Capital One Financial Corporation

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

Business

Response:

Dear [redacted]

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

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

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

your name and address, as it appears above, from our mailing list. Please allow 30 days from

the date of this letter for all mail from us to stop. This means you’ll no longer receive any offers

from us at the address you provided us.

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

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

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

accordingly.

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

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

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

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

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

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

Sincerely,

[redacted] on behalf of Capital One

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

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

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

Capital One Platinum # 69560

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

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

Business

Response:

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

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

Business

Response:

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

Review: I 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 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

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.

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: Capital One CLI [redacted], I am been a customer since 2009 and since then they never increase my credit limit, Each year getting the same denied letter mentioning that " Capital One is currently not accepting customer initiated credit line increase request at this time " CR mention that they are very conservative about the Credit limit increased.. Come on capital one you should review your policy now. I never had a late payment since then nor a over credit. All other cards I have that is in range of 4500 = 20000 and this is the one I had since 2009 and never get a credit limit increase.I am going to close my account by this fall If I am not having any positive answer or good reason to not accepting my CLI.Desired Settlement: I asked the Supervisor to escalate my concern and he said that there is no way he can do.. So I am writing this complain to Revdex.com so if any one in CO is watching this they can have my concern on their file and it will helpful to other customer too.

Business

Response:

We increased the customer's credit limit, as requested.

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 9598111, and find that this resolution would be satisfactory to me. After my complain they increased my credit limit manually.

Thank you Revdex.com for your help and support to resolve my complain, Without you it might very difficult for me to resolve this issue by my own.

Regards,

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

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,

Review: I have been a loyal customer to Capital One for 9 years. Recently I was divorced from my ex-wife. In our paper work it was said that I would take on the Capital One debt. She was not supposed to use the card and did so causing over 400 dollars in over the limit charges and fees. After contacting Capital One they said they could not do anything as she was previously an authorized user. After this I contacted Capital One I would pay the bill in full when I received my income tax return. They agreed and I did make the payment in full. After checking my balance this month I found out my account has been closed out. After calling the customer service line they informed me there was nothing they could do and no one else they could transfer me to that could help. I made the payment as agreed and have been a customer for well over 9 years. Is this really what we call customer service??Desired Settlement: I would like to have a corporate executive contact me and reestablish my line of credit as I have been a loyal customer for so long.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about the over limit fees that have been assessed on your account as well as your account restriction. I have great news to share!

Your account has been unrestricted!

I have credited your account for the over limit fees that have taken place on August 16, 2013, September 23, 2013, and October 23, 2013. The total credits that we have applied to your account for these charges are $**. I would like to discuss this a littler further as I want to ensure that we are on the same page with your account information. During my investigation I discovered that it was not purchases that caused your account to go over the limit, it was delinquency. The fees assessed to your account were not entirely over limit fees, many of them were finance charges and past due fees.

To address the usage of your account by your ex-spouse I have found that you went through the proper channel in disputing these charges. The investigation found the charges valid. The credits were charged back to your account.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 10:30 am to 7 pm PT. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Review: I have an open account with this company but they are telling me I am not allowed to have a credit card that I can actually use to make purchases with and will not issue a card to me so I read their policies and says basically they can but will not issue my card to use and would like them to grant me and uphold their policiesDesired Settlement: Make the card and credit available for my use its on my credit as open and good standing I have read their policies and its feasible and simple to do

Business

Response:

Our customer is requesting that his account be unrestricted and made available for

use. Our records show that the account was restricted in 2009 due to

delinquency. We have removed the restriction from the account, and issued a new

card to our customer which he should receive within 10 business days.

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: Before going on a cruise with my Capital One Credit Card I called to make sure the card was ok to use as I hadn't used it in a while. I was assured by multiple customer service people that it was ok to use. When I got on the ship I was told by their people that the card would not work. I called Capital One back and was told that the account number had been changed for security reasons. Even though the cruise line was able to credit money to the card and it had points on it, I could not use the card. I was told that Capital One would have a new working credit card for me when I got to the next port, which did not happen. I have made multiple calls to Capital One about this terrible experience with no satisfaction. It just about ruined my vacation, which was on my birthday. There was an account open in my name which I did not have a credit card for and the card I did have would not work. On a cruise ship all purchases are done through the credit card put on file when passengers check in. I ended up cancelling my account with Capital One after I got back since they would not replace my card or make amends in any way, but I think that there should be a record of how they do business.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Capital One should pay for another cruise vacation due to the fact that they ruined the trip I was on when they screwed up my account, leaving me on a cruise ship with a credit card that I couldn't use.

