Capital One Financial Corporation

Review: Capitol One took $775. Out of my bank account instead of the $35. I authorized.They refunded the $775., but refused to reimburse me the two $35 NSF fees I incurred because of their mistake.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want them to pay $70 I was charged because of their error.

Business

Response:

Dear [redacted],

I'm reaching out to you about your request to the Revdex.com for compensation of fees because of an incorrect payment.

I have attempted to reach you by phone but have been unsuccessful. I have issued a credit in the amount of $** to your account. This credit will be included on your February 2014 billing statement. I'm sorry for any frustration this may have caused.

If you have additional questions, I can be reached at [redacted]. My hours are Monday, Thursday and Friday, from 10 a.m. to 7 p.m. ET; Tuesday and Wednesday from 9 a.m. to 6 p.m. ET. I am happy to assist you.

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. The business credited the money back to me after receiving your complaint.

Review: [redacted] withheld processing of my check dated February 5th until February 20th, 2015. Processing of payments are purposely delayed in order to charge customers a LATE FEE.

------------------------------------------------- [redacted] Wed, Mar 18, 2015 at 9:44 AM

[redacted] All [redacted] Payments are mailed to [redacted] Payment Center [redacted]

All Payments are being submitted to this [redacted] where they are picked up at the local post office by their carrier

Also I would like to say that Synchrony Bank has taken over the accounts of [redacted] still exist.

Thank You, and all that can be done on this.

Also, can't this be reported to Consumer Affairs and The Federal Justice Department?Desired Settlement: Remove any and all LATE FEES from credit card billings.

Business

Response:

[redacted]This letter is in follow-up to our conversation on April 2, 2015, regarding your concerns aboutthe processing timeframe of your payments for this account. We’re glad to share moreinformation about this.As discussed, I confirmed you are sending your payments to the correct address. Youmentioned that you are not including the payment remittance slip with your payments. In orderfor your payments to be credited to your account in a timely manner, the payment remittanceslip needs to be included in your payment envelope. Without this slip, your payments may bedelayed. For your convenience and to expedite the posting of your payments, they can be madefaster, securely, and free of charge online by visiting [redacted] or by calling [redacted]

[redacted] to make a payment by phone. I have confirmed there were no late fees billed to youraccount.You referenced that [redacted] has taken over [redacted] accounts, but I wanted toreassure you that Capital One handles the financing and serving of the [redacted] accounts.If you have additional questions, please give me a call at [redacted], I am available from6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m happy to help any way I can.

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,

We have resolved the complaint. I will continue to watch my account and see how postings are dated.

Review: My credit card got hacked on 2/2/2015 and my reward mileage got stolen in an e-card and transferred to the thieves e-mail.I called Capital One on 2/3/2015 to report this incident. I was transferred to their fraud dept and they closed the account and issued a new credit card. I was told to wait for a few weeks for the stolen miles to be returned to my account. After two and half months later, it has not happened. During this period, I called them four times and was told to wait. I sent emails, they told me that they can not handle it via emails. I wrote a letter to them, no response after a month.Desired Settlement: Here is the miles that I am asking Capital One to return to my account.20,000 miles for [redacted] e-gift $200 on 2/2/2015.13,453 miles for rewards transfer on 2/2/2015.These miles were stolen from my account and the fraudulent transactions were reported to Capital One so many times, but they have not taken any action.Thank you.

Business

Response:

[redacted]Thanks for speaking with me about your complaint filed with the Revdex.com (Revdex.com),about your [redacted] Card.We greatly value you as our customer and sincerely apologize for any frustration this may havecaused. As of April 30, 2015, we credited a total of 43,453 rewards miles to your account.On February 2, 2015, you called us to inform us your reward mileage was stolen and wasredeemed an e-card in the amount of $200.00 (20,000 miles) gift card that was sent throughemail.On April 22, 2015, you informed me you had yet to receive the 20,000 miles on your accountdue to fraudulent activity. That same day I provided a 10,000 miles reward credit to youraccount until we can further our investigation.On April 30, 2015, we confirmed this was our error and provided an additional 33,453 miles toyour account. Your rewards should be visible online within 10 days, but could take up to twostatement cycles to post.You’ve helped us to identify an area of opportunity where we can strengthen our delivery ofquality service and for that, we thank you.If you have additional questions or concerns, please give me a call at [redacted] Mondaythrough Friday from 8 a.m. to 4:30 p.m. PT. I’m glad to help any way I can.Sincerely,

