Capital One Financial Corporation

Review: Payment made in February that was not credited to my account but was electronically paid by my bank. I contacted them and faxed copy of bank statement and ach request for payment. Received communication that more information was needed. In March I sent a letter and copies of bank statement and ach request. I received letter dated April 5 that payment had been located and my account would be credited any charges would be credited. This has not happened and I am getting phone calls as many as 7 or 8 a day including on Sunday. I have continued to make my monthly payment during this dispute.Desired Settlement: I want my account credited for the $57.00, all fees credited and the phone calls to stop!

This is my phone number [redacted]

Business

Response:

We have responded to the cardmember by telephone on May 30, 2013. The matter has been resolved in the cardmembers favor.

Review: I am TOO through with this [redacted] bank! I have since cut-up the card and have closed the acct. I know that my payment of this card is due on the 14th of EVERY month. I received an e-mail as a payment alert on 05/12 that stated my payment was not due until 05/24/13. I just happened to look at my acct last night 05/20/13, and it shows my acct as being -$12. I have been charged a fee of $25 for a late charge fee which now to say the very least, I am passed being PISSED! I called this it bank at 11:00 am today, 05/21/13. I talked to another it who hung-up on me. There was definitely a language barrier so he might have hung-up because of that. I informed him that I had cut the card up and was trying to explain the situation. I ALWAYS pay this bill on time. NOW, one system states the payment is due on the 24th and now, like I said, I am being charged over the limit fees for something that was NOT my fault. I want a FULL REFUND! It's bad enough that they charged me $59 for an annual fee on 03/20/13 that luckily I had funds in the acct for. Now, I am being charged $25 for a late fee that is definitely NOT correct! I know it better NOT show on my credit report! I HATE THIS BANK AND CAPITAL ONE which is a bank and credit card company. I will pay these BLOOD SUCKERS OFF and NEVER, read my quote" NEVER" apply, or use ANY OF THESE cards EVER again!Desired Settlement: I want the overdraft fee put BACK in my account and this BETTER NOT SHOW ON MY CREDIT REPORT! I will be going to the office of the [redacted] as well with this complaint. This is utterly ridiculous!

Business

Response:

Hello,

I have spoken to custoemer case have been resolved in customer favor.

Customer is satisfied with the resolution.

Review: I applied for a secured [redacted] with capital one back in July 2012, Was told by the representative by opening this card and making good payments for 6 months, will definitely be offered an UNSECURED credit card or credit line increase. I have had the card for over 12 months now and still no approvals or offers, only a whole bunch of unknown fees on this secured capital one card that I have now. Each time I reach out to capital one, I am told that there is nothing they can do for me and hangs up on me. NO help what so ever. II have been making good payments with the secured card that I have now & I have applied for other credit cards & loans, and still nothing. I will be starting college soon and will not get approved for ANYTHING. false advertisement of the capital one secured card. I am very upset.Desired Settlement: Approve me for an UNSECURED card & give me the credit that I derserve.

Business

Response:

Matter is considered resolved. I called and spoke directly to customer on 08/28/2013. I provided customer with findings: Customer does not have the option to go from Secured to Unsecured, however she can apply for a new card through [redacted]. Customer was given the department contact information for further assistance. Matter is resolved and closed.

I purchase over $4,000,000,000
A year from this CC!!!!
They [redacted]!!!!!!!!!!!

