Capital One Financial Corporation

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 overpaid, they sent me a check for the credit due on my account. When I cashed the check it bounced. They re-issued, I cashed a second time and it bounced again.

They've taken my money and I want it back, I was willing to eat the NSF charges, but now that they've send me a second fraudulent check I want to reimbursed for the NSF charge.Complaint concerns: a Credit CardDesired Settlement: $114 - They've taken my money and I want it back, I was willing to eat the NSF charges, but now that they've send me a second fraudulent check I want to reimbursed for the NSF charge.

Business

Response:

[redacted]This letter is in follow-up to our phone conversation about your concerns to the Better BusinessBureau (Revdex.com) regarding a credit balance refund check. I’m sorry for the frustration that you mayhave experienced, and I’d like to share my findings with you.On May 1, 2015, we issued a replacement check for $25.00. Please allow 10 business days toreceive the refund by mail. I have also issued a courtesy credit for $24.00 to cover the nonsufficientfees charged by your bank, even though I found no error in the servicing of youraccount.My research confirmed that we mailed a credit balance refund check number [redacted], for$25.00, on May 12, 2014.The check was mailed to the address we had in our system of recordat that time, which was [redacted]On September 9, 2014, per your request, we put a stop payment on that check, and reissuedthe refund, and mailed it to the same address shown in your complaint.In your complaint, you included a copy of the returned check number [redacted], for $25.00dated May 12, 2014. It shows that you deposited the check into your bank account on March 11,2015, and since the check was expired, it caused the check to be returned.On March 12, 2015, we mailed a credit balance refund check number [redacted], for $60.38.On April 4, 2015, per your request we put a stop payment on that check, and reissued therefund check. In your complaint, you also included a copy of the returned check number[redacted], for $60.38, dated March 12, 2015. It shows that you deposited the check into yourbank account on April 14, 2015. Since you requested a stop payment on this check, it causedthe check to be returned.I confirmed that on April 25, 2015, the reissued check for $60.38, dated April 6, 2015, wascashed. I have enclosed a copy of the cashed check for your review.If you have additional questions or concerns, please give me a call at [redacted], Mondaythrough Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.Sincerely,

Consumer

Response:

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

I haven't been given my money. Capital One took my cash and has yet to pay me back.

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: Capital One has refused to protect my credit card against fraud. An online company, [redacted], continued to charge my credit card without my authorization, more than $2000, even after I explicitly sent them a written email to demand that they cease. I then called them three times to cancel my account, to no avail, and I tried to cancel my account online, but they blocked my access. This continued from August through October 2015. When I complained to Capital One, I asked them to block charges from this online company, but they refused. As an alternative, they offered by refund each charge. But the charges continued. So I cancelled my credit card number, as the final way to stop the continuing charges. Then the online company refuted my claim to Capital One with totally false statements (others have called them a fraudulent company in online forums). I rebutted all their claims with 19 pages of written documentation, including the email of August 3 to the online company in which I said I would cancel my online account if they continued to charge it without my authorization (and I included their reply). But now Capital One has refused to refund my charges and tells me to "contact the merchant and work directly with them." Capital One will not protect its customers from fraud.Desired Settlement: Capital One should credit my account for the fraudulent charges, and refuse to pay the merchant.

Business

Response:

This is a duplicate to a CFPB complaint we received earlier today, we will be responding through the CFPB regulatory channel.

Consumer

Response:

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

Capital One has not yet provided a solution in their message. So I am waiting.

Regards,

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: 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: I have spoken to several customer services reps about my several attempts to do credit card combination. Initially I was not qualified because I did not meet the criteria listed. I fought really hard to meet the criteria and still to no avail, am not eligible. The Reason state:

Account Combination

No Cards Eligible

Sorry! None of your cards are currently eligible for an account combination.

There are several reasons why a card may not be eligible, here are the main ones:

•Card accounts must be in good standing

•Card accounts must be open for at least 6 months

•One card account must have a $0 balance and no pending transactions

•Card accounts must be linked in your online banking profile

According to the reasons listed above I more than qualify; however, it also sate "several reasons why a card may not be eligible, here are the main one". After speaking to the reps from capital one, there still is no resolution, my accounts still do not qualify even though I meet all the requirements listed above, and till this day I cannot nor can Capital One's representatives (over the phone or on chat) tell me, let alone find the remaining reason/requirements.

