Capital One Financial Corporation

Review: I have been monitoring my credit because I want to purchase a home. In January, my credit score was 782, in February it was 723 because a fraudulent charge was put on a credit card by Capital One which they have no record of this card. On my credit report it shows that I have four Capital One credit cards, BUT THEY ONLY HAVE RECORD OF TWO!!! This charge "just appeared" on one of the accounts that they have no record of. I believe this account was for my late husband who passed away in 2006. So if I would not have been checking my credit, I would have not known about this charge. It is for $527.00 and Capital One can not explain this charge because they have absolutely no record of this account which is the one of the two on my credit report. How can a charge show up on a dead mans charge account when he died 9 years ago and show up on my credit report. So obviously they did not notify me of this because they cant even find this account. I had an issue with them prior to this so I called and talked to a manager who knew nothing about his job so when I received a survey to fill out a couple days later, I filled it out honestly and then all of a sudden, there is a "charge" on my credit report that is not mine and best of all, they don't even have record of this account, not under my name nor my deceased husbands name so like I said, I would have never known this unless I checked my credit report. I have called them several times and get nowhere so I emailed the CEO. Three hours after I emailed the CEO I received a phone call from someone who told my new husband that he would call back, would not leave a message. Well that was 5 days ago and I am still waiting to hear back from this person. This company has not shown you yet that they even care that this is messing up my credit and what they are going to do about it. I know standard procedure to dispute something on your credit report is to file a dispute, WELL HOW CAN I FILE A DISPUTE ON AN ACCOUNT OF A DEAD MAN AND CAPITAL ONE HAS NO RECORD OF?Desired Settlement: I want the two accounts on my credit report that they have no record of removed off of my credit immediately which includes the $570.00 charge and then I want something off of my balances of the two accounts that I do have with them currently for having my FICO score drop so much during this time and then they can not even locate the account where this charge was placed and held against me.

Business

Response:

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com regarding Capital One and what information we are reporting on to the Consumer Reporting Agencies (CRAs) like [redacted] and [redacted]. We would like to share some information with you. We have found the following information is being reported from Capital One to the CRA’s: ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as the primary. The account currently reports as with a zero balance. This will be updated after the next cycle to show the accounts current status which is closed ? Account ending in [redacted]: You are reporting as an authorized user, the primary is [redacted]

[redacted]. The account is open and no late payments reported During our phone conversation on March 13, 2015, I informed you of the above information. You confirmed with me that for account ending in [redacted] you were unaware of being on this account, and that it was being reported to the CRAs. You confirmed with me you are no longer needing assistance or research to be done, and that you were satisfied with receiving this information. We appreciate the opportunity to be able to assist you with your concerns. If you have additional questions, please feel free to call me at [redacted], Monday through Friday from 10:30 a.m. to 7 p.m. PT. I am 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: The following was reported onto my credit report. I would like to have it removed. I do not owe them money and my account was closed about 2 years ago. Date reported: 02/2014 Company: CAPITAL ONE Account Number: [redacted] Address: PO Box [redacted] Balance: $556 Telephone: [redacted] Company Bureau ID:[redacted]Desired Settlement: correct the report to the credit agencies and send me a letter stating the corrections please.

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com about your concerns regarding the information on your credit profile. I’d like to share more information about this.

Our records show your account was opened on January 15, 2009, and charged off due to delinquency on August 31, 2012, with a balance of $491.84.

Our records show as of March 27, 2014, we have deleted this account from the Consumer Reporting Agencies (CRAs). For your reference, the control number for this update is [redacted]. As these updates are processed electronically, please allow these agencies up to 60 days to update their files. In the interim, this letter shall serve as verification to any parties that may be interested in the outcome of this matter.

If you have any questions or concerns, please give me a call at[redacted] Monday through Friday from 10 a.m. to 7 p.m. PT. I’m glad to discuss this with you.

Sincerely,

[redacted]
on behalf of Capital One

cc: Revdex.com

Review: Been a card holder (my wife [redacted] and I) for 7+ years. Never missed a payment. Currently our family income is over 250k/yr. Capital One declined multiple requests for a credit line increase (ours was at 1k). Eventually, after very poor service and neglecting to respond to several requests, we closed the account (and paid off balance in full). On the same day, we got a Citi Bank card w/ a 10k credit line.

Since then, we have asked for a report of all transactions from 2014 for two reasons -- one, to pull data for a small business we operate. Second, to verify transactions because there is concern either fraudulent transactions have gone through the account. Capital One Customer Service Reps would NOT send us anything w/o faxed or written notification. As of the date of this complaint, we have faxed FIVE requests for the transaction report and have not received any sort or response. Calls to Capital One go to no avail as reps will not help us or seek alternative way to cure our request.Complaint concerns: a Credit CardDesired Settlement: Send a full list of all transactions from 2014 and do it immediately.