Review: I wrote directly to Capital One to explain my extenuating circumstances in conjunction with Non-Receipt of Billing statements regarding a balance that became past due. After the birth of our second child my wife experienced major post delivery complications with retained placenta which resulted in her having placenta accreta. She was rushed to the emergency room, given two blood transfusions as result of internal bleeding and ultimately had a total hysterectomy. This at the age of 34. she had a hospital stay of 2 weeks as a result of the surgery and then had an internal infection at the surgery site which required an additional stay of one and a half weeks. She ended up in and out of the hospital for a month. At this time I was caring for our 2 week old baby and 2 year old son while my wife was battling for her life in the hospital, through the graces of god she made it through. During this time needless to say I was very dependent upon all my creditors to notify my of payments due via statements which they did other than Capital One as I was trying to keep our finances in order on very little sleep and very little time caring for two young children. I never received a billing statement from Capital One and the bill became over due, I received a call from Capital One regarding the outstanding balance. Once I was made aware of the outstanding balance I paid the balance in full immediately. I have always in 8 years with Capital One paid all of my debts on time and in full other than this aberration as a direct result of my extenuating circumstances and because I was never notified of the itemized bill via a monthly statement. Capital One responeded to my letter on November 30, 2013 stating that in order to pay my bill on time to review my monthly statement for amount due and date. I am attempting to buy a house and these two marks are severly hindering my credit score, I am at a point of desperation as my credit score has dropped 75 pointsDesired Settlement: To have a good will adjustment in your reporting to the three major credit bureaus for my credit file. I have a 30 day and 60 day mark from the months of September and October 2013 respectively

Business

Response:

Dear [redacted],

We were recently notified by the Revdex.com of your concerns regarding non-receipt of statements, difficulties experienced with your household, and information we've reported to the Consumer Reporting Agencies, like Equifax, Experian, etc.

We understand you would like us to modify the information we reported about your account. Our records show that your account was reported past due for October 2013 and November 2013. This resulted as the required minimum payments had not been received during the September 2013 through November 2013 billing periods.

Our records show that your account was enrolled within our Online Banking System, on November 24,2008, and that no paper statements were requested. Additionally, our records reflected that the email address, of [redacted], on file for your account corresponds with that provided within your complaint. Please note that electrionic mail notification is sent, to the email address provided, 2-3 days after the billing statement cycles to inform you that your statement is available.

Based upon the concerns that you expressed, we have made a business decision to update the payment history for September 2013 through November 2013. As a result of this action we are also notifying the Consumer Reporting Agencies update your credit profile accordingly. Please allow 60-90 days for Consumer Reporting Agencies to update their files.

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

Sincerely,

[redacted], on behalf of Capital One

Review: I have a credit card with Capital One [redacted]. I received this card in 2012 with a 0% introductory offer. I have had several other cards with 0% introductory offers over the years with different companies. With these other companies, a written statement was given to me to inform me of a change in the interest rate at the end of the introductory period. Some companies even include a date on each statement to inform you when the introductory rate expires and what the new purchase APR will be. Capital One does not follow through on this. In fact, I tried numerous times to find the expiration date of the introductory rate and the new rate without any success. I was startled to find a large interest charge on my account in July. I immediately contacted Capital One customer support and explained the issue in detail. However, no assistance was offered. I strongly feel that this practice is unethical if not illegal. Moreover, the adjusted interest rate is impossible to rationalize. I have excellent credit and so applying an interest rate above 20% is nothing less than stealing. This issue is putting a huge burden on my family' financial situation and Capital One has done nothing to provide assistance or provide a viable explanation for these practices.Desired Settlement: I strongly believe that the Capital One should extend the introductory rate until a formal document stating the change in the rate is provided. Moreover, I believe that the interest rate needs to be adjusted to better represent my current credit situation.

Business

Response:

We have responded to the cardmember by telephone on August 29, 2013 and informed him that this matter is resolved. Unfortunately, we were unable to honor his request. We have also advised [redacted] that his account has been issued credits which he will see in 1 to 2 billing cycles.

Capital one sucks after applying for 2 cards and me canceling one I used my PO Box they keep sending me letter and calling me on the phone about fraud after talking to these people 100 times and telling them that it is me and no one is using my information now they are telling me I must go into a bank and verify my identity. If someone was trying to use my information I would have informed they by now. After a month in still can't use my card and I still have to go through all these leap holes. I will never do business with capital one again I understand people steal identities but when I send you everything but a book about my life to you to verify who I am and I still can't use my card I feel as though I'm begin treated as a criminal and it's ridiculous and I will not stop until the restrictions are taken off my card I had to go through all of this and I won't stop I'm very disappointed with this sorry company.

