Capital One Financial Corporation

Review: I have three capital one credit cards and they all have been over charged with excess fees and additional interest particularly the one with largest balance.My complaint concerns: a Credit CardDesired Settlement: Refund of late fees, excess fees, and excess interest.

Business

Response:

Dear [redacted], I am responding to your concern filed with the Revdex.com (Revdex.com) in regards to your request to have past due fees and interest credited back to your accounts. I’m sorry for any frustration this concern may have caused you. I have looked into your concerns and have found the following information that I would like to share with you. We usually don’t credit past due fees when we receive payments after the due date or payment cutoff time. However, as a courtesy, we’re going to credit your account ending in [redacted] a total of $105.00 for the past due fees. The dates the account was past due are August 20, 2015, September 20, 2015, and October 20, 2015. You’ll see this credit on your November 2015 statement. For the account ending in 3378, we’re going to credit the account a total of $78.00 for the past due fees. The dates the account was past due are June 8, 2015 and July 8, 2015. You’ll see this credit on your November 2015 statement I’d like to explain more about past due fees. We will charge a past due fee up to $35.00, on each one of your accounts if we don’t receive the minimum payment by the due date or by the payment cutoff time. In case it’s helpful, I’ve enclosed a copy of your Customer Agreement which has more information on fees. Please note that our payment cutoff time is 8 p.m., ET, on the day your payment is due. You may find some of our Online Banking tools helpful for managing payments. For more information on features like automatic payments and payment-due alerts, visit www.capitalone.com. Regrettably we can’t waive the interest on either account. Interest charges are calculated from the average daily balance for the billing cycle. Your highest Annual Percentage Rate (APR) is a variable rate of 22.90%. Based on the balance you carry on the account month to month, the interest is around $60.00 per month. A customer who always pays off their entire purchase balance listed on their statement by their due date and is not carrying any other balances on their account, will not pay interest. Lastly, you mentioned that you had three accounts with us. I was only able to locate two accounts. If you would like to contact me with the third account number, I will be happy to see what I can do to resolve any concerns you may have on that account. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 9 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 973864. I am happy to help in any way that I can. Sincerely, [redacted] on behalf of Capital One

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.

Review: I had a secured credit card with capital one. I have been making payment arrangements with capital one who says on their website - if you need several months to make your payment - call us we can help. I have called and made payment arrangements - three payments at a time for the last month or so. at no time did they say my card was going to be closed. I even had three payment arrangements for the 28th, September 11, and sept 25th $25 each. they said that they were making special payment arrangements and late payments and over the limit charges would not be charged to help me catch up. I called two days ago to change one of my payments from the 28th to the 31st of august and they said that my account was closed. this has caused me great harm as I was relying on this credit card to help me rebuild my credit so I can purchase a house. now it is closed like a charge off on my credit report. closed - and reported as a negative account which hurts my credit score. I am upset because if someone would had told me that the $25 payment arrangements were not sufficient enough and that I needed to make at least this much by this date, I would have done whatever I could to make sure I had it paid. but when I made the $25 payment arrangements and no one said anything, I thought since I was making regular payments that my account was ok. someone should have said something to me instead of letting me believe that my payment arrangements were making a difference. now I have one more terrible mark on my credit report that hurts my score even more. instead of my plans to bring the balance down to 30 percent of the balance to help my credit improve, I am now worse than I was because I was not told the true status of my account over the many many payment arrangements I have been making.My complaint concerns: a Credit CardDesired Settlement: I want my credit card put back to active status so that I can make my payments and bring it current so that this card can help my credit instead of hurting my credit. I have a 2nd regular credit card that I have been making payment arrangements on as well. what is the status of this card? are you going to charge this off even though I am making payments?????? my card was closed when I had payment arrangements and have been making payments. I know all of the payments I have been making, I could not be as far behind as you say I was.

Business

Response:

Dear [redacted], This letter is in response to the concern you sent to the Revdex.com (Revdex.com) about the status of the accounts listed above. We’ve tried to contact you to discuss what potential options may be available to resolve your concerns regarding each of the accounts listed above, but we haven’t been able to reach you. I would like to speak with you at your earliest convenience. As a courtesy, we have credited $100.00 to your account ending in [redacted]. I’ve also found the following information that I’d like to share with you. For clarity, I’ll address each account separately. Account Ending in [redacted] On February 15, 2015, you made a payment of $60.00, which was returned by your bank. According to our records, we sent you a letter on February 21, 2015, stating that your account was two payments behind. The letter also explained that a minimum payment of $163.00 was due by March 15, 2015, to bring your account up-to-date. As shown on the March 2015 statement, a minimum payment of $182.00 was due by April 15, 2015. This statement also explained that the account had been suspended. On April 15, 2015, you contacted us by phone and authorized three future payments for $35.00 each. Those payments were scheduled for April 25, 2015, May 9, 2015, and May 23, 2015. As shown on your April statement, however, your account remained suspended. On May 8, 2015, you contacted us by phone to cancel the payment previously scheduled for May 9, 2015, and to schedule two additional payments. The first payment was scheduled for May 9, 2015, for $38.00, and the second payment was scheduled for May 23, 2015, for $35.00. The agent you spoke with provided information about the status of your account. Your May statement also showed that your account was still suspended. Your June statement showed that your account remained suspended. On June 22, 2015, we sent you a letter explaining that making a payment of $184.00 by July 15, 2015, would bring your account current and help you avoid having your security deposit applied to your balance and your account closed. You contacted us on June 29, 2015, to schedule three future payments. The first payment was scheduled for July 3, 2015, for $30.00, and the other two payments were for $25.00 each, and scheduled for July 17, 2015, and July 31, 2015. You contacted us again on July 7, 2015. We discovered that your payment information had been entered incorrectly by our agent when you contacted us on June 29, 2015, to schedule payments. We corrected that issue during the July 7, 2015, call. However, the account remained past due and suspended, as shown on your July 2015 statement. Also, according to our records, the July 17, 2015, payment was not honored by your bank. On August 14, 2015, you contacted us to schedule three additional payments in the amount of $25.00 each. The payments were scheduled for August 28, 2015, September 11, 2015, and September 25, 2015. However, due to the status, and as shown on your August 2015 statement, we restricted the account on August 18, 2015. On September 8, 2015, we mailed you a letter explaining that we were closing your account, and that your card was no longer active. We applied your security deposit of $1,250.00 to the balance. We also credited the past due fee of $24.61, and the Annual Membership Fee of $24.00, that billed to the account in August 2015. As explained above, information about your account status was provided in your monthly statements and in the letters sent to you. However, I’ve tried to contact you to discuss what potential options may be available to resolve your concerns regarding this account. I would like to speak with you at your earliest convenience. Please contact me at the number below. Account Ending in [redacted] The account ending in [redacted] became past due on April 27, 2015, when we didn’t receive your minimum payment of $27.00, due by that date. The account became further past due and then, as shown on your May 2015 statement, was restricted. According to our records, we sent you a letter on June 6, 2015, stating that your account was two payments behind. The letter also explained that a minimum payment of $143.00 was due by June 27, 2015, to bring your account up-to-date. You contacted us on June 29, 2015, to schedule three future payments. The first payment was scheduled for July 3, 2015, for $30.00, and the other two payments were for $25.00 each, and scheduled for July 17, 2015, and July 31, 2015. As shown on your June 2015 statement, however, your account remained restricted. You contacted us again on July 7, 2015. We discovered that your payment information had been entered incorrectly by our agent when you contacted us on June 29, 2015, to schedule payments. We corrected that issue during the July 7, 2015, call. However, the account remained past due and restricted, as shown on your July 2015 statement. Also, according to our records, the July 17, 2015, payment was not honored by your bank. On August 7, 2015, we sent another letter regarding the status of your account. In that letter, we explained that a minimum payment of $183.00 was due by August 27, 2015, to bring your account up-to-date. We also explained that a $30.00 payment made by August 27, 2015, would prevent the account from falling further past due. You contacted us on August 14, 2015, and scheduled three future payments of $25.00 each for the following dates: August 28, 2015, September 11, 2015, and September 25, 2015. As shown on your August 2015 statement, however, your account remained restricted. You contacted us on August 24, 2015, and cancelled the payments you scheduled on August 14, 2015. You also scheduled three new payments for the following dates and amounts: August 31, 2015, for $30.00; September 11, 2015, for $25.00; and September 25, 2015, for $25.00. On August 29, 2015, you cancelled the payment scheduled for August 31, 2015. You made an online payment of $5.00 on September 12, 2015. As shown on your September 2015 statement, however, your account remained restricted. The account currently remains restricted. As explained above, information about your account status was provided in your monthly statements and in the letters sent to you. However, I’ve tried to contact you to discuss what potential options may be available to resolve your concerns regarding this account. I would like to speak with you at your earliest convenience. Please contact me at the number below. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday, from 9 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

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: 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.