Business

Response:

Dear [redacted]. and [redacted], I’m reaching out to you about your complaint filed with the Revdex.com of Central Virginia (Revdex.com). I understand you’ve made numerous requests to receive a summary of all transactions made in 2014, but have yet to receive one. I tried to contact you by phone to discuss the matter, but was unable to reach you. I’m following up with this letter in an effort to address your concerns. As a Capital One customer, you’re eligible to receive a Year-End Summary (YES) for the prior year provided the account is not closed as of January 1st and transactions were made during the previous year. The YES is a detailed summary of your purchases and other account information from the previous year, and is typically available online no later than February 1st. Our records show you requested we close this account on February 12, 2015. This means your account was closed after the YES was created and should’ve been made available to you online. However, due to agent error, you were advised to fax a request in writing to receive your YES. I’ve provided feedback to the appropriate areas, and I’m truly sorry for this oversight. A YES was mailed to the address referenced above on March 9, 2015, and faxed to [redacted]

[redacted]. I’ve also enclosed a copy for your review. If after reviewing your YES you believe fraudulent activity occurred on your account, please contact me at the number referenced below so that we may begin a fraud investigation. Please be ready to provide the date, merchant name, and amount of the transaction(s), as well as why you believe it to be a fraudulent transaction, when calling. Lastly, I regret if our service or lack thereof led to your decision to close this account. We’re constantly looking for ways to improve on our delivery of service, and your feedback is a key factor in meeting this goal. If you have additional questions or concerns, please give me a call at [redacted] Monday through Friday from 9 a.m. to 6 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I purchased a [redacted] from [redacted]; Marlow Heights, Md. in Oct. 2014 for Approx.$24,500.00. The car was financed by Capital One Auto Finance. The interest rate is 20plus%. My monthly car payment is $569.52. I now realize that $405.21 is per month is Interest, and $162.31 goes to the Principal. This interest rate is astronomical. Ideally the interest rate is lowered so that my monthly car note is lowered.I really didn't realized I was being preyed upon under such predatory practices, and candidly, I didn't read all the fine print. I went with low down payment after I totaled my [redacted] purchased brand new from the same dealership, September 2006.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Refinance with a lower interest rate to where S300 goes toward the principal and the interest is a maximum payment of $100.00 per month. Totaling $400.00 per month. Help a struggling poor man out!

Business

Response:

Dear Mr. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. Thank you for allowing me the opportunity to discuss your concerns with you via telephone on March 17, 2015. As discussed, after reviewing your concerns, we confirmed that you have a simple interest contract, which means interest is calculated on a daily basis, based on your unpaid principal balance, at an annual percentage rate of 20.73% (copy enclosed). As discussed, the fixed regular monthly payment will remain $569.52 throughout the life of the loan. When we receive your regular monthly payment of $569.52, the funds are first credited to interest due, then to principal due, then to any fees owed, in accordance with your contract. Interest will accrue on your account until the unpaid principal balance is zero. As you continue making your monthly payments, the amount of the payment that goes toward interest each month will reduce, if all payments are made on or before the due date. During our conversation, you informed that your financial status had recently changed and the payment of $569.52 was no longer affordable. While we try to make every effort to assist our customers, we are not able to do so in all cases. If you would like a lower APR, you may want to consider any options you may have to refinance with another financial institution. Should you pursue this offer, you are still bound by the terms of the contract you have with us until your account is paid in full. This includes continuing to submit your regular monthly payment. You also informed that you may wish instead to return the vehicle. Since you indicated that you require a vehicle for work, we encourage you to research any options you may have with local dealerships to trade in the vehicle. As a reminder, if you decide to voluntarily surrender the vehicle, there may be potential credit bureau impacts. Additionally, as stated in your contract, if there is an outstanding balance after the vehicle is auctioned, you would remain responsible for the balance. If you have additional questions, please contact our Customer Service Department at [redacted]

[redacted]. If you have questions regarding this specific response, I can be reached at [redacted]

[redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID 10517444, 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,

Unfortunately there was no "offer' rendered. Capital One refuses to accomodate me by helping me out with my financial crisis by lowering the astronomical interest rate. If I could really afford A $570 monthly note I wouldve purchased a high end luxury vehicle. Having said that, I am leting go and allowing God to step in. There is a demise for such greed. Capital One will succumb just like many other unjust and greedy financial institutions throughout American and global history. Thanks to Revdex.com for your efforts. Im a itty bitty poor man who doesn't stand a chance against such monstrous predators and/ or opportunists.

