be charged any fees and I have never taken cash from Capital One ATM before. I assumed that using Capital One ATM machines I will not be charged any fees or that I will at least see a warning saying that the particular transaction will cost me $10. It is normally the case that any ATM machine at least warns you about fees associated with a transaction. None of the receipts that I got for these transactions are showing any fees. In one case I needed $10 in Washington DC for metro and was charged $10 for the transaction (and $20 in another case). I request to investigate this issue as I consider it fraudulent practice when a person is not warned how much he or she will be charged for the transaction.

The representative from Capital One that I spoke to today (09/18/2014) refused to remove any of these fees.Desired Settlement: I am asking to refund these fees ($30) in full to my account. I also want Capital One to implement proper warning/charging system and receipts showing these charges

Business

Response:

Our customer is concerned with three cash advance fees that were billed to his account. The customer states that it was not previously disclosed to him that there would be a cash advance fee associated with an ATM cash withdrawal. I spoke to the customer on September 24, 2014, and advised that the cash advance fee is disclosed in the terms and conditions of the account. I explained that I would waive the cash advance fees totaling $30.00 as a one time courtesy and advised that the cash advance fee is 3% or $10.00, whichever is greater. Also, I informed the customer that cash advance transactions are subject to cash advance interest charges, which is a variable rate, currently 21.90%. The customer understood. He was satisfied with the resolution.

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 July 5, 2014 - I had applied online for a Quick Silver Master Card by Capital One and was instantly approved for $1,000. Since obtaining this card, I have used it responsibly and have made multiple big payments ensuring a below 30% utilization. Today is August 16, 2014 and till this date I do not see Capital One reporting my new credit card ending in ([redacted]) to all three major credit reporting agencies ([redacted]). In addition, I applied and was accepted for another 3rd party credit card (Barclays) on July 9, 2015 four days after my acceptance with Capital One's Quick Silver Master card - [redacted] appears on all three major credit reporting agencies ([redacted])

Capital One advertises reporting to all three major credit reporting agencies ([redacted]) - I have not see my new card ending in ([redacted]) included on any of my credit files.Desired Settlement: Capital One to report on all three major credit reporting agencies ([redacted]) of my new account ending in ([redacted])

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) concerning

the reporting of your account to the Consumer Reporting Agencies (CRAs). I’d like to take the

opportunity to address your concerns.

Our records show your account was opened with Capital One on July 5, 2014, as stated in your

complaint to the Revdex.com. Capital One does report your account monthly to the CRAs, but it may

take up to 60 days for them to update this information on your credit profile. We have confirmed

the CRAs have updated your credit file and the account is now reflecting with the agencies.

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

through Friday from 8 a.m. to 4:20 p.m. ET. I’m glad to help any way I can.

Sincerely,

Consumer

Response:

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

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

Regards,

Review: I have been a member of Sharebuilder for over 10 years. About 6 weeks ago, I called and spoke with several members and asked them to stop mailing documentation to me via mail. They offer an option that states that if you want everything sent to you by email to choose that option so I did. The mail kept coming. I called them and again asked that [redacted] mail be stopped and they said they had and that this info was coming from the companies I invested in directly. The mail kept coming. I put in an alternate address and the mail stopped and was being returned to Sharebuilder. I emailed them and told them that they had not told me the truth. If they were not sending me mail, why were they complaining to me that they were receiving mail returned from my alternate address. They have subsequently restricted my access to all my investment accounts. This is not good business and they will not resolve this mail issue on their endDesired Settlement: All I want is for all the paperwork to stop being mailed to me via [redacted] and that the option of email only (which I have selected on all my accounts) is applied to my investment accounts. They told me they did not mail it out but they are getting the returned mail so why can't they provide me the option I ask for. In the meantime, they have shut off access to my securities investments and that is not right. Thank you, [redacted]

This is one of the Worst credit cards I have ever used. I have started using this card in January. I paid my first bill before time. The next payment was scheduled for 02/08. Within a week of time (02/16) they hit my credit history and I lost 26 points. Other credit cards at least call / email to remind. But I didn't get any call or email from capital one. This is really disappointing. I have paid my rest of the bill and will never use this card anymore.