Capital One Financial Corporation

Review: Capital One allowed a one[redacted] to run up over $4,000 of credit card acct. ending [redacted]. Capital One told me under the zero fraud policy I would not be made to pay it and they would go after [redacted] criminally for it. Capital One only removed some of the charges and is trying to make me pay $2,066.87 also [redacted] has not been brought up on any charges whatsoever.Desired Settlement: I want the $2,066.87 wiped from my credit balance and a letter of apology from Capital One for lying to me.

Business

Response:

Capital One®

Capital One®

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.

Capital One Case: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com. We would like to try

to help you with this.

Before I can look into your concerns, I need to verify your information for security reasons.

Please give me a call at [redacted] and provide me with 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 mail this information to the address above, or fax it to [redacted]

Once I receive this information from you, I can check into this. If you have additional questions,

please call me at [redacted], Monday through Friday, from 11 a.m. to 8 p.m., ET. I’m glad

to help any way I can.

Sincerely,

Capital One

Review: I am the president of a condo association. We have had an issue with misappropriation of funds by the previous administration and nonpaying members. I presented all of the proper paper work and paid over $400 to have all bank records for the [redacted] sent to the condo association. This transaction was handled by David [redacted] at the 18th and M Capital One Bank on April 13th 2015. The paperwork was promised in 10 business days and no receipt or confirmation number was provided. After the more than 10 business days passed I called and spoke with Mr. [redacted] and he said there was no record in the system and he would expedite another request. Since then, there have been numerous calls and messages left that Mr. [redacted] has not returned and the records have not been delivered. All condo association legal affairs are at a standstill until this issue is resolved.Desired Settlement: Paid for and requested records delivered to the Condo Association

Consumer

Response:

The business has provided me with my requested items and a refund. I would like to cancel complaint [redacted] from email [redacted]

Review: I applied for a Capital One Quicksilver credit card. I was told that I would need to fax a copy of my driver's license and social security card because I have a fraud alert freeze on my credit report. I faxed all the information in to Capital One. I then applied for a second Capital One credit card which was the secured card in case I didn't get approved for the first one. I called in the next day and I was told that my application was approved and to allow 48 hours for the account to be created by the computer system. I was told by an application specialist that if I wanted to I could contact customer service and they would be able to tell me if the account had been created yet. Instead they transfer me to an application specialist. They tell me that because it has been over 48 hours that I would need to speak to a supervisor where they can push it through the computer system. So I spoke to a supervisor and I asked them if because I had 2 credit card applications on file if it could be delaying everything. They said yes. So I had them withdrawl the secured credit card application. I was told that I would get my quicksilver card in 7-10 days. Now I am being told that the supervisor withdrawled both application without my permission. I called back in to see if it was withdrawl and I was told that both of them was. So I was told by a supervisor that they would unwithdral the application. So I called back because of all the run around I have been getting to see if it could be unwithdrawn. I was then told that I would have to apply all over again. I should not have to after I was told I was approved. I should not have to pay for someone else's mistake. I did nothing wrong. I will be going public with this unless I get my card that I was told I was approved for!Complaint concerns: a Credit CardDesired Settlement: I want the quicksilver credit card that I applied for without having to do a credit card application all over again and have my credit report checked all over again! I think the credit card should have to be put into a rush status and a rush be put on creating my account along with my credit card being mailed to me overnight!

Business

Response:

Dear [redacted], This letter is in follow-up to our conversation on June 2, 2015, and your concerns submitted to the Revdex.com (Revdex.com), about your application submitted to Capital One. I’d like to apologize for the length of time it took to resolved this matter and appreciate your patience with us. I would like to share my findings with you. On May 19, 2015, you applied for a Quicksilver One MasterCard. On May 20, 2015, you also applied for a Secured credit card. On May 23, 2015, you were informed by phone that your first application was approved and needed to wait for the processing of the application to be completed in order to mail you a credit card. On May 26, 2015, your secured application was withdrawn per your request. Your first application was also withdrawn accidentally at the same time. On this same day a request was submitted to reopen your application. On May 27, 2015, your application was reprocessed again; however, even though your application was originally approved, we still needed for the processing of the application to be completed. On May 31, 2015, the process of the application was completed. On June 1, 2015, we received a call from you inquiring the status of the application. On this same day, a request was submitted to have your credit card [redacted] to you to the above address. On June 4, 2015, you confirmed your new credit card was received. You also confirmed that the account terms were received dated May 22, 2015, and May 27, 2015. You will receive a letter, under separate cover, that explains the Customer Agreement along with your guide of benefits. This information was mailed to the above address on June 8, 2015. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 7 a.m. to 3:15 p.m. PT. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Review: This company is using a statement due date to falsely report derrogatory payment information to credit bureaus. In more than one instance this has happened to my credit file with no resolution dispite disputes with the company directly and the credit bureaus. They have even reported late payments while in their "catch-up" program in 2012. One example is making a payment OCT 5 2013 leaving 0 past due balance but they are reporting 60days last for Sept 2013. With a regular due date of the 20th day each month, there no way this is possible.Desired Settlement: Inaccurate late payments removed from my credit file for years 2012 and 2013.