According to Capital One, I was more than 30/days past due for my September 25, 2015 payment. Ironically, my September payment was posted on September 25th. Their due date. Payment confirmation number, [redacted]. They still reported me as being over 30 days late.
On November 4, 2015, I was told that a negative charge would be removed from my account and not have it reported to the credit bureaus. Yet when I received my annual credit report, the delinquent payment was assessed to my credit score. Instead of disputing the charges with each of the credit bureaus, I called Capital One. I filed a dispute, case# [redacted].
I just received notice Capital One has resolved the dispute. They are not removing the delinquent charge because the information is correct. They also informed the major credit reporting agencies, to place a disagreement code with a resolution of dispute in my credit file. Although Capital One hires these reps, apparently they can not be held accountable when their employees lie. He is still gainfully employed with the company.
AS SOON AS THEY MODIFY THE CONTRACT TERMS MY CARD WILL BE CANCELLED! WORST CREDIT CARD ON THE MARKET! STAY FAR AWAY!

I am here to narrate a horrifying experience with chat support and call center agents of Capital one. I have been using Capital One credit card as the only card from 2012. I was sent a card when I was in international travel. After return my address changed.
After talking to 7 different people from Capital one following is my understanding.
1) Chat support and call center representative are not ready to understand what customer wants
2) Chat support does not have a supervisor who is ready help a customer. After asking multiple time I kept getting transferred multiple time to chat executives only.
3) Chat and phone support agents cant see case numbers of each other.
4) No one really cares about a customer's time or effort to try and talk peacefully to get what they want.
5) BEST PART NO ONE REALLY CARES IF I STOP USING CAPITAL ONE CARD
In brief (it is not as brief but for a looooooong interaction of over 3 hours this is the shortest):
1) Chat support deactivates a card which I use daily, even though I confirmed I am using the card daily.
2) I ask for manager and I get transferred from one Account Specialist "Raymond" to another account specialist "Reagan"
3) Reagan is of no help and says he does not have an option to do overnight and said call support will be able to. He give case number "**SSN**". By the time this happens I was already with chat for 1.5 hours late at night
4) After that long and tiring chat support, I called the customer service number provided and was greeted with automated voice for a looooong time.
5) I ended up with a person from Manila who called herself Kara. I explained her and she went ahead and activated the new card generated by Raymond even before seeing if that card was shipped.
6) I asked for a supervisor or manager and got Debra. Again she was of no help and was sure it was another agent. I had to give all the card information including CVV which I was not happy doing. Finally she transferred me to Toni (EID: XWL976)
7) Toni spoke for more than 1 hours and finally ended up with nothing. She was going to send the card which Kara activated. Was not able to understand risk of shipping an activated card.
8) After a lot of convincing I was promised a card to be shipped overnight by Toni. She was not ready to share the tracking number. When asked for a case number she was not ready to share and started giving reasons.
9) Finally a case number was given **SSN**4680
10) I was lied by Toni that card was sent in overnight shipment and tracking number was not generated. I was supposed to contact customer support to get a tracking number next day. Which I think is another of the lie she was telling
11) I started a chat session on 3/11 again being a fool. I had to verify my details. Then I gave the case numbers and the agent was not able to find anything. He was so unhelpful, I asked for a supervisor again
12) I ended up with another account specialist "Joe" who was of no help either. He said the card was shipped in 2-3 days option by Toni. Which exposed the lie of Toni. Finally after 1 hour again trying to find a solution or talk to a manager Joe was successful in ending my chat session in few minutes not waiting for my response.
End of the day I am still without a credit card and no help from any of Capital One support representatives.
I am thinking to stop using Capital One and ensure other friends of mine also do the same.

Review: They are violating my privacy by demanding a copy of my personal bank account statement. Their fraud department placed a restriction on my account until I do. They claim it is to make sure I am paying my account with my own bank account. I sent them a voided check and they said that was unacceptable and demanded a bank statement. I told them to close my account. My account is currently paid except for [redacted] of my credit limit. I have always paid the balance and not just minimum payments. They told me they would not close account while restricted and won't remove restriction until I send bank statement from my personal checking account.Desired Settlement: They need to remove the restriction from my account that is in good standing. They need to inform the fraud department that requesting personal banking information is unacceptable. They have routing and account information for payments but they do not need to see who and what I pay or spend my money on. They need to create a system that is better and more friendly for working people. We are not available for personal business during banking hours.

Business

Response:

Dear [redacted]:

I'm reaching our to your about your complaint to the Revdex.com, about the recent restriction placed on your account by our fraud team. We take you concerns seriously, and I'd like to share more information about this.

I apologize for any frustration you may have experienced when dealing with our Fraud Department. I wanted to inform you that the restriction has been removed from your account. After further investigation, our records indicate that there were recently returned payments on the above referenced account. This is the reason why the temporary restriction was placed on the account, and also why the bank statements were requested to show the checking account was open and valid. Please keep in mind the removal of this restriction does not mean that the account will be re- restricted in the future if returned payments continue to be received.

If you have questions or concerns, please give me a call at *-[redacted], Monday through Friday from [redacted] to [redacted] ET. I'm glad to help any way I can.