Consumer

Response:

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

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

Regards,

Review: I have a credit [redacted] and [redacted] with Capital One. My due date for both credit cards are on the 19th of every month. I have a mobile capital one app on my cell phone that I use to make and authorize my payments to be paid from my checking account. I logged in my capital one mobile app and paid both my [redacted] and [redacted] balances in full at 6/19/15 @ 11:20 AM eastern standard time. I later logged into my account at 10pm on the same date and noticed my [redacted] account payment was recorded and paid but my [redacted] account showed no payment being process at all. I called Capital One the same day and spike with a customer service representative to find out why one out of my two credit cards was paid on the 19th of this month. The rep placed me on hold to review the account stating it might be a glitch in their system. The rep came back to the phone and stated that he will remove the $25 late fee and requested that we submit the payment again for the [redacted] account. I asked the rep again why one credit card was paid when both accounts was submitted and authorized to pay both of my credit cards. His response was that he only shows the [redacted] being submitted and not the [redacted]. I explain to him both accounts are linked into my capital one when I login to the mobile app and both accounts share the same due date and am absolutely positive that I submitted both credit card to be paid on 6/19/15 at 11:20 AM. He said he couldn't do nothing else and that capital one will consider the payment being mark late for the [redacted]. I requested to speak to a supervisor and was placed on hold for 10 mins. While waiting on hold I logged into my capital one mobile app and submitted for the [redacted] credit card to be paid again balance in full. The supervisor came on the phone Kaylee. I explained the situation and my husband also came on the phone and explain the situation. The supervisor said she was not able to do nothing about the payment be mark late with capital one.My complaint concerns: a Credit CardDesired Settlement: I want Capital One to reflect my June payment on time with my [redacted] account because I paid both of my credit cards on the same day when I logged in my mobile app the morning of 6/19/15 I should not be penalized for any of their system errors that they may have and claim that my payment was late when it shows one of my credit cards was processed. Both of them should have been processed because I gave authorization to both accounts when I logged in I'm disappointed in capital one and also the supervisor that took the call because she tried to find every excuse to say that I made the payment late when in fact that I didn't. I had these credit cards both for a long time and both are due on the same day. I paid full balance on both credit cards. My minimum payment for each credit card was $25. Why would I pay over $600 on my [redacted] credit card and not pay my [redacted] when the minimum payment for both credit cards was $25. My next step is to file an attorney general complaint

Business

Response:

Dear [redacted], I’m following up on our conversation from June 29, 2015, and your concerns to the Revdex.com (Revdex.com) about your payment on account ending in [redacted] and a credit limit increase request for both your accounts. Thank you for taking the time to speak with me. I appreciate the time you have taken to express your concerns regarding the servicing of the accounts. Capital One strives to satisfy our customer’s expectations and I sincerely apologize for the frustration that you have experienced and for any misinformation you may have received. I am pleased to inform you that your request for a credit limit increase has been approved. Your new credit limit is $5,000.00 for account ending in [redacted] and $3,000.00 for account ending in [redacted]. Regarding your concerns with account ending in [redacted], after a thorough review our records did not picked up your initial payment submitted by your phone. We do show that when you spoke with us in the evening of June 19, 2015, a payment was scheduled for $733.05 to be processed on June 20, 2015. Even though the due date was for June 19, 2015, this payment did not reflect as being late. If you have additional questions or concerns, please give me a call at [redacted], I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN number available: [redacted]. I am happy to help in any way that 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. 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].