Business

Response:

Dear [redacted],

We have reviewed the situation explained in your complaint to the Revdex.com (Revdex.com) and would like to address your concerns.

Our records confirm that you entered into a "Car Pay Catch Up" (CPCU) plan on November 1, 2012; however, the account was past due and owing for August 2012 at the time the arrangements were made. We scheduled check-by-phone payments for the past due August and September payments, and processed an

extension for your October and November payments. While making a payment arrangement can keep your account from escalating through delinquency, it does not prevent negative credit reporting if your account is past due. Please see the enclosed letter dated November 1, 2012, which advises if your account is past due we will continue to report the past due status to the credit bureaus.

According to Fair Credit Reporting Act (FCRA)guidelines, Capital One must report complete and accurate credit information regarding our accounts. In this case, your credit bureau report was found to be accurate. Therefore, we respectfully decline your request to remove the negative reporting from your credit bureau

report.

We assure you that we are committed to providing superior quality service to all of our customers. If you have additional questions regarding this matter, please contact us at [redacted].

Sincerely,

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

First of all, your company strategically disregarded my complaint sited for 2013; which makes me question Capital One's intent. Secondly, I don't believe your facts to be in order. That is certainly not how I remember it being explained telephonically. Based on your attached response the "extensions will move 2 payment of $431.09 each to the end of the loan term." If you moved October and November to the back of the loan on November 1st, how could I be more than 30 or more days late for October and November? If I was late then when where they paid? Isn't that charging me twice since 2 payments were moved to back of the loan and you claim to have scheduled check by phone payments for August and September?

Payments in the amount of $540.00 on 1 August 2012 and $450.00 on September 20th 2012 both posted to my personal check account. Again, if your response is accurate, where was the September 20th payment applied.

In the "What you need to know" section of the Extension you attached it clearly states that it "is a service we offer to help you keep your account current. It's one way to catch up on payments and avoid a possible late fee or negative impact on your credit." Clearly this is not what Capital One intended to uphold. With the time and effort it has taken in attempts to resolve this matter, I'm afraid I may need to escalate these issues to federal authority.

Regards,

Review: My wife [redacted] opened an Credit Card account with [redacted]. Upon hearing the news that Capital One purchased Orchard we paid our credit card account off and closed the account on August 28, 2013 and I cut up the card. In September we received a bill for a balance of $593.82 that was due. I phoned the company and a Capital One representative answered the phone. The representative informed me the account was closed and the balance was 0. The representative also informed me the closure would be permanent on September 28, 2013. During the Month of October 2013 we received a bill for $3.08. I phone Capital One and the representative alleged we made charges on the card on September 23, 2013. I told the representative that we closed the account in August and cut the card up and if there were charges made on it in September then it would have to be fraud. I was eventually transferred to a 2nd representative who informed me the charge of 3.08 were for interest charged for September. I asked the representative why am I being charged on an account that do not exist. Do [redacted] charge her for an account she do not have with them? The account was closed two (2) Months ago. The balance was zero. Why am I being charged for an account that no longer exist? The representative said she would wave the charge. I may be wrong but this is not ethical. I have had dealing with this company in the past which was not good also.Desired Settlement: I have dealing with this company where they say all is forgiven and they called be back three years later. They indicated I owed them $5,000 for membership dues accumulated on a card I never used for the before mentioned time frame. I do not want to repeat the same!

Business

Response:

We spoke with customer and advised that the interest charge has been waived. The account is closed with a zero balance and we advised of the reason the interest was billed to the account.

Review: I asked [redacted]'s to remove my name from a shared [redacted]'s credit card but [redacted]'s is still reporting two credit cards to the credit bureaus.Desired Settlement: Stop reporting the shared [redacted]'s credit card to the three credit bureaus

Business

Response:

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. [redacted]'s is saying that Experian is lying by reporting two credit cards that were issued by [redacted]'s? Evidence of both cards issued by [redacted]'s is attached. The incompetence of [redacted]'s is getting extremely frustrating!

[Provide details of why you are not satisfied with this resolution.]