Sincerely,

Capital One

Review: I used my Capitalone Credit Card as a payment to [redacted] for my family in [redacted] to receive. Unbeknown to me, I realize that "cash interest charges will incurred" since I am being charged also $10.00 for each "cash advance transaction." I am requesting or pleading that Capitalone reconsiders and cancels the "cash interest charges" that are incurring daily since I was not made aware of. I plead that this be reconsidered, thank you very sincerely.Desired Settlement: To please "Overturned" the "Cash Interest Charges" on my account, as it was unknown to me that I will incur cash interest charges. Thank you.

Business

Response:

Our customer is concerned about the interest charges being assessed on her cash advances. Our research shows that a total of six [redacted] payments were sent in September, October, and November of 2013. We advised we are unable to stop the interest being assessed on the account for the cash advances. We explained over the phone that she was given credits for interest charges on all purchases and the cash advances for the months of September, October, and November, and was credited $** in cash advance fees. Although she states she did not feel it would help her, we waived the remaining cash advance fees totaling $**. The customer has now been provided a total of $[redacted] in credits for cash advance fees and interest charges.

Review: I received a letter from Capital One in late February. I did not think much of it and did not open it as normally letters are only promotional interest rates, low fee checks, etc. Going through my records today I opened and read the letter to determine it was a change on the APR on my account. The change took my APR from 4.85% to 9.99% which is a outrageous increase of nearly 2 fold total and over 3 fold on the plus prime interest. I believe this practice is price gouging and unfair as I have been a loyal and responsible customer for several years.My complaint concerns: a Credit CardDesired Settlement: I believe the difference in credit charged between the 9.99% and the 4.85% should be refunded to be as well as my APR rate should be returned the promised prime +2% rate I signed up for under good faith when I got the card. The fact that Canada Prime has decreased over the years doesn't constitute a good rationale for the interest rates to have increased so drastically. The practice is simply unfair, while I understand Capital One likely doesn't want this interest rate to continue with new customers, I think fair practice should dictate honouring the agreement made with it's current customers with the prime plus 2% rate.

Business

Response:

Dear [redacted], We recently spoke with you by phone about a complaint that was escalated to our Executive Response Committee (ERC). We’re writing to confirm that we now consider the complaint closed. If you’re not satisfied with our response to your complaint, you can escalate it to the Capital One Ombudsman. The Capital One Ombudsman can be reached in the following ways: Email: [redacted] Mail: Capital One Ombudsman, P.O. Box 511, Scarborough Stn. D, Scarborough, ON M1R 0A4 Toll-free Fax: 1-416-549-2768 Please note that if 90 days have passed since your complaint was received by the ERC (as noted above), you can also escalate it directly to the Ombudsman for Banking Services and Investments (OBSI). The OBSI can be reached in the following ways: Toll-free Telephone: 1-888-451-4519 TTY Telephone: 1-855-TTY-OBSI (1-855-889-6274) Email: [email protected] Mail: Ombudsman for Banking Services and Investments, 401 Bay Street, Suite 1505, P.O. Box 5, Toronto, ON M5H 2Y4 Toll-free Fax: 1-888-422-2865 Thanks for contacting Capital One®. Sincerely, [redacted] Executive Response Committee Capital One Bank (Canada Branch)

Review: Hello,

I have a Capital One [redacted] under my account ending in #[redacted]. A few months ago I have signed up for this card hoping to use this for transactions relating to my online business. As I sell products such as furniture and other expensive items, this results in frequent large transactions to my credit card. With the majority of sales coming from online sales portals such as [redacted], I am frequently tied to [redacted] release of payment funds in order to receive reimbursement for orders. [redacted] for instance takes up to two weeks at times to release funds for submitted orders. However, the vendors of the products which I sell require immediate payment for their goods which is needed to get my items shipped to the customer as quickly as possible.

When I had first signed up for this card several months ago, I was shocked to hear that there would be a $2,000 limit on this card. As I require this card to obtain products from vendors, with the number of orders increasing the funds limit on this card is severely impacting my business and preventing growth of my company.Desired Settlement: I would like to ask for my credit limit to be raised on my card to at least $5,000. This would bring the card up to a limit that a normal credit card would have which I think would be fine for my purposes for the time being. If this is not possible I would like an explanation from Capital One why my credit limit at this time cannot be raised.

Business

Response:

Dear [redacted],

I’m reaching out to you regarding the complaint sent to the Revdex.com.

Before I can assist you in resolving your concerns, I need to confirm your information for security reasons. Please give me a call at [redacted] so that I may verify the following:

Your name

Your current address

The last 10 digits of your account number

The last four digits of your Social Security Number

Your date of birth

If you prefer, you may fax this information to [redacted], or, you can mail the information to the address below:

Capital One

Richmond, VA [redacted]

Once I receive this information from you, I will be able to move forward in researching your concern. If you have additional questions, please call me at [redacted], Monday through Friday from 11 a.m. to 8 p.m., ET.