On Saturday, April 5, 2014, I called Capital One to pay my balance over the phone. I took a loan from my 401(k) to pay Capital One and another lender. The amount owed to Capital One was approximately $4,800.

I used my debit card to pay the balance. I was told that the transaction was declined and that they needed my checking account information. I provided this information, and thought the situation was resolved.

Immediately after the phone conversation with Capital One, I checked my bank account online and saw that the debit card transaction was not cancelled. I called the bank to make sure of this, and they confirmed that not only had the debit card transaction been approved and the funds withdrawn from my account, but there was also a pending checking account transaction from Capital One in the same amount.

I requested a conference call with Capital One, my bank and me so I could ensure that the situation was resolved. I was ensured that the second transaction would be cancelled, and that $4,800 would not be deducted from my bank account twice.

This morning, sure enough, the second transaction cleared. I called Capital One and spent hours on the phone. First, I was told that they could refund the debit card transaction, but that it may take up to 60 (yes, SIXTY) days to process. I am sorry, but that is unacceptable. If I make my payment 1 minute after it's due, I am charged a late fee, yet they can take $4,800 more than they're owed and take 2 months to pay me back?

Finally, they agreed to stop the checking account payment. They told me I should see the money back in my bank account by Thursday. I'll believe it when I see it though.

Review: 4 fraudulent charges were charged to my account from brazil. I was contacted by capital one and I told them that these were not my charges,considering I live in north Carolina it should have been obvious. after many hours pn the phone with capital one I was told that the funds would be made available. after checking my account,I noticed the funds were indeed NOT available. I called back to ask why I was lied to they just said sorry. after I was told an investigation had to be completed I asked how far it had been investigated. after she finished double talking me, I was told that they have not started an investigation. I eventually paid the charges and the turned around and took them back out of my account.thus making me pay twice and I still do not have access to these funds. I have been double talked and passed from person to person so much that I had no recourse but to file a complaint.My complaint concerns: a Credit CardDesired Settlement: I want full credit for the payment of the fraudulent charges and credit for where I paid for them. in total I have paid over $211 for these charges made in brazil

Business

Response:

Dear [redacted], This letter is in follow-up to your

concerns directed to the Revdex.com (Revdex.com) regarding the fraud

charges applied to your account and your request for a refund. I have

information to share. I’m sorry for the frustration that you may have

experienced regarding this matter. I have credited your account $100.00. The

credit of $100.00 will be reflected on your December 2015 statement. On

November 18, 2015, four charges from Brazil trigged a fraud alert an on that

day an agent spoke with you and you confirmed the charges were unauthorized.

The agent submitted a request to have the charges credited of $105.20 to your

account and sent you a new card. On November 20, 2015, the credits of $105.20

were applied to your account and the investigation was started. The fraud claim

has been since resolved in your favor and the credits are permanent. On

November 25, 2015, you called and spoke with an agent regarding the available

balance on your account. Our agent advised you that you had a payment hold for

$750.55 and for that reason the funds were not available. The payment was made

during the fraud investigation and due to the unusual payment amount a payment

hold was placed on the funds. Capital One will place a hold on a payment to

allow enough time to pass for your bank to process your payment. You may have

seen that your bank authorized the payment, but since it’s electronic it will

took a few days for the payment to be cleared. A supervisor spoke with you and

confirmed that the payment hold would be removed. On November 27, 2015, the

payment hold was released. They funds was available to use that day. Our

records confirmed you are not owed a credit as claim in the amount of $211.00.

The only payment we’ve received is the one listed above. Your November 15,

2015, statement closed with a balance of $496.24. We show you’ve made new

transaction since the November 2015 statement. Once you receive the December

2015 statement if you see any discrepancies please contact me at the number

listed below. If you have any 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 PIN available:

[redacted]. I’m glad to help any way I can. Sincerely,[redacted]

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 December 4, 2010 I received a letter. Capital One discovered fraudulent activity yet they had provided a thief with a credit card under my social security number. On December 11, 2010 I spoke with [redacted] via telephone at about 6pm he assured me the estimated $300 amount would be "charged off". The matter would be investigated and the account would be closed. Young and feeling secure after addressing the issue I thought no more of it. Now I am an adult attempting to obtain credit and I'm being shut down. I obtain credit reports that still show delinquency on various accounts including Capital One which shouldve been resolved in 2010. It needs to be fixed immediately I have already sent copies of police reports. They initiated the discussion of fraudulent activity so why is this still on my credit.Desired Settlement: Resolve the issue immediately.