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: Capital One took over for [redacted](crooks) and immediately after my allotment stops,I realize it after one month and correct it, they try to charge me 3 months of late fees(not happening)...now all of a sudden my minimum payment of 78, increases to 96 and I get hit with late fees again!!Desired Settlement: They need to reduce the crazy interest rate for being late, and refund my fees...also would like a settlement amount, that wont affect my credit report and be done with them for good

Business

Response:

We have responded to the cardmember by mail on August 20, 2013. The matter has been resolved partially in the cardmembers favor.

Review: In June of 2013 I paid off my [redacted] and overpaid by $25.00 at the [redacted], Ohio location - they had given me a higher amount since the monthly payment of $25.00 had not posted yet. I called the customer service phone # and requested a check be mailed to me for the credit of $25.00 and on June 17 they told me it was mailed out. One month later I still had not received the check and called back and they told me it was mailed to the incorrect address and was returned to them. I verified my correct address with them and they told me it would be resubmitted and mailed out to me. As of today 8/21/13 I still had not received it and called customer service. They could not give me a straight answer and are giving me the runaround. It has now been 60 days and I still have not received my credit for $25.00 and would like this credited to my account immediately. I will use this for a future purchase at [redacted] since mailing out a check to me has been a major hassle. I have attached a copy of my statement showing a credit was sent out by them on 6/17, which I have never received. Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund Credit my [redacted] the $25.00 which is due to me.

Business

Response:

Hi,

We have responded to the cardmember by telephone on September 5, 2013. The matter has been resolved in the cardmembers favor.

Thank you,

[redacted].

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

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.

Review: they charged me a late fee on the account after I made a payment during the month.Desired Settlement: I don't need a settlement I just want it on there record of the bad practice of charge a late fee after a payment has been made during the 30 day billing cycle.

Business

Response:

Our customer is concerned about a late fee on his account

after me made a payment during the 30 day billing cycle. Our research shows

that were receiving the customer payment, but since the customer is making the

payment before the billing cycle date; the payment was applied to the previous

month and not the current; which is why the customer’s account accessed the

late fee. We explained how the payment was applied and since he was making the

payment before the billing cycle date, the payment applied to the previous

month. The customer understands now. We advised the customer, as a courtesy we

can waive the late fee on his account. The customer refused stating there’s no

need as he has closed the account and already submitted a final payment online

to pay off the account. The customer released the call.

Review: On august 2 I signed up for a online merchant called [redacted] and cancelled that service the next day. Since I have cancelled that service I continue to see a reoccurring charge from them on my credit card statement. I have called back twice to [redacted] and was told twice that the the service was in fact cancelled. When I requested a cancellation number they said it was going to be emailed to me but all I got was spam. When I called capitol One they did submit an official dispute to [redacted] and never received a response back within the 45 days they were provided. I was told that I was not allowed to put a stop on the reoccurring charges to my account and even if I got a new card number Capitol One would provided that to [redacted] to continue to bill me. I was told that the only way I could stop them from charging my account was to provided Capitol one with a cancellation number. I did a three way call with Capitol One and [redacted] and was told that they only way to get that confirmation number was to have it emailed to me but their email did not work. So I am unable to get a cancellation number from [redacted], [redacted] is refusing to respond to the letters sent from Capitol One, I don't authorized [redacted] to charge my card but yet I am continuously being told that there is nothing I can do to stop them. Sure I can call in every month and dispute the charges which do get reversed but I shouldn't have to call in every month and spend a hour on the phone to dispute a charges I never authorizedDesired Settlement: All I want is to stop the reoccurring charges to my credit card without having to call back every month

Business

Response:

Our customer is concerned about merchant dispute transactions being removed permanently. A recurring merchant transaction was cancelled by customer but the merchant will not honor the cancellation and continues to bill the account monthly. Our research shows that the account was rebilled without customer consent. We advised that the charges have been removed from the account. Disputes will do a write off for all representments received $50 and below. The customers account will not be rebilled. The credits on the account are permanent. Our [redacted] sent a letter. Customer is satisfied with resolution.