Sincerely,

[redacted] on behalf of

Capital One

Review: Unauthorized credit inquiry On numerous dates this company pulled my credit without my authorization resulting in my credit score dropping. I have sent them a letter requesting them to furnish information as to why they have pulled the report and asked them to remove the inquiry but have received no response from anyoneDesired Settlement: Removal of all credit inquiries from any and all credit reporting agencies

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com about inquiries on your credit profile. We have good news to share.

The inquiries for December 16, 2011, December 24, 2011, January 18, 2012, July 7, 2012, December 31, 2012, March 31, 2013, June 11, 2013, and July 3, 2013, were found to be fraudulent and have been removed from your credit profile. Please allow 60-90 days for this update to appear in your credit profile.

If you have any questions or concerns, 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 any way I can.

Sincerely,

[redacted], on behalf of Capital One

cc: Revdex.com

I started my conversation with CRAPital One over 2 weeks ago. I am an if it's not broken don't fix it type of person so a business will generally not hear from me until there is a serious problem or a I cant find the answer online myself. I requested to speak with 2 supervisors and not one has called me back. I located the corporate number online myself which one of the customer advocacy members ([redacted]) stated they did not have! He also provided me the incorrect address to write in to corporate and told me he can have a supervisor call me back in 2-3 business day. The track record for call backs is 0-2 at this point! Once my autoloan is satisfied I will not do business with CRAPital one any further. They reviewed my history since 3/2011 never had a late fee, never called in and made a higher payment than my monthly charge. This company has no customer service and should really consider who they allow to speak with their customers. The only hope this company has is a Corporate supervisor named [redacted]. She needs to be promoted to Operations Manager. She explained things to me in a matter of 7 minutes!!! She listened, didnt cut me off like [redacted] and expressed Genuine concern. So hats off to her but if she knows her worth she should get out of this company!

Review: Around July of this year Capital One purchased my credit card company and took over the billing process. I did not find out until my wife, [redacted], opened a past due notice from Capital One. She handles all of our bills and hadn't received a new card from them and if notification was mailed, we didn't get it. She, therefore, didn't know we had Capital One when I received the bill so she called. They explained that they had purchased our credit card company ([redacted]) and this was the bill. She explained that we hadn't received notice of that or a previous bill (our other cc company was on auto pay) but if they would tell her the balance due, she will pay it off and close the account. The Customer Service person gave her the balance amount and my wife paid it from our bank debit account. She asked directly if this was all that we owed and she was told yes.

The following month we received a bill for about $8. She called and they said 'sorry, there was still a balance on your card. It was interested that posted after you paid it'. My wife explained that as far as she was concerned, she was given a payoff amount and she paid it and we are done. A manager was put on the line who agreed that the amount would be reversed and the account closed but that I, as account holder, would need to call to facilitate that. This phone call took about 40 min but she was assured that the details had been noted and I only had to call and confirm.

I called that night and after going round and round with them about 20 min they finally agreed to reverse amount and close account.

Last month, I received another bill for about $16. I called again and after a repeat of previous calls, they agreed to reverse the amount and close the account.

I just opened another bill for $21.80 which included a $15 late payment and credit adjustments adding up to $9.93.Desired Settlement: ALL charges need to be reversed and the account CLOSED for ever!

Business

Response:

Dear [redacted],

We are responding to your concerns received regarding the servicing of your Capital One Account.

I apologize for the frustration this matter has caused you. Please accept this letter as confirmation that your recent complaint has been resolved as of November 8, 2013. As a result, the amount of $[redacted] consisting of your current balance has been credited to your account. This credit should reflect on your next billing statement. We have also closed your account to avoid any future inconvenient.

You may reach me at [redacted]. I am available to assist you from the hours of 11:30 a.m. to 8 p.m. PT, Monday through Friday.

Sincerely,

Office of Executive Resolutions

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: On April 2, 2015 I wrote Capital One a letter in regards to a collection bill, that was on file in my name. I have not received a response from them at all. Today is July 16, 2015 and I still have not received a response. I am asking them for proof of the account, and if there is an account I would like to set up payment arrangement. But first I would like PROOF OF DOCUMENTATION that the account is mine. The account number is [redacted]Desired Settlement: I would like proof that this is account is mine, and if so I would like to make payment arrangements. If the account is not mine I would like it removed from all 3 of my credit reports asap!