Business

Response:

Re: Accounts ending in [redacted]

Capital One Case [redacted]

Revdex.com No: [redacted]

Dear [redacted],

The Revdex.com has asked that we investigate your concerns about accounts opened in your name. I’d like to share some information with you regarding these accounts.

Account ending [redacted]

Our records indicate this account was opened in your name on August 8, 2011. Due to non-payment, the account was charged-off on March 31, 2012, and subsequently sold to [redacted] on April 16, 2012.

We are unable to verify the address and phone number used to open this account as belonging to you through public records. We have submitted a request to [redacted] to repurchase the account in order to absolve the balance. Please note, this is an attempt to repurchase the debt, and is not a guarantee that [redacted] will accept our request to repurchase the account. The repurchase process can take 60 to 90 days to complete.

Once the repurchase has been completed, the account balance will be absolved. We will also submit a request to the consumer reporting agencies, like [redacted], [redacted], etc., to remove the account from your credit profile.

Account ending [redacted]

Our records indicate the account was opened on December 1, 2010, and closed on December 11, 2010. This account was deemed as fraud on December 11, 2010, and removed from your credit profile.

If you have any questions or 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,

Change your name to CRAPital One, abusive, rude, unreasonable, collusive, bullying. Crapital One stands up for their corporate buddies and craps on their customers. Thanks for nothing, keep up the good work of crapping on the little man to support corporate greed and oppression.

After several notifications that a vendor was inappropriately charging my card and several card cancellations (by me) to try and prevent the charges Crapital One demanded payment on the third card they issued that I had not even activated (they activated and allowed the charges). I paid the first two extra charges, but once I refused to pay the third charge Crapital One finally closed the account and wants to collect from me. I refused and reminded them that I notified them several times and that several cards had been issued to try and prevent the charges however the left hand didnt talk to the right one in their organization so I did not believe that a form letter notification from the vendor saying the charges were authorized was sufficient to support me paying the fraud a third time. Crapital One stood behind their corporate buddy and demanded payment or they would report to the credit agencies. I refused to be blackmailed by Crapital One so they have reported non-payment. Several collection agencies and attornys have contacted me on behalf of Crapital One to try and collect the $400; however each time I explain the facts they return the account to Crapital One, everyone that touches this account knows what they did was wrong except the croonies at Crapital One, they are using their size to hide behind their corruption. If anyone with common sense actually took the time to research my situation I doubt they would continue to try and extort payment from me.

Review: I have been a longstanding customer with Capital One Bank for more than 15 years or so. I have to say, that I am completely dissapointed with the way that a transaction dated June 2013 on My Checking Account was handled. During this month, I made a payment to my [redacted] Credit Card in the amount of 2,242.36 -- which was supposed to be a payment to pay down all of the balance on this account. However, just today, I found out that [redacted] was not able to debit this money from my account-- due to a "Funds on Hold" charge from Capital One Bank..which in turn has cost me excessive fees on my credit card statement from [redacted]..and also has caused me to have to pay down the balance of my credit card account..yet again to [redacted]. I am very upset that this has happened..because I talked to a representative from Capital One Bank.. who assured me that the funds were available in my Checking Account on June 12th. But because Capital One did not allow [redacted] to withdraw these funds from my Checking account.. I am back to square one -- and have to pay the balance plus interest and other fees all over again. And to top that off-- the rep from capital one tells me the only thing they can do is refund me overcharges and fees that [redacted] charged me due to NSF (on hold fees) on my account. I cannot begin to tell you the financial stress and pain this oversight has caused me.Desired Settlement: I would like for Capital One to refund or send the $2,242.36 to [redacted] on my behalf. Again, I (the consumer) am stuck paying for a credit card bill ALL over again...due to the fact that Capital One rejected my payment.

Business

Response:

November 1, 2013

Re: Revdex.com Case ID: [redacted]

Dear [redacted],

We are writing in response to the complaint that you filed with the Revdex.com regarding your personal checking account ending in [redacted]. We understand that you would like us to initiate a payment to [redacted]. We value your feedback and hope to address your concerns.

We have reviewed your account, and our records show that on 06/11/2013 two customer deposits in the amounts of $[redacted].00 and $[redacted].00 posted to your account and funds from the deposit were placed on hold pending verification. On a 06/13/2013 a check in the amount of $[redacted], payable to [redacted] was presented to the account. Sufficient funds were not available in the account to pay the item and a $**.00 held funds return fee was assessed to the account. Please understand, the fee was charged in accordance with the Rules Governing Deposit Accounts and following your request on 06/14/2013, the fee was refunded. [redacted] of the Rules Governing Deposit Accounts.

