Capital One Financial Corporation

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: I closed my account with Capital One because of a high annual fee and extremely poor service including lying about online access. I put in writing after closing the account to have a late fee credited back that was charged in error. I then asked for a payoff. The company has refused to honor this request and has added additional fees. I am trying to get a payoff.Desired Settlement: Credit of fees and payoff figure

Business

Response:

I contacted the customer by phone and he was very satisfied with the resolution.

Review: From: [redacted] (mailto:[redacted])

Sent: Wednesday, February 25, 2015 9:54 PM

To: [redacted]

Subject: Problem

Dear Sir,

I tried to fill out your form online, but it would not let me send it.

On July 1, 1999, I purchased accident/disability insurance through Capital One, for [redacted]. I would pay for this insurance through Capital One on a credit card. This service cost me $29.90 to cover both my husband and myself. Last week I received a check back from Capital One which didn't have any explanation why I was receiving it. A few days later my I received a bill from Capital One with a credit refund for $32.52. I called Capital One to inquire regarding this refund, asking question why I received this because this was my payment for this month. I talked to two people and neither said they had anything to do with this. I explained again that I have been paying on this for 16 years and never received a refund. Well they told me that they know nothing of this insurance. I told them, I couldn't understand this because the checks were made out monthly to them (Capital One). I was told I had to call [redacted] and speak to them. I called the number they gave me [redacted] and it was not a working number but left another number [redacted], I have called and left messages and never received a returned call. the first message for days was because of the weather, there was no one available but leave your number and they will get back to you. I have called them 3 times and can't get to talk to anyone. I would like to know who has my money and where has my money been going all these years. I would like my money refunded by either Capital One or [redacted].

Thank-you,

[redacted]Desired Settlement: Unspecified

Business

Response:

Dear [redacted], I am writing in response to your complaint filed with the Revdex.com (Revdex.com) about a credit balance refund check you received and cancellation of your insurance with Health Extras. I appreciate the opportunity to review and respond to your concerns. Beginning on May 8, 2002, a transaction for [redacted] appeared on your monthly statements in the amount of $14.50. A payment each month for the amount of the insurance was also applied to your account. Beginning on October 28, 2004, the transaction began billing as Accident Protection Plan in the same amount and with the same phone number as the previous transaction. The amount billed for the transaction increased to $17.90 on December 30, 2004, to $23.90 on July 26, 2005, and finally to $29.90 on January 29, 2009. Each month a payment was received for the amount of your coverage. Because Capital One does not have an affiliation with [redacted]

[redacted], we cannot provide a reason for the cancellation of the coverage or an explanation as to why they stopped billing you for their product. When the last payment of $29.90 was applied to your account on February 2, 2015, a credit balance of $32.52 remained on your account. A credit balance refund check was mailed to you on February 12, 2015, in order to bring your account to a $0 balance. I attempted to contact you by phone to complete a conference call with Health Extras, but I was unable to speak with you. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: Capital is using deceptive practices and fraud to its customers. On Sept.14 I received a letter stating their records indicate a change of address on my account was processed in the last 60 days. and if I did not request the change I should contact them at [redacted].I called immediately (in fear of identity theft) and was told this was not true, just that they wanted to update my info. when I asked why would they send a fraud deceptive letter to their customers, they replied "its just a form letter" I informed them I would be writing their President [redacted] and inform [redacted] how they are deceiving their customers.Desired Settlement: Inform me who is responsible for this policy, and change it immediately, I do not want to do business with people who deceive their customers!!!

Business

Response:

We have received a [redacted] complaint regarding this same matter for the customer in question; therefore, as instructed by you, we are closing the Revdex.com complaint and will respond directly to the [redacted].

Review: Ever since Capital One took over [redacted] bank ive had nothing but problems with Capital One. They cancelled my automatic payments, I am unable to log in online anymore to make my payments, I have gotten multiple fees including a $80 on a $300 credit limit. Ive attempted to contact capital one and even speak to supervisors but they refused to waive my $80 "annual fee". I told them I wasnt paying that and I was going to file a Revdex.com complaint first. I was willing to continue business with Capital One, but I was not paying a rediculous fee. They wouldnt budge on that fee. Capital One representatives were even willing to let me go after 5 years of business with this company that was just taken over. Apparently now I am 4 months late on payments, and still have no way to log in online to make payments without getting charged a crazy "payment fee". I used to have this account automatically taken out, but apparently when the ended [redacted] bank website, the payments were no longer being taken out. And now I cannot figure out how to get it started again.Desired Settlement: I would like account to be put back in "regular standing" with the credit boroughs and would like all fee's waived on my account if you would like to continue to do business with me. I would also like you to take my payment with my checking account over the phone with no fee's. I have never been late with [redacted] bank and have never had any of these problems, I would like to keep the same relationship with capital one. Please fix all of these fee's and late credit reporting because of a mistake that capital one made by removing my automatic payments.