Review: I called capitol one to make a $40 payment! after I made the payment I then called my debit card to check balance,, when then I was made aware of the fact that they also took a 250.00 payment out that I was never informed about nor did I authorize.. So I then called capitol one who informed me that the 250.00 wasnt on their end, so I called my card holder got confirmation that it was taken from them, called capitol one back and was told the transaction was vioided, I never voided it I thought when I called you a few minutes ago you couldnt see it on my account!! some fraud is going on I do belive Now I have to wait to have the money put back on my card and capitol one told me thhere was nothing they could do is void it and have my money back in 3-5 buisness days!!Desired Settlement: I believe I should be credited 250 to my credit card I mean its only fair.. thats my rent money!!

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], This letter is a follow up to our phone conversation on February 10, 2015. I am taking this opportunity to apologize for the interaction you experienced when you contacted us to make a payment. I want to assure you that we are committed to providing superior quality service to all of our customers. I regret this was not the case with your concern. As an established leader in the credit card industry, we take our commitment to servicing your credit needs seriously and make every effort to honor that commitment. Please know that your feedback was instrumental in helping us to identify an opportunity to strengthen our position on delivery of service. You explained to me that the $250.00 payment, which you state was not authorized, was returned to your bank account later on the same day that it had been made. We appreciate any occasion to interact with our customers and look forward to maintaining a positive and successful relationship. Thank you for your attention and if I may be of further service, please contact me at [redacted]. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely,[redacted], on behalf of Capital One

Review: On April 20, 2013I open a new account with [redacted]; I was told that my new account information will be arriving in the mail within the next 10 to 15 days. I never received any information.When I called [redacted] the account was closed as missing card loss or stolen, [redacted] issue a new account number and told me to wait 15 more days this period has passed; Today June 7, 2013 I called [redacted] I spoke with a supervisor name [redacted] I explained this is the third time Im calling to report that I have not receive my credit card information and again [redacted] wants me to continue to wait.[redacted] is putting my credit information at risk they claimed they mailed the information I waited for 6 weeks and Im wondering where my credit card and my bill statement.I have no access to my account information they refuse to provide me with my full account number over the phone, the only way to access my information is by providing my social security number my birthday I also have to answer a series of security questions.I also contacted Capital One Retail Services [redacted] Re: I have to go to the same procedure I provide my social security number provide my Date of birth and have to answer a series of security questions, this company is putting my credit information at risk I will like to file a formal complaint for negligence and for failure to comply with their customer service policy and procedure, as their customer I have the legal right to exercise fair customer service.Desired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] is a risky business.I want to have a credit card with a new number mail to my address via certify mail.

Business

Response:

We have responded to the cardmember by telephone on June 14, 2013. The matter has been resolved in the cardmembers favor.

CAPITAL ONE IS ONE COMPANY WHO HAS BEEN DESTROYING PEOPLE. They have NO concern for people. Some people have been unemployed for over two years. As I have and only working part time to put a roof over my head and food on the table. Today I go to buy some grocery's and find out that my checking account has been frozen for garnishment Capital One has take all of our money and for the next week we do not have food on the table! All credit Card Companies should be held liable for American's who are without food and give back to people who they are destroying! But they will never help people! Capital One only has one thing in mind and Yes it is to hurt people and destroy people!
Would I recommend Capital One as a hole to people? [redacted] NNNNNNOOOOOOOOOO!!!!!!!!!!!!
THANK YOU CAPITAL ONE YOU CAUSE MORE HARDSHIP ON TO ANOTHER FAMILY!

Review: This company has trouble posting on line and mobile payments. For the past 4 months I have made payments and they have been returned. I am still unable to make a payment after several phone calls even after confirming with my bank and a representative from the company. Every representative says they will call back but they do not. I contact them only to be put off another day. The account is considered delinquent and is affecting my credit.Desired Settlement: I would like the company to fix my credit report and my account.