Uncollected/Held Funds: We reserve the right to return and/or refuse to pay any check, in person withdrawal, ATM withdrawal or other electronic item or instruction which is presented for payment against uncollected/held funds. A fee may be deducted from the account for any item drawing against uncollected funds, whether the item is paid or returned unpaid, in accordance with our current Schedule of Fees and Charges.

We regret any confusion or frustration this matter has caused you, but, in light of the above, we respectfully decline your request to initiate the $[redacted] payment to [redacted].

Thank you for choosing Capital One Bank to meet your financial needs. If you have any additional questions or concerns, please feel free to contact me at [redacted] ext. [redacted]. I am happy to help any way that I can.

Sincerely,

Capital One Bank

Review: Their customer service is horrible. I have gotten hung up on nemerous times. I made a paymne ton my credit card and every time I do so they hold my account and I have to physically call them and they have to call my bank. If I don't call it doesn't get released and this happens every time I make a payment.

Product_Or_Service: Capital One Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Not applicable

I don't know what you guys do for something like this.

Business

Response:

Dear [redacted] This letter is in follow up to your concerns directed to the Revdex.com regarding the payment holds being placed on your account. I have information to share. I would like to apologize for the frustration that you have experienced while dealing with this matter. I have issuedetimes Capital One will place a hold on a payment to allow enough time to pass for yo a $50.00 credit to your account for the inconvenience. This credit will appear on your August 2015 statement. I understand it can be frustrating to make a payment and then not have the funds immediately made available to you. Somur bank to process your payment. You might see that your bank authorized the payment, but since it’s electronic it will take a few days for the payment to be cleared. For this reason, when you contact Capital One we have to process a conference call to your bank to release the funds. I have reviewed your account and confirmed your account was handled correctly. We found no errors with how the payments were applied to your account. While we cannot guarantee if holds will continue on your payments, there are a few things that you can do to reduce the likelihood of having a hold placed on your payment. ? Continue making payments on time ? Avoid having payments returned ? Avoid making payments greater than the credit limit ? Avoid over limit status on the account ? Use the same bank account for payments If you have any questions or concerns, please give me a call 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 in any way that I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Review: They continue to report past due balance for january 2014, even though I have NEVER been late with a payment on the account ending in [redacted]. They sent me a letter stating my Credit Limit would be increased by 10th statement as long as I didn't miss any additional payments. When I contacted them to request the CLI I was declined due to the late payments they are now alleging occurred in Dec 2013 and Jan 2014. I have copies of bank statements proving that payments were made.Desired Settlement: I want the promised CLI of $500 and removal of the incorrect reporting from all 3 CRAs.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com. We're glad to share more information about this.

Our records show that on your December 2013 statement you made three payments. A payment in the amount of $55.00 on November 25, 2013, that was returned on November 25, 2013. A payment in the amount of $100.00 on November 27, 2013, that was returned on November 27, 2013. Also, a payment in the amount of $150.00 on December 10, 2013, that was returned on December 10, 2013. On your January 2014 statement you made two payments. A payment in the amount of $60.00 on January 2, 2014, that was returned January 6, 2014, and a payment in the amount of $420.00 on January 13, 2014, that was returned on January 15, 2014. I have enclosed copies of these statements for your review. Since the payments made on the December 2013 and January 2014 statement were all returned, we reported your account past due on January 2014. We've confirmed that we're reporting accurate information and are unable to modify it in any way. I'm sorry if this isn't the outcome you were hoping for.

I would like to address your other concerns regarding your Credit Limit. Please call me at your earliest convenience at the number below in order to clarify your concerns.

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

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

If that was the case, why did I receive a letter stating that I had missed one of my Credit Steps but that as long as I made the remainder of my payments on time, I would receive my $500 credit limit by my 10th statement, which is due to cut tomorrow. When I call to inquire about why I didn't receive it, now it is that the account was past due once in the past 9 months.

Additionally, my husband has a secured card that he has had for 3 years with never a missed payment. We had been informed that it could transition to a non-secure card in the future. However, I have inquired 3 separate times about a CLI and its always declined as not available on this particular account. However, I see on the Credit Boards all the time where others with a secured card for less time than him have gotten one. Its starting to feel like we are being discriminated against for some reason.

I will take this up with the Attorney General's office in West Virginia.

