Capital One Financial Corporation

Review: This account was fraudulently opened

I have been fighting capital one bank card for awhile now. I was not the one who opened the account and they refuse to do anything about it I will not pay for something I did not do. this account was fraudulently opened by my ex boy friend and I told them this but still refused to do anything about it. All they basically said is I still had to pay for it even tho I never opened it..... I want this fix. plus they discussed the account in public.Desired Settlement: Paid in full

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) regarding a fraudulent account. I’m sorry for the frustration that you may have experienced regarding this matter, and I would like to share my findings with you. Our records indicate that the account was opened on March 30, 2012, after we received an online application. Your name, date of birth, and Social Security number matches the information listed for you with the Consumer Reporting Agencies. The account was established with the mailing address of [redacted], and an email address of [redacted]. This information was been validated to you through public records. We mailed statements and other notices to this address and have no record of having received any returned mail through the U.S. Postal Service. I have enclosed copies of your April 2012 through November 2012 billing statements for your review. The credit card was mailed to the address in our system of record. We show that the card was received and activated on April 5, 2012, and the Personal Identification Number (PIN) was changed. That same day a cash advance for $100.00 was made at the Ladysmith Citgo Automated Teller Machine (ATM). On May 3, 2012, we received a phone call from you stating the first billing statement had been received, but the credit card had not arrived. We advised that we need verification documents, you had the option to take them to a local Capital One branch, or the documents could be faxed. You requested that we finish the conversation with your boyfriend and we advised him the same information. The address was changed on the October 2012 statement to [redacted], [redacted], and this address was also validated to you through public records. The account charged off due to delinquency on November 28, 2012, with a balance of $606.78, and was sold to [redacted] (PRA). When this happened, PRA became the legal owner of the account. For further assistance, please contact PRA directly at 800-772-1413. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. We do not show where you had previously contacted us to report the account as fraud. We are unable to accept this claim at this time until you provide us with a police report naming your ex-boyfriend as the person who applied for the credit card without your authorization. Once we receive this information, we can review this claim again. Please note that Capital One complies with all applicable laws and regulations while servicing and collecting on our credit card accounts. Please be reassured that we keep account information confidential and secure, and we do not disclose account information to anyone other than the account holder. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. 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 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.

Conflicting Answers, Condescending attitude and ill-trained agents are a few adjectives I would use to describe the "fraud and security" departments. My fault would be losing my wallet and credit cards. Reporting my lost card was easy however getting a replacement is a horror story. Despite answering most the answers correctly my agent felt it wasn't sufficient enough, so he requested me to send in some documents to indicate who I am. Sure, I can do that. I was irritated however the agent was somewhat polite so I let go. The agent who dealt with me after him was horrible. Not only did he give me conflicting answers but he accused me of being a fraud because I have lived in multiple dwellings in the past 5 years. The address they have on file wasn't the one I updated. He also claimed CapitalOne doesn't rush cards to their customers and "apologize" to me whoever provided me with the incorrect answer. Today I received a phone call from another agent and she informed me my card should be here in 2-3 days. WHY WHY WHY are the agents not properly trained? The Fraud and Security Manager brushed off my complaints and backed his/her ill-trained staff. I am truly disappointed. I will pay off the remaining balance, close it and apply with hometrust or scotiabank.

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.

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: 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: 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: 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: 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 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 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: Collection Issue: The man in charge of the collection department will not listen to me, the consumer. He is rude and demanding. I did pay one payment on our agreement but it was not posted to the amount due. I do not know where it was posted. He has, as company representative, offered to let me pay $1,954 to $2,100 but demanded that I pay all at one time. At that time only one of my checks (one retirement and one disability) was above either of those amounts, but I needed to pay other bills, such as utilities, telephone, food, etc. I have even sold my car to pay for continuing bills. I have kept up with continuing bills but making payments to an escrow account for debt settlement is too high and what Capital One wants me to pay is too high for a monthly payment. If the head of in-house collections would have been reasonable instead of demanding and mean, the amount they wanted me to pay would have been paid off a long time ago. But his greed kept me from being able to pay the bill.Desired Settlement: I am willing to pay the $2,100 amount offered if Capital One will deduct the amount already paid, which I believe was $733. That would leave approximately $1,367. The payments would have to be at a lessor amount - more like $275 per month (pay off the debt in 5 months). With what I have to pay, this is a much more reasonable amount to pay per month & allow me to pay off other actual debts & stay current. Dates on the next page are estimated. I would have to look up the exact amount paid.

Business

Response:

- We were unable to come to the

customer's offer terms but offered to settle the account for $3,237.90 in 3

lump payments. I spoke to the customer today and she is unable to afford those

terms. She declined the offer and stated she will just let her attorney handle

the judgment from here. I also advised that the only payment we located was

from December 2011 that returned in January 2012. The customer stated she will

look for a statement proving she made the payment and would call me back if she

finds it so that I may forward it to the appropriate area.

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]

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: 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: I was reported to the credit bureaus for a payment that they are claiming was made over 30 days late.

I have a receipt and recorded calls from representatives of this company stating that my account has NEVER been over 30 days late.

I have attempted to resolve this issue, but was told to fax my dispute to a toll-free number, and someone would call me. Well I never received a call, but a standard form letter stating they would not correct the error.

They have provided no return number.Desired Settlement: I want my account updated, and the negative reporting removed from my credit report IMMEDIATELY.

Business

Response:

Dear [redacted]:

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

[redacted], our records confirm that the payment made October 23, 2013 was returned by your bank due to "no account". When the October 23,2013 transaction was returned on October 30, 2013, it caused your account to reflect over 30 days past due in the month of October 2013. The next payment was received on November 1, 2013. This account is currently 16 days past due with a total amount due if $422.72.

We have found no error in the credit reporting of your Capital One Auto Finance loan therefore, we respectfully decline your request to update your credit report. If you have additional questions regarding this matter, please contact us at [redacted].

Sincerely,

On behalf of Capital One

Consumer

Response:

I am at this time requesting a copy of what they are claiming came from my bank stating no account. I had previously attached a copy of the verification of bank account and routing number from [redacted] bank.

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 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: 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,