Business

Response:

We were able to contact our customer by telephone regarding her complaint about her payments not processing to her account. Our research shows that our customer’s bank changed her account number in January 2013 and also sent us a Notification of Change (NOC) with this information. We advised our customer to contact her external bank regarding the changes to her bank account.

Review: This is in regards to a credit card that I have with capital one with a balance of $654 here is what happened:

1. Capital one failed to provide me a statement and notification online that my statement was available

2. As a result capital one reported my account 60 days late.

3. Because of this I am having difficulty getting a mortgage for a home for my son and I.

4. Their website was changed and because of this tgeir website is unavailable on my computer.

I am a cancer survivor, single mother and disabled veteran. This negative information is detrimental to my child and myself financially.My complaint concerns: a Credit CardDesired Settlement: Correction to my credit report to all 3 bureaus. Paper statements since I can't access their website and capital one doesn't notify me via email that my statement is available.

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. Our records show your concerns were addressed in our July 1, 2015, response letter. I have enclosed a copy of that response for your review. We respectfully decline your request to update the reporting on your account to remove delinquencies as we have confirmed that we are reporting accurate information about your account’s status to the CRAs. Although we have confirmed that you are receiving email and text alerts about your account status and availability of biling statements, and that you have logged on to online banking and viewed such statements, I neverless updated your account preferences based on your complaints. You will start receiving paper statements again to the address we have on file within the next 1-2 billing cycles. If you have additional questions or concerns, please call me at [redacted]. I am available to assist you from the hours of 9:30 a.m. to 6 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: I APPLIED 1 TIME FOR CREDIT FROM CAPITAL ONE.FOR SOME REASON THEY HAVE 12 DIFFERENT HARD INQUIRIES ON MY CREDIT REPORT.I DO NOT HAVE ANY KNOWLEDGE ON WHY OR HOW CAPITAL ONE WOULD HAVE TO RUN SO MANY INQUIRIES WITHOUT ME STARTING THE PROCESS WHICH I DID NOT.THIS REALLY HAD AN EFFECT ON MY CREDIT SCORE WHICH REALLY MAKES ME UPSET.My complaint concerns: OtherDesired Settlement: REMOVE ALL HARD INQUIRIES THAT CAPITAL ON HAS ON MY CREDIT REPORTS.

Business

Response:

Dear [redacted], This letter is in response to the concern you sent to the Revdex.com (Revdex.com), about the inquiries reflecting on your credit file. In your request you stated that you applied for a Capital One account only once. However, you stated that there were 12 hard inquiries reporting, and you would like all the inquiries removed. Thank you for your patience while we researched this matter. After reviewing this information, we confirmed that there were a total of six inquiries reflecting on your credit file from Capital One. Out of the six inquires; we made the business decision to remove one inquiry dated June 16, 2014. We found that the other inquiries are valid, and will remain on your credit file. Please allow me to provide further details of our research findings. We received internet applications for credit on June 16, 2014, December 10, 2014, December 13, 2014, January 13, 2015, June 29, 2015, and August 9, 2015. These applications were not approved and letters were sent providing the reasons for the declines. I have enclosed copies of these letters for your review. We verified that the name, address, phone number, and email address used on the valid applications link to you in public records. The Social Security number and date of birth used on the applications match information on your credit file. In addition, the information you provided on your request to the Revdex.com also match what we found in public records. Finally, we were unable to link you to the address provided in the application we received on June 16, 2014. However, all other personal information provided linked to you in public records. As mentioned above, we submitted a request to have this inquiry removed. We ask that you please allow the Consumer Reporting Agencies (CRAs) 60 days to update this information. We are unable to determine how these inquires may impact your credit score. Please reach out to the CRAs for further information. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 9 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. 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 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 contacted capital one,the fraud department agreed this was a cause of fraud.like I told them I applied for a secured card on december 10th 2014 and a business card august 2014.the rest were not done by me.as for 6 inquiries.thats 6 per credit agency total of 18.why did the capital one fraud department agree to send letters to credit bureaus.now you have a different answer.this is very damaging to my credit report im trying to fix.I want 12 removed from my credit reports and stop accepting applications in my name.as for the letters you sent.I have never seen any letters sent to this address.so now where are they getting sent to?all I want is 12 inquiries I didnt not apply for or give anyone permission to apply for.also for you to stop any applications sent in with my name on them.