I feel all the requirements should be listed as this is false leading.My complaint concerns: a Credit CardDesired Settlement: I would like for my cards to be combined according to the listed reasons/requirements that came up on the website after applying several times, and Capital One correct the website so all the requirements are listed, not just the "main ones."

Business

Response:

Dear [redacted]I’m reaching out to you about a concern filed with Revdex.com (Revdex.com) regarding yourrequest to combine your accounts.I attempted to reach you at the phone numbers in your Revdex.com correspondence. I was not able toreach you.We apologize for any frustration this matter may have caused. Please be assured that weadhere to all applicable laws and regulations concerning the management of our accounts.Account combination is an online servicing tool that allows eligible US Card customers torequest to combine cards. Not all accounts are currently eligible to combine, even if they appearto meet the eligibility criteria. As disclosed online, there are several reasons why a card may ormay not be eligible. We do provide online the main four reasons an account may not be eligible,but this is not a complete list of eligibility reasons. Although we are unable to provide thespecific reason, you can request an account combination online as often as you would like withno impact to your credit or accounts. Account combination is new functionality, and we areassessing opportunities to increase eligibility in the future.If you have any additional questions, please give me a call at [redacted], Monday throughThursday from 8 a.m. to 6:20 p.m. ET. When contacting me, please be sure to have thefollowing six digit phone PIN available: [redacted]. I am happy to help in any way that I can.Sincerely,[redacted]

Consumer

Response:

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

Review: I applied for a card on oct. 2, 2015. I was told that the money would come out of my account and I would receive a card in 7-10 days. The money was deducted on oct. 5. I called on the 15th, they told me to keep waiting a card was coming. They said it would be there by the 21st. I called on the 22nd as I had no card. They said they would send another card that would be there in 4-6 days. They said it would be here by the 27th. Today is the 28th and no card. They said to wait another 4-6 days.

I do not believe that they ever sent me a card. I think they took my money and are scamming me.

I asked to have my money returned into my bank account.

They said they only thing they could do was mail me a check in two weeks. I have waited over 3 weeks for a card that I believe they never sent, how can I trust them to send a check?

I think this is a scam.Desired Settlement: I either want to the money sent back into my bank account, or I want a card send via FEDEX overnight.

Business

Response:

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding receiving your credit card in the mail. We attempted to contact you; however, we were unsuccessful in reaching you. We would like to share some information with you. We apologize for any frustration this matter has caused. We have reviewed our records and found that when you originally applied for your account on October 2, 2015, your application was done online. Your account was generated on October 11, 2015. On October 13, 2015, your first card was mailed to the address found on your application, [redacted]. We understand that you did not receive the first card. On October 22, 2015, you contacted our Customer Service Department to have a new card sent. You changed the primary address on your account to [redacted]. On October 26, 2015, your second card was created and then sent out to the new P.O. Box address. We are unable to send your card via Fed Ex to a P.O. Box. If you still have not received your card by the time you receive this letter please contact us directly at the phone number below. I understand you would like your security deposit returned. The security deposit remains in a non-interest bearing account until the Secured Mastercard is closed. If your account is closed the deposit will be applied as a credit to the account balance, not as a payment. If the deposit does not cover the full balance, you will still be responsible for the outstanding amount owed. We would like nothing more than for you to remain as our customer; however, if you would like to close your account in order to receive a refund for your security deposit please contact me at the number below. I can be reached at 800-955-1455 Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted] on behalf of Capital One

Review: I [redacted] got into serious financial problems and several years ago I was not able to make any payments on account #[redacted]... I explained that to all credit card companies and I attempted to make small payments but was denied that request. I made payment arrangements with the collection company that bought out this debt, but yet Capital one continues to get into Credit Report dispute battles with me over a debt, that was already paid to them after they ruled it a charge off and sold it off to Portfolio Recovery. I am very sorry for all the trouble I caused over this account, It was never in my plans to go unemployed during that 2010 year and no one was willing to work with me. Thank You in advance for taking care of this matter and again I am very sorry. If I owe anything else, please send me any and all information please, thank You for being understanding.Desired Settlement: I am requesting that this account #[redacted] to be removed/deleted from my credit reports. Thank You in advance if the necessary changes were made...