Business

Response:

The customer sent a complaint to the Revdex.com in regards to having his account removed from the autopay program when the conversion occurred and not being able to make a payment on his account. He also disputed the charging of the annual membership fee. We credited the fee to the account as a one-time courtesy. After researching the customer’s complaint, the decision was made to uphold the reporting as correct. We spoke to the customer and informed him of our decision. He asked to close his account and seemed dissatisfied with our resolution.

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.

I made it clear to the representative that I would be filing a complaint with the Revdex.com when they first fixed my report, I was still unable to make payments online or over the phone. I made it clear to the executive office that I wanted my report to be fixed and the fee to be waived then I would make a payment. They agreed with me then got back to me telling me they wouldn't do it.

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 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: 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 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

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: We're trying to access a checking account we opened five years ago but you refuse to grant us access to the account, despite us having all our credentials. Previously we were able to access the account, but you would not allow us to withdraw our OWN money out of the account! What kind of a bank does this??? And now you've gone and locked down our account for no reason, and we have $300+ just sitting in there that we want to take out so we can be done with you and your awful service.

Instead, you're making my father call when he's not even located in the US anymore. Does he really need to deal with the time difference and the hassle of making a long distance call when we just want to take our own money out? What kind of a bank does this to its own customer? A horrible bank like you that's who.

All we're trying to do is access to the account so we can transfer the money back to THE SAME ACCOUNT that we used to transfer the money in in the first place. We're not trying to withdraw it at the ATM or even transfer it to a different account, so we don't even know what the problem is in the first place. Basically as soon as this account was created and we stupidly transferred the money in, it was locked and we were unable to withdraw or transfer the money out again. Seriously outrageous.My complaint concerns: a Banking Account (Checking)Desired Settlement: LET US WITHDRAW OUR OWN MONEY!!!!

Business

Response:

Dear [redacted], We reviewed the concerns you expressed to the Revdex.com and we wanted to follow up with you. It’s important to understand that we take security very seriously, especially when we don’t get to meet our Customers face-to-face as with our direct banking Capital One 360 accounts. Part of this security is making sure we’re able to verify each Customer’s identity and account activity to avoid any possible fraudulent activity. While we understand you’d like us to remove a restriction on your father’s account and close it, for security reasons, we’re unable to do so without speaking to your father first, and we’re unable to make an exception. Please have your father give us a call at 1-866-877-2995, and an Associate will be happy to assist him. You mentioned that he’s no longer in the U.S., so he can call us collect at 1-302-658-9593. We’re available from 8 AM to 11 PM ET Monday through Friday, and 8 AM to 6 PM ET on Saturday. If you’d like to discuss this further, I can be reached at 1-302-255-3277. I’m available from 8:30 AM to 5:00 PM ET, Monday through Friday. Thanks, [redacted], on behalf of Capital One

Consumer

Response:

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

Seriously, I don't understand why they make it so difficult to close an account and why they're making us go through all this trouble. No we do not accept their response, and we want to get our [redacted] money back!!

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: I am a new immigrant to the US attempting to build credit. On the advice of my wife I looked at Capital One's secured credit card product. As I was looking at the application I was prompted to join a live chat with an advisor. I gave the advisor my information, namely that I'm a new immigrant to the US, currently unemployed (pending the arrival of my green card), and that I had only recently obtained my Social Security Number. Based on this information I was advised to apply for a standard (non-secured) card with Capital One. That didn't seem to make sense to me, so I challenged the advisor, asking him if he was certain that it was the best choice for me given my employment and credit status, and I was told that it was. I still didn't think that this was correct, so I went ahead with an application for a secured credit card with Capital One and was immediately declined (I am still pending the written explanation). I rang Capital One and spoke to a manager. Unfortunately they weren't much help and just mentioned that she'd pass my comments on. Capital One seriously misrepresented my eligibility for their products and as a result have damaged my credit rating.Desired Settlement: I am not sure exactly how being declined for credit will affect my credit score going forwards, however since it's a direct result of misrepresentation on the part of Capital One, I'd like them to propose a solution that results in either the restitution of my credit rating, or sufficient reparation by way of an apology.