Regards,

Dennis Hildebrandt

Review: I honestly have no idea. I found [redacted] on my credit report. When I contact [redacted] they informed me Capital One was who had the account.... Capital On had a company called [redacted] has me turned in to the credit bureau for $33.00! I have been a member for [redacted] ([redacted] First) Premier since 1993. 21 years! [redacted]

[redacted] informed me when their computer system was updated the system changed my address was changed to [redacted] instead of 3[redacted]. the error was on their end.

Now that Capital One took over this account they ([redacted]) can't help me.

I need Capital One to step up to the plate and correct this wrongful, hurtful, information.Complaint concerns: OtherDesired Settlement: Repair my credit and remove this from ALL the credit bureaus.

Business

Response:

Capital One® PO Box 85870 Richmond, VA 23285-5870 January 5, 2015 [redacted] 31821 CEDAR TRAIL WARRENTON MO 63383 Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], I’m reaching out to you about your complaint to the Revdex.com, in reference to information we are reporting to the Consumer Reporting Agencies (CRAs). I’m happy to share more information about this. We have reviewed your concern and found that we are not reporting this account to the CRAs, like Equifax and Experian. I hope this information helps! If you have additional concerns, please give me a call at [redacted], Monday through Friday from 10:30 a.m. to 7 p.m. PT. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One cc: Revdex.com

Consumer

Response:

Dear [redacted], [redacted] states they turned their credit accounts over to Capital One. [redacted] point to Capital, Capital takes no responsibility, [redacted] points to [redacted]....... I honestly have no idea what's going on.

What I do know is its a MISTAKE by others at my expense. I hold everyone involved accountable until my credit is CLEARED! Thanks for the phone call.

Thanks

Review: Dear: Capital One I had a acct[redacted] Financed car loan with Capital One Auto Financial from March 2009 - August 2011. On August 2011 I traded in my car to the dealer. I received a payoff quote from Capital One. I saw that my September 2011 monthly car payment was going to be due and payoffs could take up to two weeks before posting. I went ahead and paid Septembers car payment. Four days later received a my car payment back into my checking account. Check my Capital One loan account online, ACH Transfer payment made by dealership, car loan payoff. Excellent. About 10-15 days later paid in full letter from Capital One Auto arrived.Two month I get a credit monitoring alert, late payment post on your credit file. WHAT!! Capital One report 90 delinquency. Call them immediately, Rep tells me account paid in full 90 delinquency Charge off. WHAT!! I have paid in full letter with me and loan balance is zero on my account.I ask whats going on?, no answer or response. I never received email or phone call telling me that my loan was in default or much less a charge off. I even tried to make a extra payment on my loan.It has been 5 five years since then, no one has bother to investigate or even look at what I'm saying is true. I have been punishment on my credit file for something that was not my error or fault. Every time a call its the same story, paid in full 90 days late charge off.Please someone just look a the facts, was a payoff made on the loan amount in full in September before any late or Charge off, was a paid in full letter mail out in September, did my account show a attempt of a car payment was made, but got refunded.I tried calling the today, to get some information or proof of what I'm saying. Only thing rep could provide was paid in full letter and original sign contract. Nothing to help me show what I'm telling is correct.My complaint concerns: an Auto LoanDesired Settlement: Please remove incorrect info on my credit file or provide information that shows me what I'm saying is incorrect.