Regards,

Review: I've had issues on numerous occassions with being charged late fees even after my payment has been processed with Capital One. I show on my bank account that the April payment was processed and deducted from my account. I called customer service in April because I was charged a late fee after I had already made my payment. They assured me that my payment was received and that the late fee would be removed. I called today and spoke with someone who stated that my payment from April was not recieved so my payment for May would be 50 dollars, and that I still owe 15 dollars to get my account to a current standing. I asked the representative if my payment was never recieved then why was the late fee credited back to my account in April and she was just as confused as I was and could not give me an explanation. I then asked why hadn't anyone called, mailed or emailed me to notfiy me of my payment not being received. Its now May and I had to call and find this out on my own. She stated that since I chose to go paperless that it is on me to figure thisout. This has been an ongoing thing. Every month I've had to call and correct something with my account. I spoke with two diferent people and they then wanted to transfer me to another and no one was helping me in anyway.Complaint concerns: a Credit CardDesired Settlement: I need Capital One to get a hold on my account, process my payemtns and have better communication. This is my first credit card and it has not been a good experience.

Business

Response:

Dear [redacted], This letter is in response to your concerns forwarded to the Revdex.com (Revdex.com), about past due fees billed to your account after payments were received, as well as the April 2015 payment and past due fee, on the account. We value your feedback and I’d like to share more information with you. In your complaint, you stated that on multiple occasions you were billed past due fees after the payment was received. Upon review of the account from January 2015 to June 2015, I confirmed that the account was billed for past due fees as a result of the payment being received after its due date. The following events and corresponding actions, from December 2014 through January 2015, occurred on your account and are listed below: ? December 27, 2014: Past Due Fee billed for $25.00 ? December 29, 2014: Payment received for $25.00 ? December 29, 2014: Past Due Fee credited for $25.00 ? January 27, 2015: Past Due Fee billed for $25.00 For your review, I’ve enclosed billing statements from January 2015 to February 2015, which show this activity. The following information recaps the events and corresponding actions on your account from April 2015 through June 2015: In reference to your statement that you spoke with our Customer Service Department in April 2015, I am unable to locate record of such. You mentioned that you were informed that the April 2015 payment was not received. I confirmed that the payment for $35.00 dated April 27, 2015, was returned for insufficient funds on April 30, 2015. As a result, the account was billed a Past Due Fee for $25.00, which was credited to the account by our Customer Service agent on May 1, 2015. This credit appears on your May 2015 billing statement. You also let us know that you did not receive a call, email, or correspondence regarding the returned payment dated April 30, 2015. Our records show that while you enrolled for online billing and paperless statements on November 16, 2014, you are not set up for payment notices. In order to receive payment due notices, which will be to be sent to your email address days before a due date and minimum payment not posted notices, you will need to change your online alert options by logging into your online account at www.capitalone.com, and selecting the message and alerts tab. You also mentioned that you spoke with our Customer Service Department on May 28, 2015. During this phone call, you stated that you were informed of the current payment due amount for $50.00 and an additional amount of $15.00 due to bring the account current at that time. I’ve reviewed our records and I am unable to find a record of this call. Upon review of the May 2015 billing statement, I confirmed that your statement ending balance closed with a balance of $268.29, and a minimum payment due of $50.00, that was due by May 27, 2015. While we received your payment of $35.00 dated May 27, 2015, it did not satisfy the total required minimum due amount of $50.00. As a result, the account was billed a Past Due Fee for $35.00, which I credited to the account on June 5, 2015. This credit will appear on your June 2015 billing statement. Please understand that the account can be subject to the billing of past due fees in the event the total required minimum due amount is not received by the due date. If you have additional questions or concerns, please give me a call Monday through Friday at 800-955-1455 from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

I have reviewed the offer made by the business in reference to complaint ID [redacted]. While I do not find that this resolution would be satisfactory to me, I am going to close the complaint. I look forward to zeroing out my balances and closing both accounts with Capital One. 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 went to Capital One for a Auto loan, after I was approved the bank said they will mail me a check in 3 to 5 days. After time passed I received NO CHECK. The bank said they will overnight it for me. After several calls to the Bank I explained to them I didn't received no checks. The supervisor said to me that not his problem, I'm only wasting . and didn't know I never received it. He refused to help me and wasn't concerned about my finding with him.Desired Settlement: $ 100 dollars for running car faxes report.

Business

Response:

Dear [redacted],

We have reviewed 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 your blank check package was sent to you via regular mail on

May 12, 2014. On May 22, 2014, you advised you had not received your blank check,

and we resent the document overnight via Federal Express. On May 30, 2014, your loan

was completed.