Business

Response:

Dear [redacted], This letter is in follow-up to your Revdex.com request for validation of the account, payment arrangements, and to delete the account from your credit file with the Consumer Reporting Agencies (GRAs). I have information to share. A review of your account shows we received a letter from you dated April 2, 2015, requesting for assistance with making payments on the account due to a hardship. On April 10, 2015, a letter was sent to you advising you to contact [redacted] at [redacted] as they are the new owners of the account and can assist you with payment arrangements. Due to delinquency, your account charged off on November 3, 2008, with a balance of $1 ,040.56, and sold to [redacted] on June 22, 2009. Capital One is no longer reporting your account. The debt buyer [redacted] may still be reporting the account. Please contact [redacted] at [redacted] for any questions or concerns regarding the account. I have confirmed the account was opened on March 9, 2005. I have enclosed a copy of the application. The application has an address listed of [redacted], California [redacted]. This address has been linked to you through public records from February 2005 through October 2013. For your view, I have enclosed a copy of the application and copies of statements from September 2006 through October 2008. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN number available: [redacted]. I'm glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I called to find out my card had been declined while shopping tonight as I knew I had money on it, sudden there was a fraud alert on my card. I spoke with #1-person male who verified everything(last 4#'s of my SS#, phone#, address, name), than asked me to hold, his line disconnected, I called back spoke with a woman-#2 who seemed to be annoyed I called & was very rude asking the same things, now including asking me my Pin#, when I started my acct, & I stated I didn't remember when I started my acct as it was originally a household acct that capital one took over earlier this yr. I asked for a supervisor as I told her she was violating my privacy rights by asking for Pin#, she than falsely accusing me of fowel language when I didn't say anything except ask for a supervisor. #3 was an Indonesian woman who again asked for the usual last 4#'s of my SS#,phone, address, got put on hold again only to wait another 10min after alreay spending 20 min trying to resolve this issue, asked for a supervisor, got another Indonesian person asked for someone who spoke English-American. Spoke with a [redacted] who asked the same including me to fax my SS# & DL to them, this is not a secure why of verifying me, anyone could fax that & it doesn't prove that person faxing the doc. is me. I advised him I was filing a complaint as I had already verified who I was more than enough times & they still didn't take the fraud alert off.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Apology letter from everyone I had contact with including Capitol One CEO & he needs to fire the 2nd employee I spoke with as she has very bad attitude when speaking with customers,she also had me on speaker phone, with other laughing in the back ground when I asked to speak with a supervisor. Very unprofessional way of handling things as well as a privacy issue by asking for Pin# for verification purposes. I didn't know her or who she was & if

Business

Response:

The customer's card was declined while she was shopping. She called into Capital One to find out why and was advised that there is a fraud alert on the account. As several agents verified her, she either was disconnected or felt disrespected. When an agent requests her PIN number for verification, the customer felt that this was a privacy concern.

• We reached out to our Fraud department and the advised that we were informed that this type of information could be used to verify a customer.

• The restriction was removed, they offered apologies for a negative customer experience, and a credit was applied.

• We spoke to the customer on 12/5/2013, and advised of actions taken and that feedback will be provided.

Consumer

Response:

I advised the fraud dept that they need to have a better way of identifying someone without giving out their pin # in which someone in there dept now has access to a clients account. Anyone could fax my SS# & DL info to them if they stole it, this doe not verify that that person faxing the info is truly the client.

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: There's a billing problem. I never got my bill (I selected paper bill mail to me). So I contacted Capital One through 2 online chat sessions, and found out that THEY RECORDED MY ADDRESS INCORRECTLY([redacted]) ; my correct address is [redacted]. Furthermore, I took other precautions to pay my bill too; I set my [redacted] (NYCB) account to pay my bill, because I traveled abroad from end of April to 05/07 and 05/28 until now, but for some reason, I recently realized that it didn't work. Right after I realized this, through the online chat sessions, I told the representative that I will pay my original purchased amount fully, like I always did each month, but the bank is now charging me 20 percent interest , which is extremely UNFAIR to me. I TOOK POSSIBLE PRECAUTION TO PAY MY BILL! AND I'VE ALWAYS PAY MY BILL ONTIME AND FULLY EACH TIME! I NEVER OWE ANY MONEY TO ANY COMPANY IN MY LIFE!My complaint concerns: a Credit CardDesired Settlement: Capital One should waive the interest charges and pastdue fee on my bank account.

Bill due 06/15 : pastdue fee $25, interest charge $27.9; Total $52.9

Bill due 07/15 : pastdue fee $35, interest charge $30.72; Total $65.72

I will pay my original purchased amount $1754.54

Business

Response:

Dear [redacted], This letter is in follow up to your Revdex.com (Revdex.com) request for a credit of interest charges and past due fees billed to your account, and information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian. I appreciate you bringing this matter to our attention, and I apologize for any frustration this may have caused. Our records show that on July 10, 2015, a credit of $60.00 was placed on your account. This credit was for the past due fees that were billed to your account on May 15, 2015, and June 15, 2015. On July 23, 2015, a credit of $84.55 was applied to your account. This credit was for the interest charges that were billed to you during you May, June, and July billing cycles. You will see these credits on your July 2015 and August 2015 billing statements. In my research, I found that your account was reported as 30 days past due for June of 2015. Due to you not receiving your statements, a request has been sent to the CRAs to have this reporting removed. This was sent on July 23, 2015, and can be referenced with AUD control number [redacted]. If you have additional questions, please call me at 800-955-1455, Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m glad to help any way I can. Sincerely,