Business

Response:

[redacted]

Re: Account ending in[redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com, in regards to removing this account from the Consumer Reporting Agencies, like [redacted], etc.

We are unable to honor you request, as Capital One is no longer the legal owner of the account. We have no records of the account being paid in full with Capital One prior to sale. Due to delinquency, the account charged-off with a balance of $877.98 on August 18, 2010, and it was sold to Portfolio Recoveries Associates. This agency is now the legal owner of the account. Should you have any questions or concerns, please contact Portfolio Recoveries Associate at [redacted].

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

Sincerely,

[redacted] on behalf of Capital One

cc: Revdex.com

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: They keep offeringmeacreditcard andwhencomesthey say they needa copy ofmy social s. and drivers lic. which I sent 4 times andthey still wont give me the card. I think they justwanted my info for some kind of scamDesired Settlement: if its not a scam I want my card

Business

Response:

Our customer was concerned about the number of times she had to fax in verification documents to us and she still does not have her card. Our research shows that we received the verification documents each time our customer sent them to us, but they are not legible due to being too dark. We advised the customer that we were able to use other means of verification in order to clear our concerns, updated her personal information, and expedited delivery of a new card to her.

Review: I opened a credit card with [redacted] that I had to deposit $500 to use, it

was transferred to Capital One quite awhile ago and I just found out that

the $500 was not transferred and I now have to pay the 500 + open amount if I were to close the cardComplaint concerns: a Credit CardDesired Settlement: apply 500 as credit

but they say they don't have records so I just want to let you know incase they do it to other customers

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address your concerns. We have reviewed our records, as well as the records with [redacted], and found that this account has never been a secured card. There was not a security deposit made to us or to [redacted] when this account opened. As a result, there is no security deposit refund owed back to you. We have also reviewed our records, as well as the records with [redacted], and found no other account under your name in our files that was a secured card. If you have documentation showing otherwise please fax to my attention to [redacted]. We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at 800-955-1455. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely, [redacted], on behalf of Capital One

Review: I was a Capital One banker and Credit Card holder for many years. I had to recently open up a new credit card with a rival company to pay our daycare on a routine and standardized basis (they only take [redacted]) so I paid off my Capital One and called to have it canceled since they charge an annual fee and I didn't want to leave the account open AND pay the fee.

Once it was canceled, I asked the gentleman If I would have my rewards check mailed to me ($6.00 and change) and he said it was forfeited because I canceled. That is absolutely ridiculous! I earned those rewards and was a Cap One customer for 8+ years and extremely faithful. They should send me a check for what I was owed. If not, I will never think of using them again over greed. I agree it's only six dollars but it's the fact and principal. They are stealing from me.My complaint concerns: a Credit CardDesired Settlement: I would like my rewards

Business

Response:

Dear [redacted] I’m reaching out to you regarding your concerns directed to the Revdex.com (Revdex.com), about account rewards. I would like to share more information with you about this. I’m sorry for any frustration this may have has caused you, and I thank you for the feedback you provided. A refund check of $6.29 has been sent to the address listed above for your rewards points. You will receive the refund check within 15 business days of the date listed on this letter. I confirmed that your account was handled correctly. As long as your account is open you will not lose your rewards. However, if your account is closed, you will lose any rewards you haven’t redeemed. This information was provided to you on the application disclosure. For your review, I have enclosed a copy of the disclosure. If you have additional questions or concerns, please call me at 800-955-1455. I am available to assist you from the hours of 8 a.m. to 4:30 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Review: I have a major issue with capital one auto finance. There have been many hard inquiries on my Experian Equifax and Tranunion credit reports all of which are unauthorized. I have sent certified letters asking Capital One to contact the Credit reporting agencies and request the removal of all these inquiries. I am contacting the Revdex.com for help with this. here is a list of the inquires: Experian 1/23/13 11/15/12 11/14/12 Equifax 1/23/13 4/12/13 11/26/12 11/15/12 11/14/12 5/10/12 2/22/12 TransUnion 1/23/13 11/26/12 11/15/12 11/15/12 11/14/12 5/10/12Desired Settlement: I want Capital One to contact Experian Equifax Transunion and request that all of the inquiries be deleted. I would also like a written response from capital one. my address aaron osenkarski 1718 pine st michigan city, in 46360