We regret any inconvenience this matter may have caused you; however we respectfully

decline your request for reimbursement. We thank you for your interest in Capital One,

and look forward to servicing your future financial needs. If you have additional

questions regarding your account, please contact us at [redacted]

Review: I have 3 credit cards with Capital one. I just called to ask to lower my interest rates because they are 17% - 24% interest. The representative told me they cannot lower it and it may change over the next year because there rates are competitive! They are not competitive. and he did not even check my credit or ask me anything just said no! I find this hard to believe and for them not even checking on my credit and pretty much saying well when ever we feel like it we will lower your interest rate.Desired Settlement: I want my interest rate lowered!

Business

Response:

We explained why the customer's accounts are not eligible for a lower Annual Percentage Rate (APR) at this time.

Review: I ran my credit report and saw where Capital One ran my report without my permission. Capital one should not be running my report because I do not owe them any money and this reflect badly on my account as if I am trying to obtain credit from Capital One. I was a customer with Capital One but requested that my account be closed around 2008.Desired Settlement: Requesting that Capital One stop checking my credit. For Capital One to have their name removed from the recent inquiry they made on my credit so that when I need to get a loan it does not appear that I was trying to obtain credit from Capital One. Fix my credit score if Capital One contributed to lower number than what it should be. Please investigate if this is legal and if it is not for Attorney General to take case.

Business

Response:

[redacted]Thanks for speaking with me about your request submitted to the Revdex.com ofCentral Virginia (Revdex.com). Please consider this letter as a confirmation of our conversation.I confirmed there are no pending or recent applications for a credit card in your name in oursystem. Additionally, the only account on record was closed on June 22, 2002, and is no longerreporting to your credit file. The inquiries appearing on your credit file are instead pre-screeninginquiries related to solicitations. These inquiries are soft inquiries, which do not negativelyimpact your credit score, and are viewable only by you.To address your concerns, I’ve updated your privacy preferences to opt-out of mail solicitationsfor the following name and address combinations:[redacted]

[redacted]I’ve also updated your preferences to opt-out of email solicitations to [redacted] andtelemarketing calls to [redacted]Per our phone conversation, please keep in mind the following timeframes for your preferencesto take effect:Mail Offers Opt-Out: If your name was previously selected for any of our upcoming mailpromotions prior to this request, it’s possible for you to receive information from us overthe next several weeks.Phone Offers Opt-Out: It may take up to 30 days for your Do Not Call request to beremoved from all offers. If you receive a Capital One telemarketing call during this 30-day period, please inform the caller that you’ve recently made a request not to receivetelemarketing calls or ask the caller to submit a new Do Not Call request.Email Offers Opt-Out: If your name was previously selected for any of our upcomingemail offers, it‘s possible for you to receive information from us over the next 10business days.Your choices will only apply to the contact information you provided. If you move or change anyof the above information, you’ll need to contact us to update your preferences again.It was my pleasure researching this matter for you. If you have additional questions or concerns,please give me a call at [redacted] Monday through Friday from 9 a.m. to 6 p.m. ET. I’mglad 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 live in a very busy and crowded apartment complex, and my husband and I are moving to another town in 3 weeks. I have called capitol on and asked to be removed from their mailing list. I am still receiving 3 applications per week from this company. I do NOT want anymore mail coming from them. Can you please help me to put a stop to this????Desired Settlement: I would like capitol one to stop sending their junk mail to this address. I can't get them to on my own.I would n t be living here in 3 weeks.

Business

Response:

Dear [redacted]

I’m reaching out to you about your complaint to the RevDex.com about receiving out offers in the mail. I have removed your name

and address, as it appears above, form out mailing list. However, you may need

to do this for any variation in the spelling of your name or address. We have

reviewed our records and were not able to find a pervious request to stop

solicitations to this address. We regret any inconvenience this may have caused

you.

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 any additional questions, please feel free to contact me at

[redacted]. I can be reached Monday through Friday, between the hours of 8:30

a.m and 4 p.m ET.

Sincerely,

Review: I have an issue with Capital one 360/ auto financing. I've been paying my car loan faithfully for the last 2 years now, never making a late payment, always on time and even paying extra on the principal. I've been contacting capital one with no success in my efforts to lower my interest rate or receive any tangible help. My account number is [redacted]. I've taken a loan for 16,978.65 and paid a total of 13,186.92 of which 8,152.15 has been in interest and and 5,034.77 is principal payment. I still currently owe 11,943.88. Every time I speak with customer service, they SOUND like they want to help but because of who they work for, they are unable to. My interest is too high and I've been unable to refinance to another company. With this company's high success their high interest rates are questionable. They are deceptive with the way they run things, giving a monthly payment and then taking the majority of that money to pocket themselves. I understand that I have this car and that I owe the money on it, but I didn't know that what I was paying on the interest itself I could have 2 cars.

