Capital One Financial Corporation

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: 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: 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: I communicated with the company to pay off a outstanding balance for a credit card account. After speaking with the billing/collection associate via phone, I paid off the outstanding debt in full. I inquired if this account would continue to be reported to the credit bureaus and the customer service representative notified me that the account would be flagged as paid and removed from my credit report. Fast forward to April 2014, I reviewed my annual credit report and noticed that this account is still listed on my credit report. I contacted the collection department to inquire about why the account has not been deleted and they have not responded yet!!!I feel I have been mislead to believe that the successful payment of the debt account would also result in the deletion of the account from my credit report. I do not beleive that I should be punished for the misinformation supplied to me by the customer service representative. Everyone BEWARE!!!! stay away from this company since they are unable to hold up to their end of the deal when speaking with consumers. Never AGAIN!

Product_Or_Service: Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Capital One should delete this account from my credit report as promised by the customer service representive. I do not believe that I should be at fault if the information that the representative communicated to me is inaccurate. The company has already received full payment for the account and should meet the other end of the deal as promised.

Business

Response:

Dear [redacted],

l'm reaching out to you about your complaint to Revdex.com about information we've reported to the Consumer Reporting Agencies, like [redacted] and [redacted].

I understand you would like us to modify the information we reported about your account. Our records show that your account was charged off due to delinquency on May 28,2013, and paid in full as of March 10, 2014. This account is reporting to the Consumer Reporting Agencies as charged off and paid in full, and I have confirmed that we're reporting accurate information. l'm sorry if this isn't the outcome you were hoping for.

Additionally, our records do not show any notes that indicate your account would be deleted from your credit profile upon payment. If you have any documentation showing otherwise, you can send it to my attention via fax at [redacted] or mail it to the address shown above.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. PT. I'm glad to help any way I can.

Sincerely,

[redacted], On behalf of Capital One

Consumer

Response:

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

I do not accept this offer the the company suggested. When communicating with the company, the representative stated the account would be deleted from my credit reports upon payment. This conversation happened via telephone, therefore, I feel the company should investigate the voice recording further to substantiate my claim. If I had any doubt the the Capital One representative would give me false information I would have recorded the conversation myself. I believe capital one should make good in their promise to delete the account from my credit report. I have paid this account in full with no problem yet the company chooses to ignore statements/promises that they made to me as a customer. I will be sure to take my business elsewhere to a company that chooses to practice ethical standards.

Regards,

Review: I presented a check in the amount of $2610.32 on 7/3/13 for services from the capitalone convenience checks, didn't receive the services have contacted capitalone to reverse the charges, one representative told me they would honor the request and didn't, I called back a few months later and another proceeded to write his interpretation of the matter and assured me that he would reverse approximately $895 of the charges, today I called another representative told me there is nothing to be done and if I want I can just not use capitalone again. Three different representatives three different response and still no resolution. The company that received the check is no longer contactable so capitalone is the only recourse and I believe if the first representative told me she would reverse the charges then capital one should honor that requestDesired Settlement: I would like capitalone to reverse the charges of $2610.32 has initially promised

Business

Response:

Dear [redacted],

This letter is a follow-up to our July 17, 2014, telephone conversation and a response to the complaint we received from the Revdex.com (Revdex.com) about a dispute you have concerning an access check you used on your [redacted] account.

In your letter to the Revdex.com, you say that you called Capital One because you did not receive the services paid for by an access check, written to [redacted], in the amount of $2,610.32, on July 3, 2013. Your letter stated that you had spoke with three different agents about this issue. After a search of our records, we were unable to locate any phone calls where you called to inform us of a dispute concerning this access check. We were also unable to locate any phone calls where we promised to issue a full credit or partial credit.

Our records indicate that the first time that we were notified by you about this dispute was on May 7, 2014. At that time, we advised you that a copy of the merchant contract was needed in order to review the contract and confirm that we had dispute rights. You advised the agent during the call that you would fax the contract to us and the agent provided a fax number to you. Unfortunately, we never received these documents from you.

When you signed the access check in the amount of $2,610.32 and gave it to the merchant, you were authorizing the merchant to be paid for the amount. After reviewing your request, we're unable to credit your account for this dispute. We have a limited amount of time to reverse a merchant's charge. Unfortunately, that timeframe has expired. In the future, to preserve your dispute rights, please notify our office, in writing, within 60 days of receiving the statement that reflects the disputed charge. For your convenience, I have enclosed a copy of your billing statement, which outlines this process.