Business

Response:

Dear [redacted],

We were recently notified by the Revdex.com of your concerns about an application requesting credit and information provided by our company prior to the application being submitted.

Our records show that we received your application on January 15, 2014. This application was submitted online. Unfortunately, we were unable to approve your application and a letter was issued to you on January 15, 2014, advising you of this decision. Additionally, please note that the letter provides there was no impact to your credit score in process of making this decision.

Our records also reflect that you contacted Capital One via a chat communication on January 14, 2014. Please note that this occurred prior to the application being submitted. We have taken the opportunity to review this communication and found that no incorrect information was provided.

If you have additional questions, feel free to call me Monday through Friday at [redacted], 8 a.m. to 4:15 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me, since my credit rating has apparently not been affected. However, I would like to stress that, contrary to Capital One's response, I spoke to their online chat agents on two occasions, and I was indeed given the wrong information.

Regards,

Capital One just rejected a plane tickets purchase for $1.25! Am I joking? No my friends, sadly, I am serious. Even after I called them and they agreed that I had always paid on time and well over the minimum payment, they would not budge. Sorry mom, I guess I won't see you this year! I closed my account immediately and you should too. These are completely unreasonable policies. If you are considering opening a new line of credit, I'd go with [redacted]. They have always been fair and reasonable.

Review: I had a credit card and it was charged off. it has been paid in full. yet capital one still continues to report it to the 3 credit reporting agencies, last updated in august. this was charged off in 2012, debt was sold and paid. so why is it still reporting. All 3 are saying something different from upid to charged off to paid. please address this. I would like to see this removed from all 3 credit reports. the constant updates on a debt you no longer owed for sometime are really hurting me. Thanks and I hope for a quick resolutionMy complaint concerns: a Credit CardDesired Settlement: I would like this tradline removed completely from all 3 credit reporting agencies

Business

Response:

Dear [redacted], I’m reaching out to you regarding your concerns to the Revdex.com (Revdex.com), about information we have reported to the Consumer Reporting Agencies (CRAs). I would like to share the status of your case. Due to delinquency, your account charged off on December 26, 2012, with a balance of $791.62, and was sold to Portfolio Recovery Associates, on March 24, 2015. I have confirmed that the account was reporting correctly with the CRAs as charged off and sold. If you have a recent credit report showing different information, please fax that to my attention at [redacted]. We have reviewed your information and came to the business decision to request the delete the account from your credit file with the CRAs. It may take up to 60 days for this update to reflect with the CRAs. For your reference of this update the AUD number is [redacted]. In the meantime, if you have additional credit reporting questions, please contact the agencies directly. Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 P.O. Box 2000 P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 Chester, PA 19022 Columbus, OH 43216 888-397-3742 800-685-1111 800-888-4213 800-540-2505 www.experian.com www.equifax.com www.transunion.com www.innovis.com Our records show that the account was not paid in full with Capital One. If you have paid off the account with [redacted], please contact them directly at [redacted] to verify how they are reporting the account with the CRAs. If you have documentation from Capital One stating that the account was paid in full, please fax that to my attention at [redacted]. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have questions or concerns, please give me a call at 866-280-0118, 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: 973864. 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: [redacted]/Capital One sent a letter enclosed, stating there will give out [redacted] & other private information of mine that could & will cause ID theft I called them and cancelled my card and told them not to give out my [redacted] or anything else. They laughed at me and told me that they have the right and I could not do anything about it. I recorded the phone call (see complaint online).Desired Settlement: To make them not give out my "info" and if they do? Then make them pay for the damages.

Business

Response:

Dear [redacted],I’m reaching out about your complaint to the Revdex.com concerning our annual privacy notice. To clarify, our notification does not state that we share your information that could and/or will cause identity theft. As you have requested, we will not share your non-public information with outside companies unless required to do so by law. We will not share your credit related information with subsidiaries. Please note this does not apply to transactions, account information, account usage, or payment history for this account. We will also limit your information from being used by our affiliates for marketing purposes. These updates should be processed within 30 days.If you have additional concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. I’m glad to help any way I can.Sincerely,[redacted] on behalf of Capital One