Review: My $975.00 rent check for May was fraudulently deposited by a Capital One bank in Richmond, VA--the company's headquarters. I've been working with my bank, ** for the last 7 months. For over half a year Capital One has refused to answer/acknowledge multiple overtures and inquires.

After going over the check's fraudulent endorsing from Capital One, a representative from ** said it looks like the it was done internally. I am currently a Capital One card holder and I am now extremely concerned about my account and consumer security.Desired Settlement: I would like Capital One, Inc. and ** to effectively resolve this matter and explain why my security was breached.*

Business

Response:

Dear [redacted],

We were recently notified by the Revdex.com of your complaint about your May 2013, rent check in the amount of $[redacted]. We understand that you believe it was fraudulently deposited into a Capital One account and would like the deposit investigated.

In order for us to investigate, we need more information on the check, such as a copy of the check or the account number on which the check was written. We've made a few attempts in contacting your for this information via phone and email but were unsuccessful. You can provide the information by writing to the address listed above, or by contacting me directly at [redacted] ext [redacted].

I apologize for any inconvenience or frustration that this matter has caused. Please understand that once we receive the additional information, we will investigate this matter immediately.

Sincerely,

[redacted], on behalf of Capital One

Review: Capital One Auto debited my checking account without my authorization for someone else's auto note. My name is not on the loan agreement at all. I had made "one time" payments for the person in the past. The money was withdrawn from my account on 11/12/2013 but I had deleted my banking account information from the website on 08/18/2013. So therefore I know they had my account information stored!Desired Settlement: I think I should be refunded immediately because I have bills to pay with that money specifically the 4 credit cards I have issued by Capital One!

Business

Response:

January 8, 2014

Dear [redacted],

I reviewed the situation you explained to the Revdex.com (Revdex.com) and would like to address your concerns. We apologize for any delays you may have encountered attempting to get clarification on this issue.

Thank you for taking the time to speak with me regarding your Revdex.com submission. On our call, you explained that the auto loan in question belongs to your son, whom you previously assisted with a payment. You stated that you believe he may have used your account information to submit an unauthorized payment. You also stated at that time that you received confirmation that your funds were refunded to your checking account.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted].

Sincerely,

On behalf of Capital One

Review: Capital One Credit in which I am past due on payments. I have attempted on numerous occasions to log in to my account online and I am always informed that too many attempts to sign has "locked" my account. I would like to resume my regular payments with this company (after catching up my payments) but am never able to talk to anyone in customer service. I have been contacted repeatedly by their collection agency, but when I pick up the phone there is no one there. When it goes to voice mail, I have messages from a [redacted], but can never get through when I call back. I refuse to deal with their collection agency and I will resume my payments when I can gain access to my account via the Capital One website. .Desired Settlement: I would like their collection agency to stop contacting me, I would like to gain access to my online account so I can monitor what is owed and make my payments accordingly. I will not pay anymore and will allow the account to default if this does not occur.

Business

Response:

Dear [redacted],

I'm reaching out to you about your recent complaint to the Revdex.com.

Our records show, as of the date of this letter, your account is 224 day past due. Once an account is 180 days past due, it is placed in a charged off status. When an account is charged off, customers no longer have the option to view account history or make payments online.

Your request to cease phone calls has been honored. This will stop further collections calls. If you would like to discuss payment options, please contact our specialists at [redacted], Monday through Friday from 8 am to 9 pm ET.

If you have additional questions or concerns, please give me a call at [redacted], Monday though Friday from 10 am to 6:30 pm ET. I'm glad to help any way I can.

Sincerely,

[redacted], On behalf of Capital One

Review: I recently purchased a car financed through Capital One. My first payment was due on May 1, 2014. I made the payment on the 23rd of April and it showed as collected. I went online to pay some of the principle off yesterday and saw that my payment was in fact not processed and they are now requesting double the payment in June. My funds in the account were well above the amount for the payment and they cannot provide a reason as to why it was not withdrawn. Nobody attempted to contact me regarding this and now as opposed to helping my credit with on time payment history, I show a delinquent payment. I have attempted to contact Capital One and cannot get any help.Desired Settlement: For other consumers to be aware that Capital One does not follow up with people and can potentially cause financial issues as a result.