Business

Response:

Re: [redacted]

Capital One Case: [redacted]

Our customer is concerned about declined transactions while on a cruise in May 2014. We contacted our customer by phone and resolved the matter. Please accept this communication as a confirmation of our research and resolution. Our research shows on December 4, 2013, this account was upgraded to a [redacted], which resulted in the account number changing. On May 1, 2014, our customer called to notify us she would be traveling. During that conversation, it was not mentioned that the account number had been changed. We’ve confirmed this was not an error, as the account number had been changed for five months.

When our customer tried to use the card on May 4, 2014, the card was declined. We made every attempt to get an expedited card to her at the next port, which was Key West, Florida. Regrettably, the card arrived on May 7, 2014, after she left port. Due to the inability to use her card, our customer closed her account.

While no error occurred with the handling of this account, we agree this was not the best customer experience and have taken the following actions:

- Credited $500.00 in expenses that were covered by friends and the cruise line

- Added 10,000 bonus miles

- Reopened the account at our customer’s request

- Issued a new credit card

As stated above, we have communicated this resolution by phone. Our customer is satisfied with this 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: 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'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: 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: 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: [redacted] has illegally put a collection charge off on my credit history concerning Captial One account [redacted]. I had an agreement with Capital One to pay a pay off balance, I even recieved a income tax W-2 form 1099-C for [redacted] which I pay federal and state taxes on. I have send copies of this to this company and also to Capital One and they refuse to take this off of my credit history. I want this off of my 3 reports immediately, this is illegal to put on my credit history.Desired Settlement: I want this removed off of my 3 credit reports immediately, this is illegal.

Business

Response:

Dear Ms. [redacted],

Your complaint to the Revdex.com was forwarded to my attention for response. Please allow me to address your concerns regarding your Installment Loan account ending in [redacted].

Please understand that we do not have any record of entering into a payment plan with you when we owned your loan account, and we have not reported any debt cancellation to the Internal Revenue Service (IRS) that would trigger your receipt of a 1099C form. According to our records, your loan account was charged off on January 30, 2009 due to non-payment, and subsequently was sold to Asset Acceptance in July 2011.

We additionally have confirmed that we are accurately reporting your loan account to the credit bureau agencies as sold to a third party. A letter confirming this reporting is being sent to you in conjunction with this response and is attached for your reference.

We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me directly at [redacted] ext [redacted].

Sincerely,

Executive Complaint ManagementCapital One Bank

Business

Response:

Dear Ms. [redacted]:

I have reviewed the situation that you explained to the Revdex.com and hope to address your concerns.

As we understand your complaint, [redacted]. placed a collection charge off on your credit history in error. You state that you had an agreement with Capital One to pay off the balance. You are requesting for this information to be removed from your credit history.

Ms. [redacted], we have reviewed your complaint and we hope to clarify the situation. Unfortunately, we were unable to locate any payment agreement between you and the Bank. Our records confirm that the account was charged off on January 30, 2009, and was sold to [redacted]. We have found no errors in the processing of your account and therefore, we are unable remove this information from your credit history. Any additional questions should be directed towards [redacted] at [redacted].

Sincerely,

On behalf of Capital One

cc: Revdex.com

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.

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

Regards,

Review: After receiving info to get credit card thru [redacted]. It stated "Your credit score was [redacted], Source from [redacted]". I tried to explain to them the number was incorrect. [redacted] gave me the score as [redacted], not [redacted]. They would not speak to me on this and hung up several times. I know they got somebody else's credit report. They refused to speak with me. As of 06/09/13, my scores are [redacted], [redacted] and [redacted]. Their paperwork stated "Key factors that adversely affected you credit score" INSUFFICIENT BANK OR REVOVOLVING ACCOUNTS EXPERIENCE". I have 30 years of credit history in good to very good satisfaction.Desired Settlement: To correct the application to Capital One and clear up this mistake.

Business

Response:

We have responded to the cardmember by telephone on June 18, 2013 and informed him that this matter is resolved. Unfortunately, we were unable to honor his request.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID 9576733, 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,

Dwight Philbeck

Customer service was terrible on response by phone call. I looked at me credit report and Equifax states that their back ground for credit history is incorrect. They checked the wrong credit history on somebody else. I have 30 years of credit history with a 728 Credit score. That had me as a new or non existing credit history. There offer for $800 credit limit was a slap to me face based on my credit history. They refused and continued agreeing that it was Equifax's fault at this. There executive response was horrendous!!

Review: I FILED CHAPTER 7 AND THEY REFUSE TO RELEASE CREDIT REPORT AS CHAPTER 7 WRITE OFCOUNT# [redacted]ACCOUNT# [redacted]ACCOUNT#[redacted]xxx-xx-xxxxDesired Settlement: CREDIT REPORT FIXED

Business

Response:

The customer needed copies of letters regarding Judgments obtained against him on three separate accounts. We notified the customer by phone that we located the requested letters then faxed them directly to our customer. Resolved 6/21/2013