Capital One Financial Corporation

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: 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

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: 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 [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: 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 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: 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: 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: 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 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 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 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: 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,

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]

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 called Capital one to assist me in resolving a dispute with [redacted]. I provided a lot of documentation on more than 2 occasions and also spoke to many of their agents (who are located in the Phillipines. On one occasion, Capital One lost my documentation and they requested my information again after 2 months and then accused me of responding outside of the dispute period.

I resolve not to do business with them again and I urge you to reconsider whether they have qualified staff who are able to assist you. You would be better served to work with a more reputable credit card company.

Review: I currently have 4 Capital One Credit Card accounts. When I received the Credit Cards I added a Credit/Payment Protection Plan to each credit card. I pay a fee for the service each month. Back in April 2010 and March 2011 Capital One submitted to the Credit Reporting Agencies Late Payments. The credit protection I am paying for each month should have protected me from any late payments being posted to my credit reports. I contacted Capital One Customer Service and was transferred from one department to another and was cut off several times. I had to call back and start the process all over again. I was unable to ever contact the correct person for assistance. I kept asking them to please remove the late payments from my credit reports. No one was able to help me.Desired Settlement: Remove late payments from my credit reports

Business

Response:

We advised that the past due dates were prior to the customer's request to activate benefits and we are reporting accurate information. Also, for his account ending in [redacted], benefits were activated for November 2011 and December 2011 and his credit file will be updated for that time period.

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 refuse to handle simple issues such as marriage name name changes and simple requests to change passwords. I have been with them for almost 6 years with no late payments and they gave me no help at all with my first customer service request..they just continue to say NO ONE is available. BEWARE that are also flawless and that treat me really good! I have a [redacted] and a [redacted].

Product_Or_Service: CreditDesired Settlement: DesiredSettlementID: Refund

Refuse to pay interest or debt for breach of contract. I had to cancel due to disrespect and non answer after they claimed they have great amazing customer service, yet they are still avoiding my calls and I have phone records to prove. They all have artificial names and fake Identities. "[redacted]" "[redacted]" and an "Operator" that just denies you service. I have audio and electrical proof that will suffice in court. I originally agreed to pay if we could come to an con

Business

Response:

Our customer is concerned about the problems she had when she tried to change her last name on her accounts. She is also concerned about the problems she had when requesting assistance with changing her online password. Our research shows the last name was not updated on the accounts and the accounts were closed on January 25, 2014. With the customer's approval, we reopened the accounts, updated the last name, sent out new cards with the corrected last name, issued a credit for $[redacted] on her account ending in [redacted], and issued a credit for $** on her account ending in [redacted]. Customer advised the online password issue had already been resolved.

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,