Business

Response:

Dear Mr. [redacted],We have reviewed the situation you explained to the Revdex.com and wantto address your concerns.In reviewing this matter, we confirmed that we previously received similarcorrespondence from you regarding this matter via the Revdex.com(Complaint ID # [redacted]). We have [redacted] copies of our previous responses for yourreview. Please note that our position has not changed since our previous response.However, we have completed another review of your account, and again, we haveconfirmed that we are accurately reporting your account to the consumer reportingagencies. While we understand that you would like Capital One to modify the informationwe reported about your account, we have confirmed that we are reporting accurately.Therefore, we respectfully decline your request to change the reporting of your paymenthistory.If you have additional questions, I can be reached at [redacted]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 had my Capital One card for a few years now. I remember the initial commercials that enticed me to get this hotel. "No Hassle Rewards" was the most notable part of the commercial. In the end, I knew I love to travel and having a credit card that could provide this was essential to my wallet. Last week, I traveled to [redacted]. Before going to [redacted], I knew I needed a rental car because I was driving to [redacted] to meet with friends. A one-way trip. I went on Capital One's rewards site and booked a good deal for a little over 300 dollars for a week rental. I was ecstatic and ready to travel. Well, when my wife and I (after a long travel day) arrived to the Budget rental counter, the representative for Budget said we owed a $150 one way fee. Well, that was surprising to us since the Capital One Rewards received said it included all "taxes and fees". We thought this would be a simple mistake and Capital One would abide by their "No Hassle Rewards" commitment and take care of us. The first representative talked to us very nicely and put us on hold for about 5 minutes. Needless to say, this isn't the way we wanted to start our vacation. She stated that after "lots of looking" she found one clause that said that one-way fees could be charged and apologized. Clearly this is so well hidden that I had no idea where to even find this clause. Dissapointed as the "No Hassle Rewards" were creating more hassle, I asked for the supervisor who repeatedly stated that there was "nothing I can do" and that we can send an e-mail to the customer relations for a possible refund after we pay the $150. My travel budget didn't include a $150 one way fee as I had already set aside our travel money for the week. $150 isn't exactly a small amount of money, especially since you had to wait for a return e-mail to see if Capital One would even pay you back. I was fairly surprised that the only response I could get from the supervisor was an e-mail address and a "sorry, tough luck" approach. Whenever I travel, I don't expect to be hit with fees. I expect easy traveling and Hassle-Free traveling. I felt that I was made unimportant even though I use my Capital One card fairly religiously and always pay my account on time. If the charge of $150 was made at the beginning and was included in the rewards, I would have no qualms paying it. However, when I made my case to the representatives, I was made to feel there was nothing they could do and they would "work on fixing this". This is very unfair to the customer and unexpected of Capital One. Out of my other credit cards, ([redacted]), I have NEVER had any difficulties cashing in rewards and customer service went above and beyond to help with any problems. I expected more of Capital One and their "No Hassle Rewards".Desired Settlement: I would like Capital One to ackowledge that this is not a fair practice, and to attempt to explain to me why I should stay with their credit card when I have so many other options. I would ask for a refund, but there is nothing to refund (outside of a valuable hour or two of lost travel time for me and my wife).

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted],

I’ve been attempting to reach out to you about your complaint to the Revdex.com. I

would like to try to help you with this.

Please contact me at the number listed below so we can discuss your complaint and allow me

the opportunity to turn a poor experience you have had into a good experience.

Please give me a call at [redacted], Monday through Friday from 11:30 a.m. to 8 p.m. PT.

I’m glad to help anyway I can.