Review: Number of phone calls at very early morning time frames between 7 and 9 AM or very late between 6 and 9 PM. Credit card payment is late, however, I have until April 13th to make the account current after that time the company may report to the credit agencies as late. Numerous phone calls isn't the way I wish to be informed that the payment is late. I'm a smart guy I know it's late. Bad economic time has hit me recently a payment will be made on April the 3rd no money before then please stop the phone calls. These "Collection " attempts can be made through letter from in the U.S. Mail.My complaint concerns: a Credit CardDesired Settlement: End of phone calls.

Business

Response:

[redacted]I’m reaching out to you about your recent concerns submitted to the Revdex.com(Revdex.com) regarding calls from our company. Thank you for allowing me to address your concerns.I’m sorry to hear of the difficult times that you are experiencing at this time. Our calls are notintended to inconvenience or frustrate you in any kind of way. Per your request, we have placedyour account into a do not call status, which means that you will not receive any collection callsfrom us.In accordance with applicable laws and regulations, we're allowed to call our customersbetween the hours of 8 a.m. and 9 p.m. in the customer's time zone. Our records show thatbetween March 19, 2016, and March 22, 2016, we made calls in an attempt to discuss youraccount. However, we did not call any earlier than 8 a.m. ET or any later than 9 p.m.ET.As a courtesy, we have issued a credit for the $25.00 past due fee assessed on March 14,2016. You will see this credit on your April 2016 billing statement.If you have any additional questions, please give me a call at [redacted], Monday throughFriday from 9 a.m. to 6 p.m. ET. When contacting me, please be sure to have the following sixdigit phone PIN number available: [redacted]. I’m happy 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 had an account with [redacted] which was in collections that I paid in a settlement. My records show that my date of first delincuency was january of 2009. When I checked my credit reports they were reporting may of 2009 so I did an online dispute with the credit bureau to have this matter resolved. When the investigation was complete, this company is now reporting a date of first delincuency in 2010 and its not due to fall off until 2020 with a recent payment of $100. This account was paid years ago. This is obiously inccorect information.Desired Settlement: Please stop reporing incorrect information to all three credit bureaus or stop reporting the tradeline alltogether.

Business

Response:

Dear [redacted]I am reaching out to you about your complaint to the Revdex.com, about informationwe reported to the Consumer Reporting Agencies (CRAs), like [redacted]. We valueyour feedback, and we’re glad to share more information about this.Account ending in[redacted]:After reviewing your account and credit reporting information, I found that we are not reportingthe account to the CRAs. Our records show that this account was not included in the transfer ofcounts to [redacted] Card Services, N.A. when Capital One purchased most of its U.S. credit cardaccounts on May 1, 2012. [redacted] may still be reporting this account and/or the first date ofdelinquency. Please contact them directly at [redacted] for further assistance.Account ending in[redacted]:Our records show this account is reporting as open, with a balance of $39.00, and current, as ofthe date of this letter.If you have additional questions or concerns, please contact me at [redacted] I am availableto assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday.Sincerely, [redacted]

Today I received the worst customer care from [redacted], (employee number [redacted].) from Customer Service Department in Spanish from Capital One, I asked the representative to speak a little slower so I could understand him better, and he refused to do so and said to me that "This is the way I speak, it is your problem, not mine, that you can not understand me." Then I asked him to please transfer me to the supervisor on call. His response was NO, and instead he transferred my call to another department.

I cannot reccommend this compay more! They have been amazing in helping me through the total loss of my vehicle and with the payoff after insurance coverage. I am so gratefull I was able to work with them.