Business

Response:

Dear [redacted],

We have reviewed the situation you explained to the Revdex.com and want to address your concerns.

We apologize for any delays you may have encountered attempting to get clarification on this issue. We appreciate you allowing us the opportunity to review your concerns, and assure you that Capital One is committed to providing superior quality service.

Upon receipt of your complaint, I attempted to contact you to address your concerns, but to no avail. Should you have additional questions after reviewing our response, I encourage you to contact me directly at the number listed below.

In reviewing this matter, we confirmed that a payment was scheduled via our online banking website on April 23,2014, for the amount of $[redacted]. This payment was subsequently returned by your bank on April 28, 2014,because an invalid account number was used. Based upon a recent payment scheduled, we confirmed that two digits were missing from the account number entered on April 23,2014.

Please note that your account was still current after this payment was returned. Please understand that we are unable to contact you to collect on a current account, and before we had the opportunity to contact you regarding this payment, you contacted us.

Our records confirmed that we received your regular monthly payment on May 5, 2014, and your account is current until June 1, 2014. Additionally, we did not report delinquent information to the credit reporting agencies regarding your auto loan with us.

We regret any inconvenience this matter may have caused you. If you have questions regarding this specific response, I can be reached a [redacted].

Sincerely,

Office of the President, Financial Services

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: [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: I have written server letters to Mr. [redacted] the CEO of Capital one, and he has had several of his employees contact me but none of them, seem to really know what had gone on with my account.

I worked with [redacted] a, Capital one employee to get this account paid off. I paid the account off on Mar 2014, and Capital one has written this paid account off and told me that it was sold with a zero balance. Just the other night a Capital one employee named [redacted], calls me up and asked me what amount was written off on my credit report. I gave him an amount of $1345.86 from one of my credit report, and he turns around and sends this information back to me in a letter today, like I’m someone that is stupid.

Please find attached my personal check, my [redacted] statement where Capital One took $1650.20 , which is what [redacted] said I owed and I paid. But Capital one turns around and tell me that they wrote off $1345.86. Capital One accounts receivable books are off.

I really thought that Capital One CEO, would have had his folks to pull all the conversations that [redacted] and I had, and they would have seem what was been going on with this account. All Capital one did was dismissed me like I was someone stupid.

All I want them to do is show that this account is paid.

Respectfully,

[redacted]Complaint concerns: a Credit CardDesired Settlement: Show that this account is paid on my credit reports. Capital One is cluless about that has happen with this account. They keep saying the same things over and over like that wil make it right.

Business

Response:

Please see attached.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in follow up to our conversation on December 25, 2014, about your concerns with the reporting of your account to the Consumer Reporting Agencies (CRAs) like [redacted] and [redacted]. We show that we have previously responded to similar letters from you regarding the two accounts referenced above. We regret you were dissatisfied with our letters dated September 18, 2014, September 30, 2014, October 13, 2014, November 14, 2014, and December 4, 2014. Each of these letters detailed our position regarding the account in question. We strive to provide excellent service to all of our customers. Respectfully, we feel that our previous responses fully address your concerns, and we continue to uphold our position. For your review, we have enclosed copies of these previous response letters. Our records show that the account is reporting correctly as charged off and sold with a zero balance. We are unable to honor your request to remove the sold reporting and report the account as paid in full. We are required to report a zero balance since the debt was sold to a third party. I was not able to locate any record of your conversations with an associate by the name of [redacted]. When we spoke, you stated that each time you spoke with [redacted] about your account ending in 2079 you would request for her to transfer you to [redacted]. I reviewed three calls dated January 30, 2014, March 4, 2014, and March 17, 2014, in which you spoke with [redacted]. You discussed your account ending in 2079 with her; at no time did you mention your account ending in [redacted] or did you request to speak with [redacted]. None of these calls resulted in a transfer to another department or an agent by the name of [redacted]. To clarify, your account charged off due to delinquency on July 31, 2013, and it was sold to [redacted] August 12, 2013. We did receive your payment of $1,650.20, on March 25, 2014. We are required to process all payments that are received into our offices. However, we forwarded the funds to [redacted]

[redacted] as we could not apply the payment to the account since we did not own the account at that time. If you have questions or 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

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.