Review: On September 29th, I cashed two checks, and received cash back at the drive through at this branch. One check was from my son for $120, the other from my husband for $170 and I also asked for $300 cash from my account. The teller put everything in an envelope, I extracted the money and put it with my other money into my purse. I had a lot of cash on my because I needed to make a deposit of $1,000 today (Sept 30). This morning my son called me and informed me that Capital one charged $170 instead of $120 to his account. I visited the branch and asked them to investigate the matter. The branch manager could not do so at the time but assured me that he would call me. When he did call me he said that they did in fact read the check wrong and did charge my son's account an extra $50 but they also included that $50 in my cash back. I cannot confirm this, but told him that he needed to correct his error and reimburse my son the $50 they erroneously took out of his account. He told me to drive to chase and deposit the $50 into my son's account that they gave me in error. Again I cannot confirm that they gave me $50 more than they should have, but that in my eyes is not the point. The point is that they charged $50 on a check and now are refusing to take responsibility for this. It happened to be my son, what if it had been a stranger? This is very poor business, and I think I need to reconsider my banking needs.Desired Settlement: My son's account needs to be made whole!

Business

Response:

Dear [redacted]:

We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding a check that you recently cashed at a local branch. We understand that a check from your son was scanned for the incorrect amount and you would like for us to credit your son's account the $50.00 difference. We value your feedback and hope to address your concerns.

We have reviewed your account, and our records show that you visited the Capital One Bank branch in Spring, TX on September 39, 2014, and filled out a counter withdrawal slip to withdraw $300.00 from the account ending [redacted]. Additionally, two checks were cashed, both of which scanned for $170.00. Research confirmed that check #[redacted], drawn off a [redacted] bank account, was written for $120.00.

We apologize for any frustration this matter has caused you, and have issued a $50.00 credit to [redacted]. In order for the credit to post to your son's account, he will need to provide the following reference number to [redacted]:RF[redacted].

Hopefully this letter explains the situation; but, if you have additional questions please contact me at [redacted], ext [redacted].

Sincerely,

[redacted], on behalf of Capital One

Review: On September 11, 2013 a fraudulent [redacted] money transfer in the amount of US$1024.99 appeared on my credit card (through Capital One) under the name of my father (an authorized user), [redacted]. I called in (my father resides in [redacted]a) and reported the transaction as fraudulent. Capital One refunded the charge on September 17 and I thought nothing of it. On November 12, 2013, the fraudulent charge re-appeared on my account (new credit card number). I called Capital One and was informed by a fraud [redacted] ([redacted] at [redacted]) that they considered the charge to be legitimate after only confirming the home address and phone number used with [redacted]. I called [redacted] and opened a Fraud Report. They relayed the following information to me concerning the charge: MTCN: [redacted] Recipient: [redacted] Birthdate: [redacted] Date of money transfer: September 9 Country: [redacted] Location: [redacted] also confirmed that money transfer was made online with an account opened on the same day, the ONLY transaction on the account was the one, unauthorized money transfer, and the money was picked up 5 minutes after the web transaction was initiated by the fraudulent actor and authorized by Capital One. Capital One has incorrectly identified this as a legitimate charge based solely on the fact that the web transaction details included the address and phone number my father used before he moved to [redacted]a, while ignoring several key facts that indicate the charge is fraudulent: 1. The [redacted] account was opened and used within minutes and the only transaction was the fraudulent one (in fact, the [redacted] fraud [redacted] I spoke to said that the charge is clearly fraudulent). 2. My father was already in [redacted]a at the time and neither he nor I have ever visited or spoken to anyone in the [redacted]. 3. The fraudulent charge is completely different from the transaction history of the account. The credit card account in question was, for at least the last 12 months, ONLY used for balance transfers using a 0% offer. In fact, by placing this charge on this card, if we do not pay IN FULL by the payment deadline (December 15) all current balance transfers (we maintain a high balance on the card, but at the 0% rate) retroactively revert to the non-promotional APR. In other words, it's completely illogical to use this card for ANYTHING except the promotional balance transfers. The last point is, I think, the most important. This charge was clearly out of the blue and significantly different from the transaction history of the account. However, rather than identifying this and calling either my father or I to confirm whether the transaction was legitimate, they simply approved it. Then, after we reported the transaction fraudulent, they immediately approved a temporary credit and did NOT recommend we speak with [redacted]. We did not hear anything back for over 2 months, at which time they informed us that, because of TWO supporting indicators and regardless of the substantial evidence to the contrary, they were immediately reapplying the charge and demanding payment.Desired Settlement: I would like for Capital One to reinstate the credit they previously applied on September 17th, ideally before the December 15th payment date for this cycle.