Sincerely, [redacted]

Review: I have 2 credit cards with CapitalOne, both which have the same contact details, and both are set to auto-pay from the same bank account. For some reason one of them got flagged for security, but I received no notices - my credit card was just being rejected. I was travelling outside the country, so I called long distance in to talk to an agent, and they forwarded me to a fraud [redacted]. She kept putting me on hold for 5 minutes at a time, and came back and asked me a couple of questions: what's your address, who is the owner of that address, and what is the mortgage. I told her I had 2 mortgages and asked which one she wanted, she said she didn't know so said I was going to give her info for the one on my primary home. She then put me on hold for another five minutes and asked for a more specific mortgage amount, which I looked up on my bank account to give her the exact amount to the penny. After another 5 minutes, she came back and said the information was not correct, and that they had fraud concerns and that I had to collect a bunch of documents and fax them. I am travelling overseas! I figured she must be looking at the other mortgage so I offer to give her that info but she says since I "failed" the first question she can't continue. "Failed"!? I have 2 freaking mortgages, she couldn't tell me which one she wanted, and since I guessed the wrong one she can't accept the info for the other one? I tell her to just look at my account and she will see I have another credit card with the same contact info, the same auto-pay bank account source, I can tell which txns I did on both cards, etc. She says sorry, she can't take that information into consideration, and I'm still flagged as a "fraud". I say fine I can try to email you the docs you want, but of course they don't accept email, they want me to find a printer to print out the documents and then find a way to fax to them. After wasting 30min of my time on hold (over international long distance), being ambiguous about what info they wanted, not accepting a corrected answer (since I guessed the wrong mortgage the first time), not being able to take information electronically, and asking me to run around town wasting my time just for the privilege of being able to use their card!? Completely ridiculous.Desired Settlement: Really, I just want everyone else in the world to know what terrible customer service Capital One has. I have other credit cards I could use (even the 2nd CapitalOne card), I'm just so upset at how much of my time they wasted and how stupid their fraud [redacted] is. Close the account you is, I'll just take my business elsewhere.

Business

Response:

Our customer is concerned about the restriction put on the account due to verification questions asked by the Fraud Department. The customer was originally requesting to close the account, however; in our phone conversation he was willing to keep the account if we are able to remove the fraud restrictions. Our research shows that no fraud was found on the account and the fraud restrictions have been removed. We advised by telephone the account is open and available for use and the reason the verification questions were being asked.

Review: -They will not send me a card or a bill in order to pay bill online.My complaint concerns: OtherDesired Settlement: I was called a liar by a tech from [redacted] division. He said I have been getting my statements and I told him he was wrong because I paid my [redacted] account off last October 2014 and he proceeded to talk over top of me and would not listen. this I am getting tired of being called a liar and been lied to. This needs to stop. I also talked to another rep from customer service who was very rude. I want a call back from both of the people and want an apology. This is causing me emotional distress and

Business

Response:

Dear [redacted], This letter is in response to our conversation on July 14, 2015, and your concerns to the Revdex.com (Revdex.com), about the service you received, the promotional Annual Percentage Rate (APR), and the receipt of your statements and credit card on your Yamaha account. Thank you very much for your patience while I looked into your concerns. I would like to apologize for any frustration or confusion that you may have experienced while dealing with our representatives. We greatly appreciate and value the business you have had with us since April 25, 2014. Our records show that your account was opened on April 25, 2014, with a Yamaha purchase of $3,173.26. This purchase qualified for a promotional reduced APR, at a fixed rate of 13.99%, and was valid until the $3,173.26 was paid in full. Any other purchases that were made, were not part of this promotional reduced APR, and were subject to the regular purchase APR of variable 22.99%. Your account records show that you paid off the full balance (including the promotional and regular purchase balance) on your account when you made the $3,056.93 payment, which posted on October 30, 2014. Enclosed are the signed Terms and Conditions of the promotional plan. The information regarding the promotional plan is located on the right hand side of the paper. Between October 31, 2014, and June 11, 2015, your account had a zero balance. This is the reason why you did not receive a billing statement during this timeframe. On June 13, 2015, a purchase at [redacted] in [redacted], KY for $112.24 posted to your account. This is what caused your July 2015 statement to be created. For your records I have enclosed copies of your May 2014 through November 2014, and July 2015 statements. During our conversation, you expressed concern that you hadn’t received your credit card in the mail. The address listed above is what we currently have on file for you. Your account records show that, a request was submitted on July 2, 2015, and your credit card was sent regular mail on July 6, 2015. Please allow up to 14 business days from the shipping date to receive it. Since I was unable to reach you on July 17, 2015, to confirm if you received the credit card, you may contact me at the phone number listed below if you haven’t. If you have additional questions or concerns, please give me a call at 866-280-0118, Monday through Friday from 7 a.m. to 3:30 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