If you have additional questions or concerns regarding this matter, please contact me at [redacted]. I am available to assist you from the hours of 8:30 am to 5 pm PT Monday through Friday.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.

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.

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: Capital One keeps sending pre-approved credit applications to me even though I have intentionally opted out of receiving pre-approved credit.Desired Settlement: Permanently stop sending me credit applications.

Business

Response:

Dear [redacted], This letter is in response to the concerns you sent to the Revdex.com (Revdex.com) about credit card solicitations you received in the mail. Please allow me the opportunity to address your concerns. As you requested, I have removed the name and address, as it appears on your complaint and above, from our mailing list. If you were selected for any offers before we received your request, you may still get mail solicitations for the next several weeks. If you are receiving mail from us with any variations in the spelling of your name or address, a separate request may need to be submitted. You may contact me at the number below to help you with this. We received your opt-out request on July 2, 2015. The request expires in 2018. Opt-out requests expire after three years. If you wish to opt out of requests in the future, feel free to contact our office to for assistance. We apologize for any frustration this matter may have caused. If you have any other concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six-digit phone PIN available: [redacted]. Sincerely, [redacted], on behalf of Capital One

Review: I've been trying to get an increase on my card to $3000 because I will be doing some traveling soon and I do not wish to carry cash everywhere. I pay my bill on time every month. Sometimes 2-3 times a month. If I can't get an increase just to help with traveling, I will have to go to another company.My complaint concerns: a Credit CardDesired Settlement: I just would like my credit like increase to 3000 or even 2500 so I can travel comfortably please.

Business

Response:

Dear [redacted]I am following up with you in regards to our September 1, 2015, conversation about your request for a credit limit increase. Your feedback is important to us, and I have good news to share!Effective immediately, your account now has a $3,000.00 credit limit. I know this will come in handy with your upcoming travel.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

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)

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: 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: 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: Capital One intentionally and willfully created TWO counts FRAUD on application process, thus causing

CUSTOMER severe and IRREVERSIBLE damage to CREDIT REPORT.

UNAUTHORIZED CREDIT CHECKS; 2 CountsDesired Settlement: WAVE TWO years of ANNUAL FEE for each COUNT

Business

Response:

We received a duplicate case from the [redacted] for this customer. We will respond through that channel.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted].

I find that this resolution would be satisfactory to me under the following:

CONDITIONS

1. All damages done to my Credit Rating to be restored back to the May 2014 figure.

2. Two years of Annual Fee's be implemented.

NOTE

Thank you for reversing the Annual Fee on this years account. This has shown 'Good Faith' in understanding of the damages created to my Credit Score, and a willingness to work with this very unhappy customer.

I will wait for Capital One Financial to perform this action to my satisfaction and, if it does, will consider this complaint resolved. If Capital One Financial does not perform in the above said conditions, I will get back to you at: [redacted]

Regards,

Review: My [redacted] was repossed around November 5, 2014. I do understand that it was my fault that I defaulted, but Capitol One sent me numerous letters stating that I had a couple of options if I wanted my car back. The first was pay in full the rest of my loan (over $10,000) or attend a public auction held for the [redacted]. I thought that I would be able to pay the company a portion of that, but they claimed their policy is to pay in full once the car is a repo (not in any of my paperwork). I knew that I didn't have the $10,000 so I was depending on the public auction to be able to get my car back. I was in constant contact with the repo company and Capitol One. Capitol One Auto Financing Company knew that the company, [redacted], did not hold public auctions only private and this was told to me from United Auto Recovery. They also told me that they list the cars in the paper for a few weeks and that was not done. Capitol One sold my car for $5300 dollars, and the [redacted] value of my car is $5500. This is too much of a coincidence.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I had wanted my fiance and I to attend the auction to see if it was possible to buy the car back, and to be a witness of the proper sell of the [redacted]. I would like to be compensated for the violation of my state rights to request a public auction. I have copies of letters, faxes, and telephone correspondence with both Capitol One and [redacted] since this has taken place, I could only upload one paper at a time please let me kn

Business

Response:

Dear Ms. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We apologize for any delays you may have encountered attempting to get clarification on this issue. In reviewing your concerns, our records indicate that on November 21, 2014, the vehicle was repossessed at your request. We also confirmed that the vehicle then was sold at a public auction on December 16, 2014. Our records indicate that you contacted us to ask for information regarding the auction, and we provided you with the name and telephone number for the company that was auctioning the vehicle on our behalf. However, we understand that you may not have been provided sufficient time to make arrangements to attend the public auction. Additionally, we are aware that there may have been confusion or miscommunication regarding our requirements for the public auction process. Because the vehicle was sold on December 16, 2014, we are unfortunately unable to fulfill your request to allow you to attend the auction. However, in the interest of resolving your concerns and assisting you with concluding this matter, we would like to extend an offer to waive the balance remaining on the account. This offer would erase a deficiency of approximately $5,783.03 for which you presently remain legally responsible. If you accept this offer, the remaining balance will be treated as a forgiven debt, which means we will report it as required by IRS regulations and send you a [redacted] form indicating the amount of the debt forgiven. Since there are consequences associated with forgiven debts, you should discuss this with your tax advisor. Additionally, this will result in the loan reporting as settled in full for less than the full amount on your credit bureau report. You may accept this offer by contacting me directly at the telephone number listed below. We request that you respond to this offer by March 1, 2015. If you have additional questions, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Consumer

Response:

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

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

Regards,

Review: I paid my account off in May 2014 and did not close my account because I was told I did not have a yearly fee on my account so I just kept it open in case of an emergency. I also had paperless billing. Today when I checked my e-mail I saw a message about my bill. I looked my account up and saw I was being billed a fee of $59.00 on Jan.12.(Which I was told I had no yearly fee). On the February statement I was charged $26.22 for fees and interest, making it $85.22 that I now owe. Then today will no statement available I owe $120.22. That's a late fee of $35.00. I immediately closed the account. Now I'm afraid they will report this to the Credit Bureau and ruin my credit and my credit score.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want to be sure my credit is not affected because of this. All I want reported is the account is closed at customer request.

Consumer

Response:

The problem has been solved thank you.

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: informed the creditor in October and November 2012. I requested the documentation by mail to apply to use the disability insurance coverage but the creditor never sent me any documents. They immediately closed my two accounts against the credit agreement rights. Then the creditor sent my name to various credit collections agencies. They have harrassed me and continue to do so via telephone and mail. Since the [redacted] has changed company name to [redacted] and I believe now they are owned by Capitol One Bank. My account number is [redacted].Desired Settlement: I would like the credit to reopen my accounts in good standing and give me the option of ustilizing my credit disability insurance coverages. Also reflect a positive credit rating on my credit report.

Business

Response:

Dear Ms. [redacted]:

We were recently notified by the Revdex.com of your complaint about the request for benefit activation on your account. We value your feedback, and we're glad to share more information about this.

Due to delinquency the account ending in [redacted] charged-off on march 30,2013, with a balance on [redacted], and it was sold to [redacted] on April 10, 2013. The account ending in [redacted] charged-off on March 10,2006, with a balance of $[redacted], and it was sold to [redacted] on May 25,2007.

Our records do not indicate any prior requests for benefit activation on any of the accounts referenced above. At this time we would need to know the exact date that you were declared disabled in order to review the accounts for benefits.

Please call me directly at the telephone number provided below, so that I may obtain the specific information to assist you, You may also mail the requested information to my attention using the enclosed postage-paid envelope, or you may fax the information directly to me [redacted]. Upon receipt of this information, I will forward the completed documentation to the [redacted] for further review.

Our records confirmed that your account ending in [redacted] was enrolled in [redacted] on February 26, 2011; due to the delinquency the program was cancelled on December 11,2012. The Account ending in [redacted] was enrolled in [redacted] on May 16, 2003; due to delinquency the program was cancelled on April 16, 2006.

If you have additional questions or concerns, please give me a call at [redacted]. and Extension [redacted] Monday through Friday from 7:00a.m. to 3:30 p.m. PT. I'm glad to help anyway I can.

Sincerely,

Office of Executive Resolutions

Capital One

Review: Capital One is using dirty business practices against my credit score. I have a great payment history with the company & they will not remove a check off my credit from 2009.Desired Settlement: Mark removed off payment history.

Business

Response:

We have responded to the cardmember by mail on August 23, 2013 and informed him that this matter is resolved. Unfortunately, we were unable to honor his request.

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.