[redacted], on behalf of Capital One

Review: I cancelled my capital one secured [redacted] in early October with a zero balance on my card. The [redacted] I had with them required me to put money down (bare minimum of 300 dollars) so I put in 330, when I cancelled the card, the representative told me it would take 60-90 business days to receive my funds in the mail. I told her that was unreasonable, and unfair, in which she replied call us on Wednesday, and we will put a rush on your cheque. I didn't see the significance of Wednesday, but I played ball and waited a week. When Wednesday rolled around, a representative told me that they could put a rush on the cheque, and it would take between 7-10 business days.... (9th of October) I again played ball and played the waiting game once again. I called today (October 24th) and a representative told me the cheque was sent, and said it should be soon. I told her what I had done so far, and she said I called Monday October 21 and it hadn't been 7-10 business days and to expect the cheque around November 4-5th.... ?? I was under the impression it was already sent, now its another 7 business days? I don't seem to recall calling capital one on Monday October 21st, mostly because I was working that day.Desired Settlement: I dont expect anything other than my funds back as promised, and maybe an apology.

Business

Response:

Capital One Bank ([redacted])

© 2013 Capital One Services, Inc. Capital One is a registered trademark.

All trademarks used herein are owned by the respective entities. All rights reserved.

October 29, 2013

RE: Account Ending In [redacted]

Dear [redacted],

Your recent correspondence through the Revdex.com has been forwarded to my attention for review.

As part of The Executive Response Committee, part of my role is to investigate, and respond to, complaints of

this nature on behalf of Capital One Bank (Canada Branch). I appreciate the opportunity of addressing your

concern.

You state you had closed your account and were informed that you would receive your security deposit back in

approximately sixty to ninety days which was an unreasonable timeframe.

Once a security account is closed, it may take up to sixty days to be returned depending on the date your

account cycles. An account must cycle through a full billing cycle with a zero balance for it to be officially

closed.

After a review of the account, your refund cheque in the amount of [redacted] has been

mailed as of October 21, 2013. Please allow for up to seven to ten business for mail. Capital One apologizes

for any inconvenience this may have caused you, and we hope this has resolved your complaint to your level of

satisfaction.

If you remain unsatisfied with the resolution of this matter, you may contact The Office of the Capital One

Ombudsman for Capital One Bank (Canada Branch). It is important to note that the Ombudsman does not review

matters of general policy.

Regards,

Capital One® Bank (Canada Branch)

Review: yes I had a capital one payment due on 6/16/15 and I usually pay it on the mobile app but due too financial problems and getting layed off my phone was off so I called capital one on 6/16/15 to make a payment and the time was after 10:30pm I spoke to a rep and asked her if I make a payment with a rep would there be a fee and she said no so we continued with the payment process and she told me my payment would be late I told her how is that when I thought if I was to make the payment on 6/17/15 it would be late she said that is when the payment will post and I asked her so that means I will be disqualified for the credit increase on my card she said yes so I asked to speak to a supervisor and she said ok I spoke to the supervisor which her id is ([redacted])I explained what was going on with my payment and she was telling me the same thing she did not care if I was a first time customer with capital one or if I was layed off or anything which that is not her problem but its just the good customer service that in my opinion makes customers want to be apart of a good company so I advised her of I was unaware of the cut off time since I was always making my payments on the mobile app she was not really concern I could tell and as a first time customer of capital one it really makes me feel that they just want my money after this situation happenDesired Settlement: I would like to see this matter resolved my having my credit increased since I was in the special program and I was unaware that there was a cut off time to make a payment since I would mail or use the mobile app and that Im a first time customer of capital one and would like to kind of stay with them

Business

Response:

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding receiving a credit limit increase from the Credit Steps program on your account. We would like to share some information with you. I am sorry you are dissatisfied with the level of service you received. Capital One’s goal is to provide all of its customers with the highest level of customer service. We understand that this must be a difficult time for you. We have reviewed your request to reinstate the Credit Steps program on your account. Our records show that the account was accurately removed from the Credit Steps program due to two missed payments. This program only allows one late payment to occur before removing our customer from the program. Our research confirmed the account was late on April 16, 2015, and June 16, 2015. You are informed of the cutoff timeframes for online payments, and over the phone payments, on every statement we send to you. Online or mobile payments also show the date in which it will post for, due to cutoff times, prior to you submitting your payments. We appreciate that you would like to use this card more often, and so a credit limit increase is important to you. You may attempt a credit limit increase, at any time, over the phone at 800-955-7070 through our automated phone service, or you may also attempt a credit limit increase while logged onto your account at Capitalone.com. You may request a credit limit increase as often as your like. Please know that credit limit increase requests are soft hit inquiries to the Consumer Reporting Agencies with no impact to your credit score. If you have any questions or concerns, please give me a call at [redacted] Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: I made a credit card payment to Capital One in the amount of $180 on 02/09/15.