Product_Or_Service: auto loan

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

I would like my interest rate to be lowered to 7% or less. I want this to be reflected on the previous amount of money that was taken for interest. So I am willing to be responsible for interest of 7%, leaving me only responsible of a total of 3,193.18 for my loan of 16,978.65. For the total interest paid on 8,152.15 and with capital one keeping 3,193.18 for interest I would like the remaining 4,958.97 to be applied towards principal and I will

Business

Response:

Dear Ms. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. As indicated on your contract, you were approved for financing in the amount of $16,978.65, over 72 payments, with an estimated finance charge of $16,281.03. The regular monthly payment is $461.94, and the annual percentage rate (APR) is 24.99%. As the Federal Truth in Lending Disclosures explains, if all payments are made as scheduled, you will pay $33,259.68 in principal and interest for the vehicle, not including any down payment you may have made. Based upon the terms of your contract, we have confirmed that all payments have been accurately applied towards interest and principal based upon the date they were received. Please understand that you have a simple interest contract, which means interest is calculated on a daily basis, based on your unpaid principal balance at a rate of 24.99%. This means the total interest you pay can change depending on when you make your payments. The greater the time between payments, the greater the amount of the payment that will be applied to interest. When a regular monthly payment is received for your account, the funds are first credited to interest due, then to principal due, and finally to any fees owed. Thereafter, any excess payment will be applied to reduce your principal. The amount of your payment that is applied towards interest is based on your current loan balance, interest rate, and the amount of time passed since your last payment. Interest will accrue on your account until the unpaid principal balance is zero. We have enclosed a copy of your payment history which reflects how each payment we received was applied. We have also enclosed a letter titled “Understanding Your Loan” which provides additional information on simple interest loans. After reviewing your concerns, we have confirmed that we are properly servicing your account based upon the terms of your contract, and we are unable to lower your APR. If you would like to see if you are eligible for a lower APR, you may want to consider any options you may have to refinance with another financial institution. If you pursue any refinance options, you are still bound by the terms of the contract you have with us until your account is paid in full. This includes continuing to submit your regular monthly payment. We greatly value your business and appreciate you taking the time to provide your feedback regarding your recent experiences. If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: In a nut shell... My credit card account was credited via a phone payment 7 times atleast in the month of July. I spent the money, money was deposited. At the end of July all monies were sent back to the paying account leaving me with a debt of 42,239.24. Each time I ensured my account was credited before sending the money out to **. Why would Capital One credit me if that was not the case. especially to this sum when the card only has a $10,000. credit limit?Desired Settlement: I want the card wiped clean of all debt

Business

Response:

We confirmed the customer is liable for the balance on the account and are in contact with her to discuss payment arrangements.

Review: The consumer copies the Revdex.com on the following email. From: [redacted] (mailto:[redacted]) Sent: September 8, 2013 12:03 PM To: [redacted] Cc: Revdex.com Subject: Capital One Credit Card RE: [redacted] Capital One Credit Card, [redacted] Dear Sir or Madam, I had a verbal agreement with Capital One that has not been honored. I was offered a balance transfer at 0.0% interest with no balance transfer fee in May 2013. This offer was made over the phone when I called Capital One to ask about their balance transfer options. I asked about restrictions/conditions that I needed to be aware of. The only condition that I was told about was that I would need to get my credit card balance to $0 before completing the balance transfer in order to be eligible for the 0%. A few weeks later, I had my capital one credit card balance at $0 and I completed the balance transfer by phone with Capital One. I confirmed on the phone when I did the balance transfer that I was receiving 0% interest until March 2014 AND that there was no balance transfer fee. I have been changed interest at a rate of 9.9% for July, August, and September 2013. I have contacted Capital One in attempts to resolve this but have been unsuccessful to date. The response I've been getting is that I was not eligible for the 0%/no balance transfer fee promotion because I have had a Capital One credit card for too long. The 0%/no balance transfer fee offer was only available for new customers. I was not told that when I committed to this balance transfer. I insist that my verbal agreement be honored. Its fair to grant me the 0% interest rate until March 2014 as I was told I would receive this when I committed to the balance transfer. Capital One Ombudsman, if verification of my statement is needed, please search for the recorded call to verify what I have claimed here. I called Capital One from my home number: [redacted] Thanks for your time spent reviewing my concern. Sincerely, [redacted]Desired Settlement: Unspecified