Sincerely,

[redacted] on behalf of Capital One

cc: Revdex.com

Review: In Dec 2012, I made my monthly payment over the phone for my credit card. The person over the phone typed in the incorrect payment information, which caused the payment to not go through. I called 3 weeks later on this account and the representative confirmed that the mistake was in fact made by a Capitol One employee (and stated the call was recorded). He refunded the late payment and took the correct payment information. I asked this representative if the late payment would not be reported to on my credit report, and he stated it would not, since the payment was not late due to me. A few months later I checked my credit report, and this payment had indeed been reported as late. I called Capitol One and the representative said they would fix this, and to check my credit report in 2-3 months to make sure it had been done. I did this in July 2013 and the reporting hadn't been fixed. I sent a letter to Capitol one in August 2013 stating this needed to be fixed, and Capitol One sent a letter back stating they did nothing wrong and would not fix the reporting. I have a perfect payment history with Capitol One and they record calls for quality purposes.Desired Settlement: Capitol One needs to fix the reporting to [redacted] and state that the payment was not late, as I did call and make a payment on time.

Business

Response:

Dear [redacted]:

I’m reaching out to you about your complaint regarding the information reporting on your credit file. We have looked into your request, and I’d like to share more information about this. We apologize for any inconvenience that you have experienced. After careful review, we made

the business decision to honor your request. We’ve updated your credit file and removed the late mark reported on December 12, 2011. Please allow 30-60 days for your credit profile to reflect this change.

If you still have questions, please give us a call at [redacted]. We’re available Monday through Friday, 9 a.m. to 5:30 p.m. ET. We're happy to help.

Sincerely,

Review: I received a call from Capital One rep around the beginning of December 2013. This rep was calling about my application I applied for online. This rep said she was from Capital One and was not providing me with her contact information. I assumed it was legitimate. She asked many private questions about my identity and address,ect. She then said my application was approved.

This woman said my card would be mailed within days. Weeks later, I received no card nor letter in the mail; which is customary.

I called Captial One and spoke to reps whom sounded all from some foreign nation and not one would let me speak to a manager.

I informed them that I was concerned about identity theft attempt by some stranger which is definitely possible, especially since I received no card.

The reps on the phone said that "I must be confused about this." I restated that I am calling to ensure someone at Capital One called me, however; these reps would not confirm that 'anyone' called me at all. In fact, they would not acknowledge that my issue was legitimate nor do any research about 'who' called me weeks prior (if anyone from Capital One.) They kept repeating that they checked my application online and said it had not processed and that they "needed my address." I asked them 'why' they needed my address when it was provided on the application and to the rep whom I spoke to on the phone weeks ago. This new rep would not answer any of the questions at all.

So, at this point, I still don't know if the call was 'legitimate' or not. I need a supervisor at Capital One to research whom and why I was called in early December and why they approved me over the phone. Also, since approved, why have they not sent a card nor any documentation? I have never had a credit card company do something like this and it is very 'unprofessional.'Desired Settlement: I 'need' them to see who called me in early December and counsel them on 'why ' they approved me over the phone and never sent a card or a denial letter. If there is no record of such a call, I need to know this also, as I will need to place a fraud alert on my credit report. I gave this Capital One rep all my personal information, it is a BIG DEAL!

Business

Response:

The Customer previously applied for a credit card with Capital One online. She received a call from an agent who needed to verify her address but could not explain to her why. The Customer was afraid that someone was trying to commit fraud. Our records show that a new card was mailed on 12/17/2013. We are unable to locate any information regarding a call to the customer to approve her application for credit. While waiting on Fraud to respond, the customer called in to advise that her complaint was settled and her card was received.

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].

I RECEIVED THE CREDIT CARD IN THE MAIL TWO DAYS AFTER MY COMPLAINT WAS FILED. THE SITUATION WAS UNFORTUNATE THAT I FILED THE COMPLAINT WHEN I DID AND NOT LATER, AS IT WAS ONLY A MATTER OF ME RECEIVING THE CARD LATE. THE PERSON WHO CALLED ON THE PHONE WAS NOT A FRAUD AND I FORTUNATELY DID NOT PROVIDE MY PERSONAL INFORMATION TO CON ARTISTS! I WAS RELIEVED TO HEAR THIS. I SPOKE TO CAPITAL ONE OVER THE PHONE AND INFORMED THEM OF ALL THE DETAILS. I DO APPOLOGIZE FOR THIS MATTER AND WOULD NOT HAVE FILED A COMPLAINT AT ALL. HAPPY HOLIDAYS AND I HOPE YOU WILL ACCEPT MY APPOLOGIES.