Business

Response:

Our customer is concerned about a fraud transaction on the account that we charged back to him. This customer also filed a regulatory complaint with the [redacted] (CFPB) with CFPB case number [redacted]. Our agent, [redacted], will address his concerns through that channel.

Review: I have a statement balance of $729.37, a minimum payment of $189.00 and payment due date is: July 1st, 2015.

There were several fraudulent charges posted to the account and I immediately spoke to the fraud department five different times. I was informed that they were suppose to send me dispute forms being that I did not recognize the charges that were posted to the account.

Since March 1st, 2015, I have not received any dispute forms and claimed to be 5 months behind in payments.My complaint concerns: a Credit CardDesired Settlement: I am kindly asking for necessary dispute forms to be sent to me ASAP because as of now, I have a bad credit score due to this inconvenience. Also, to report to the credit bureau that the charges on the account were reported as fraud and to eliminate the current delinquency on my credit report. Want refund.

Business

Response:

Dear [redacted], I’m reaching out to you about concerns you filed with the Revdex.com (Revdex.com) about charges on your account you stated you did not authorize, and the information we’re reporting to the Consumer Reporting Agencies (CRAs). I’d like to take the opportunity to address your concerns. We received letters from you in February 2015 and April 2015, stating there were unrecognized charges on your account. Our Fraud Department made a number of attempts to contact you to discuss the fraud concerns, using the phone number we have on file for you. Unfortunately, these attempts were unsuccessful. We apologize for any frustration this may have caused. Our Fraud Department has reviewed the transactions you said you did not authorize and has found no evidence of fraud. However, we have made the business decision to credit the full balance on the account. As of July 30, 2015, the current balance was $729.37, and that full amount has been credited to the account. This credit will appear on your August 2015 statement. As of the date of this letter, your account is reflecting a $0.00 balance. As you requested, we have also made the business decision to update the past due history on the account. We have submitted a request to the CRAs, asking them to delete the past due payment information we were reporting for March 2015 through July 2015. Please allow up to 60 days for this information to be updated with the CRAs. As a reminder, we sent you a letter on March 19, 2015, explaining your account had been permanently restricted from further use because an account you weren’t authorized to use had been used to pay your credit card bill. I’ve enclosed a copy of the letter mailed on March 19, 2015, explaining the restriction. Please note the account will remain in a permanently restricted status because an account you weren’t authorized to use was used to pay your credit card bill. If you have any other questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. [redacted], on behalf of Capital One

Consumer

Response:

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

I do not accept the offer made by the business because [redacted] did not specify whether or not the account is still opened as of today or the account has been closed. Another thing, if the balance is eliminated from the account?

Regards,

Review: I have an account with Capital One. I'm on a debt consolidation program in the process of paying off my credit cards. Capital One calls my home and cell SEVERAL times a day from MANY different phone numbers. The amount of calls borders on harrassment and I am so stressed out by these constant calls. I have emailed, faxed and sent a certified letter requesting that I be contacted my U.S. mail only. Why is this company permitted to harrass customers this way??Desired Settlement: Stop calling. Contact me in writing.

Business

Response:

June 22, 2013

Re: Account ending [redacted]

CID: [redacted]

Dear [redacted]:

I’m reaching out to you regarding the request we received from the Revdex.com regarding the telephone calls you have received. I realize you’re concerned about this, and I have good news to share.

As per your request, I have confirmed as of June 17, 2013, a cease and desist for telephone communication has been processed to the accounts on file. Any further communication will be via mail.

I hope this letter explains the situation. However, if you have additional concerns, please give me a call Monday through Friday at [redacted] 11:30 a.m. to 8:00 p.m. PT. I’m glad to help any way I can.

Sincerely,

[redacted]Capital One

cc: Revdex.com File#: [redacted]

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,

Complaint Detail

I filed a complaint with the Revdex.com in July of this year Complaint #[redacted]) regarding Capital One. They were harrassing me by telephone (home and cell) from several different phone numbers. In August 2013 I received a letter from Capital One stating that they would honor my request to stop calling and would only correspond in writing in the future. On Oct. 23rd Capital One began calling my home phone again.

Translate

Desired Settlement

Stop the phone harrassment.

Desired Settlement: Stop Contacting Me

Business

Response:

Capital One® Capital One® [redacted]

November 1, 2013

Capital One Case: [redacted]

Revdex.com Case: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com regarding phone calls you’ve received. I understand your concerns and I have good news to share.

I have taken the necessary steps to ensure that you no longer received phone calls at [redacted].

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

Sincerely,

Capital One

cc: Revdex.com Case

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