Regards,

Business

Response:

Dear Mr. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted]’s for resolution. While [redacted]’s has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted]’s Charge account. As it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns. Thank you for providing the requested information needed to continue researching this matter. We are able to confirm that you were previously listed as an Authorized User on a [redacted]’s Charge account ending in [redacted]. However, you were removed at your request on January 11, 2014. While removing you from an account will stop future reporting, it may not automatically delete any previous reporting. We apologize for any confusion this may have caused. To resolve this matter, we sent a request to the Consumer Reporting Agencies (CRAs) to delete this tradeline from your credit file. We ask that you allow up to 60 days for the CRAs to update their files. You may use this letter as confirmation of the changes in process. Mr. [redacted], I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at [redacted]. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President [redacted]’s Department Stores

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 been a long time customer making monthly payments and they restricted my account the day after I paid the balance on the card in full 400.00. Now they are claiming they cannot lift the restriction and return my credit. I have paid a car loan to them in full and have two credit cards with them , I also paid my other account in full. I think it is shameful to treat a long time customer in this fashion. They never notified me that there would be a restriction to the account and I have been in constant contact with them and can prove my payment history with them.Desired Settlement: I want my card reinstated as it was paid in full

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], I am responding to our phone conversation on February 20, 2015, concerning your complaint received by the Revdex.com regarding your account. Thank you for taking the time to express your concerns regarding the servicing of your account. Capital One strives to satisfy our customer’s expectations and I sincerely apologize for the frustration that you experienced due to the restriction of your account. As we discussed, your account has been unrestricted and a new card was mailed to the above address on February 19, 2015. Please allow me to explain what occurred. Your April 2014 billing statement advised that your minimum payment in the amount of $25.00 was due on May 24, 2014. Also, your April 2014 billing statement closed with a balance in the amount of $299.12. Your May 2014 billing statement advised that your payment received on May 21, 2014, in the amount of $25.00 was returned on the same day. On May 27, 2014, your account was billed a late fee in the amount of $25.00. This same billing statement advised that your next minimum payment was due on June 24, 2014, in the amount of $64.00. On June 24, 2014, a late fee in the amount of $35.00 was billed to the account as no payment was received. Your June 2014 billing statement advised that your next minimum payment was $115.00 with a due date of July 24, 2014. Our records confirm that from July 2014 through September 2014, payments were made for less than the required minimum payment amount. Not receiving the required payment made the account past due. Your September 2014 billing statement advised that a late fee in the amount of $35.00 was credited back to your account. Your September 2014 billing statements also advised that your payments in the amounts of $20.00 were received on August 29, 2014, and on September 12, 2014. On September 26, 2014, another debit payment was made in the amount of $25.00. These payments were less than the minimum payment required. Your next minimum payment in the amount of $122.00 was due on October 24, 2014. On October 10, 2014, we received your debit payment in the amount of $25.00. On October 24, 2014, we also received a debit payment in the amount of $250.00 bringing your account current. Your October billing statement closed with a balance of $139.08. Your November 2014 billing statement advised that your $250.00 payment was returned. On November 24, 2014, a late fee in the amount of $25.00 was billed to the account. On your December 2014 billing statement and your January 2015 billing statement, we received your online payment in the amount of $25.00. As this payment was less than the minimum payment required, a late fee in the amount of $35.00 was billed to the account. On December 27, 2014, the account was restricted due to past due status. On January 7, 2015, and January 22, 2015, we received your payments in the amounts of $25.00. The minimum payment due for January 24, 2015, was for $189.00. Your January billing statement closed with a balance of $434.78.Our records show that on February 4, 2015, an online payment in the amount of $25.00 was received. On February 12, 2015, an online payment in the amount of $400.00 was received. On February 13, 2015, a courtesy credit in the amount of $9.78 was issued to the account. As of the date of this letter, the account has a zero balance. I have included copies of your billing statements from April 2014 through January 2015 for your review along with the notices mailed to you advising of the status of the account. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 7 a.m. to 3:15 p.m. PT. 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 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] And thank you for your help !!

regards, [redacted]

Review: This company has violated me beyond any good business practice.

I had a very old capital one credit card account number as followed – [redacted] that was opened in 09/04/2008, and this account charged off many of years back and capital one choose to 1099c this account on 12/31/2014 against their company’s taxes and I received the 1099 c in the mail and disputed this trade line with [redacted] credit bureau in hopes capital one would do the right thing and report out the balance as zero like the credit bureau tells me that they are support do, after my dispute with [redacted] closed out on January the 23 2015,capital one refused to update the balance to 0 and I had to fax in the 1099 c to [redacted] to manually update this trade line. I want capital one to stop all credit reporting on this trade and I all be totally happy and consider this matter closed. Otherwise I will be filing a complaint with the consumer protection bureau and consulting an attorney for miss credit reporting and rung information received back from the [redacted] dispute I filed after this was 100 c and capital one still answered to keep the balance on my credit bureau, if capital one deletes this trade and if comes off the file anyways in 9 months will consider all claims closed.Desired Settlement: I wan capital one to delete this trade and never report again and ill walk away from this situation and condider this matter closed with no recoarse ever..