On 02/10/15 Capital One claimed that it returned the $180 payment due to insufficient bank funds (I had between $2000-$4000 in my checking acct. at the time and no other large payments pending).

On 02/10/15 The Capital One payment was charged to my bank account (Salem Cooperative Bank).

On 02/13/15 I noticed the error and called Capital One. I spoke with a representative and he assured me that it would take up to 10 business days for me to see the returned funds. I made a second payment of $180 during that phone call thinking I would receive my original payment back within 10 days.

I never received the money back. I opened up an investigation case with Capital One regarding the missing payment. Case #[redacted]. I uploaded bank statements,

payment proof (on the Bank's end) and the representative spoke with and confirmed payment from a [redacted] employee (part of Capital One's policy).

I received a note back regarding the results of the investigation. Capital One claims that the payment was returned due to "Insufficient Funds" and that the payment was returned to me. I opened up a new case (Case #[redacted]) and went through the necessary steps again.

I received the same notice from Capital One, explaining that the bank returned my payment due to "Insufficient Funds."

In short, I made two payments of $180 to Capital One within a three day period. The first payment was declined on Capital One's end, but I was charged anyways. The payment was never applied.

I have documentation that provides proof of payment to Capital One (complete with trace numbers).Complaint concerns: a Credit CardDesired Settlement: Please apply the $180 payment as a credit on my credit card account.

Business

Response:

Dear [redacted]I’m reaching out to you about the concern you sent to the Revdex.com regardingyour credit card account and a return payment not being credited to your checking account. Itwas a pleasure speaking with you.On February 9, 2015, your payment of $180.00 was returned by your bank, [redacted]. Thereturn trace number for this return was [redacted]. We have contacted your bank andthey have informed us that this payment should not have been returned. They confirmed thatunfortunately this was a mistake on their end.[redacted] has informed us that they confirmed with you over the phone that on April24, 2015, the return payment was credited back to your checking account for $180.00. You andI spoke on Monday, April 27, 2015, and you confirmed you spoke with your bank and wereaware of the return payment credit onto your checking account.If you have additional questions, please feel free to call me at [redacted], Monday throughFriday from 10:30 a.m. to 7 p.m. PT. I am 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 sent in a payment of [redacted] on JUNE 18, 2013. ON AUGUST 19, 2013 THEY REVERSED MY PAYMENT. I CALLED THEM ON AUGUST 20,2013 TO FIND OUT WHAT WAS GOING ON. THE CUSTOMER SERVICE REP. THAT I TALKED TO TOLD ME THAT IT WAS MY BANK AND THAT THE BANK DID NOT LET MY PAYMENT GO THRU. I CALLED MY BANK AND ASKED ABOUT THE PAYMENT, THE TELLER TOLD ME THAT THERE WAS NOTHING SHOWING ON MY ACCOUNT WHERE A PAYMENT HAD BEEN REFUSED. I CALLED [redacted] BACK AND TOLD THEM THAT MY BANK SEEN NOTHING WRONG. THE [redacted] REP ASKED ME TO FAX A COPY OF MY BANK STATEMENT TO THEM SHOWING WHERE THE CHECK HAD CLEARED. SO I DID. THAT WAS ON A WEDNESDAY, THE NEXT FRIDAY THEY ASKED ME TO SEND ANOTHER COPY OF MY BANK STATEMENT THAT SHOWED TWO WEEKS AFTER THE CHECK HAD CLEARED MY BANK JUST TO MAKE SURE, SO I DID. I HAVE BEEN CALLING THE [redacted] FOR FOUR WEEKS TRYING TO GET SOMETHING DONE ABOUT THIS ISSUE. EVERY TIME I CALL THEY TELL ME IT WILL BE 1-3 DAYS, 5-7 DAYS 48-72 HOURS. NOBODY HAS GIVEN ME ANSWERS. I HAVE TRIED TO BE NICE AND ALSO BEING UGLY AND STILL NO RESOLUTION.Desired Settlement: DesiredSettlementID: Refund

I WOULD LIKE THEM TO FIND MY PAYMENT AND PUT IT BACK ON MY CARD AND TO TAKE THE INTREST THEY CHARGED ME OFF OF MY CARD.

Business

Response:

Resolution - Closed case via letter and phone. Account was credited for the payment of $[redacted], and the account was credited for the fees assessed as a result of this matter. customer is satisfied with resolution.