Because an employee of Capital one called me on the phone during January 2015, and the data that was presented the Revdex.com in this attachment, is the information, that I provided to the Capital One representative. Capital one has not told me any, other that repeat back to me the answer to the questions that they asked me. The information in this attachment is the information that I gave to Capital one.

Regards,

Review: My due date is today 2/23/2015. I went online to Capital One's website and submitted the payment directly through them. However, their website would not process it with today's date; it automatically put tomorrows date and would not let me change it. This means I will be charged a late fee. I immediately started a chat with their customer service representative and she said it was Capital One's policy to charge a late fee if you pay the day it's due after 8pm. This is not ethical because the due date on the bill says 2/23/2015 and if I paid on that date they should not be charging me a $30 late fee.Complaint concerns: a Credit CardDesired Settlement: Company needs to credit the late fee back to my account since the payment was not late and paid on the date due.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], I am responding to our phone conversation on February 25, 2015, concerning to your complaint received by the Revdex.com regarding a late fee on the account. Your January 2015 billing statement advised that your minimum payment of $25.00 was due on February 23, 2015. On this same day you processed your online payment in the amount of $45.00. As the payment was made after 8 p.m. ET, it was posted for the following day. Please refer to the back of your monthly billing statements under, When will you Credit My Payment, section for additional information. Our records confirm that the late fee billed to your account on February 23, 2015, was for $19.00 and not for $30.00. To bring this matter to a closure, we have issued a credit in the amount of $19.00 for the late fee billed to the account. You will see the credit on your March 2015 billing statement. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 7 a.m. to 3:15 p.m. PT. Sincerely,

[redacted], on behalf of Capital One

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: Credit card paid in full months ago. I have called and requested my account to be closed several times without response. As I've been away for some time and didn't have access to my mail, I realize they've sent bills for fees I should not have accrued considering I requested my account to be closed several times. I also now have a delinquent reporting on my credit report.My complaint concerns: a Credit CardDesired Settlement: I would like the fees to be deducted and my credit report to be updated to reflect my request to close the account.

Business

Response:

Dear [redacted], This letter is in follow-up to your concerns directed to the Revdex.com (Revdex.com) regarding your account closure and information we’ve reported to the Consumer Reporting Agencies (CRAs). I have information to share. On February 10, 2015, you contacted Capital One requesting to close your account. On January 19, 2014, a payment of $839.67 was received and it was returned on January 20, 2014, as it belonged to a bank account that we were unable to verify as belonging to you. On January 21, 2014, your account was placed with a permanent fraud restriction due to the returned payment. On January 30, 2014, you contact us and stated that a family member advised you that you could use the routing and account number even though it was not yours. This agent advised you that the restriction would remain permanent. For reasons listed above, on February 10, 2015, the agent had to transfer you to the fraud agent to process your request to close the account. However, the agent was unavailable and you were transferred to her voicemail. On February 18, 2015, the agent contacted you back and left you a voicemail requesting that you call her back to submit the request to close the account. Our records of your account shows that the agent was not contacted back and your account remained open. On October 5, 2015, we closed your account. We’ve taken another look into the handling of your account and confirmed there were not any errors. On August 5, 2015, the account was billed for the Annual Membership Fee of $39.00. On September 2, 2015, the account was billed a past due fee of $15.00. On September 5, 2015, the account was billed an interest fee of $0.69. On October 2, 2015, the account was billed a past due fee of $34.00. This balance of $88.69 has been credited to your account. This credit will appear on the October 2015 statement sent to you. The account balance is now zero. I have confirmed that we are not reporting past due payments on your credit file. Your account will now report as closed with a zero balance. It may take up to 60 days for this to reflect with the CRAs. 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 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 PIN available: [redacted]. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One