Regards,

Review: I paid my credit card balance of $20,000 on time and never late. I was expecting to receive the rewards of 35,681 miles/points but was told that the account was restricted due to security reasons and the rewards are being forfeit.Desired Settlement: Receive the value of my 35,681 miles/point as a check as initially agree when I applied to the credit card.

Business

Response:

The customer has been contacted and the customer's concerns have been resolved.

Consumer

Response:

Review: I have my banking relationship with Capital One, this including multiple business checking and personal checking accounts and 1 commercial mortgage loan. In the recent year, there have been multiple errors with my checking accounts (I have been short changed by deposit multiple times). In Aug 2013, Capital One made a mistake and withdrew $1700 from one of my business account without any authorization.. the error was never discovered by Capital One and I discovered that while reconciliation with my bank statement. This is the second month in a roll banking error occurs except with a much bigger amount. Due to this I contacted [redacted] - [redacted] Business Banker regarding the issue and express my concern. He told me that this is a human error which they will try to avoid but unfortunately, people made mistake. I understand human error, but I expect a bank have enough checks and balances to prevent this type of issue from happening. Since there is no guarantee that this could happen again and next time the amount could cripple my business, I like to move my banking relationship to other bank that are more competence in banking. I was threaten that if I move any of my bank accounts else where, Capital One will immediately call my mortgage notes. I felt like I'm being duped into this banking relationship with Capital One and now I'm being black mailed if I were to switch bank.Desired Settlement: first, they need to correct the error and immediately refund the $1700.00 back to my account. More importantly, do not black mail or hold hostage of your customer from switching bank when you are so incompetent.

Business

Response:

September 23, 2013

Re: Revdex.com Case ID:[redacted]

Dear [redacted],

We are writing in response to the complaint that you filed with the Revdex.com regarding[redacted] business checking accounts ending in[redacted] and [redacted]. We understand that you would like to move your banking relationship to another financial institution. We value your feedback and hope to address your concerns.

We have reviewed the account, and our records show that the three concerns raised in your complaint were addressed as soon as they were brought to the attention of Business Banker,[redacted]. Please understand that because we value your relationship, and hope to be of continued service, we wanted to ensure that we reiterated the terms of your signed promissory note which requires that you maintain your operating accounts with Capital One. A copy of this document is attached for your records.

We regret any frustration this matter has caused you. Thank you for choosing Capital One Bank to meet your financial needs. If you have any additional questions or concerns, please feel free to contact [redacted] at telephone number [redacted]

Sincerely,

Capital One Bank

Consumer

Response:

There is nothing propose from Capital One end to settle this issue. Per the promissory note they attached, the agreement is between [redacted], [redacted] (a completely separate entity) and NOT with [redacted] (where you mistakenly withdraw money from. However, [redacted] is holding both my companies accounts hostages (including [redacted]. last four account #[redacted]). [redacted]. is not anywhere listed in the promissory note and I should at least be able to move all of my accounts with the exception of [redacted] from Capital One to avoid any further damages or business disruption.

Regards,

Business

Response:

October 01, 2013

Re: Revdex.com Case ID:[redacted]

Dear [redacted],

We are writing in response to the follow up that you filed with the Revdex.com regarding[redacted] business checking accounts ending in [redacted] and [redacted]. We understand that you would like to move your banking relationship to another financial institution. We value your feedback and hope to address your concerns.

We have reviewed the account, and confirm that although the terms the terms of your signed promissory note requires that you maintain your operating accounts with Capital One, an exception has been made to allow him move your primary operating depository relationship without calling the terms of your loan. If you have any additional concerns or wish to proceed in this regard, please contact [redacted] at telephone number [redacted].

Thank you for choosing Capital One Bank to meet your financial needs.

Sincerely,

Capital One Bank