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], I am reaching out to you about your complaint to the Revdex.com, about information we reported to the Consumer Reporting Agencies (CRAs). We value your feedback, and we’re glad to share more information about this. Thank you for taking the time to speak with me on February 4, 2015, and on February 12, 2015. While our records reflect that we accurately reported your account as charged off, we have made the business decision to delete the tradeline. I have sent an update to the CRAs to delete the account from your credit profile. For your reference, the control number for this update is [redacted]. It may take this agency up to 60 days to update their records. As discussed, our Collections Department confirmed that the first date of delinquency for this account was May 14, 2009, not September 4, 2008, as you had initially thought. September 4, 2008, was the open date of the account. Also as we discussed, the first date of delinquency information typically reports on your credit profile for up to 7 years. This means that this account would have reported up until May 14, 2016. In your complaint, and during the course of our conversation, you mentioned having received a 1099-C for the tax year 2014. A 1099-C was issued to you on December 31, 2014, for the amount of $2,409.42 since we are no longer collecting upon the debt / account. This is because we are required to report this unpaid debt to the IRS as your earned income. This action does not mean that we have deemed the debt to be invalid. I have confirmed that we were previously reporting the account accurately, as a charged-off debt, to the CRAs. However, we have since made the business decision to delete the tradeline as mentioned above. Please keep in mind, cancelation of the debt under IRS regulations does not necessarily result in forgiveness of the debt, so we had continued to provide account information to the CRAs since we have to adhere to the Fair Credit Reporting Act (FCRA). Capital One complies with all applicable regulations of the IRS and the FCRA, and the issuance of the 1099-C does not affect the balance that is being reported to the CRAs.If you have additional questions or concerns, please contact me at 800-955-1455. I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Review: I have written more than three certified letters to the above specified Co. who put incorrect information based on the amount of money they claimed I owed on the credit card they issued. Even though, I strongly disagreed and disputed for the long time that I would not pay till they bring or send the evidence of my use of this credit card for purchase. They failed to provide me the detail of purchases or statements for my use. I finally made the payments just to get rid off this claim so it doesn't affect my credit. I went ahead and paid in installment every penny they asked for, yet I haven't got any justice to present me with any kind of statement for the amount they claimed as a total of $1394 and also their unwillingness to get this out of my record. Just because it still on my record, my credit score us well as my credit worthiness is highly affecting me. Please help me by asking them to provide me with the full detail of my purchase statements.Thank you,

Product_Or_Service: unknown

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

I want to have the evidences so I can present to the credit bureaus to correct the errors that affected my score and my credit worthiness.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about obtaining full details of your statements on your Capital One account.

Before I can look into your concerns, I need to verify your information for security reasons.

Please give me a call at [redacted] and provide me with the following:

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 mail this information to the address to the address above, or fax it to [redacted].

Once I receive this information from you, I can check into this. If you have additional questions, please call me, Monday through Friday from 9:30 am to 6 pm 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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

The party who represented Capital One insisted to call and discus the matter over the phone but I refused to communicate over the phone rather I wrote letter that I would like to see all the evidences in papers and correspondences on a written letters only. I also provided the requested information to the party to help him investigate this matter further.

Review: The total balance of the credit card, [redacted], payment was made on Jan 27, 2014 using bill payment service provided by [redacted]. The bill payment service has been used for several years. According to the payment service record, the payment was withdrawn from the checking account on January 29, 2014. But the payment was not posted on January 29, 2014. When contacted several times from early morning to late evening on January 29, 2014 to verify the payment as fund from the credit card account was needed urgently. But they stated that no payment was received. As the credit was unable to be used, the total payment for my towed car could be made not on January 29, 2014 but on January 30, 2014 when the payment was posted. Therefore, additional [redacted] fee for a day of January 30, 2014 had to be paid. When the issue was raised and $35.00 refund was requested they responded as if they could not understand what I was talking about. According to the official monthly billing statement issued on Feb. 24, 2014, the payment was made on January 29, 2014. I might have made a mistake by checking the credit card account balance just after midnight on January 29, 2014 due to the urgent need of the credit. I will take a lesson from this experience but as they count every single minute for late payment, they must take a full responsibility for making the credit unavailable even after the full payment was taken out of the customer's checking account. Therefore, the refund of $35.00 fee paid on January 30, 2014 is requested.Desired Settlement: DesiredSettlementID: Refund The [redacted] additional fee accumulated on January 30, 2014 due to the unavailable credit regardless of the taken payment.

Business

Response:

Dear [redacted],
This letter is in response to your complaint to the Revdex.com about concerns with a
Late Fee and monthly payments on your account. Thank you for your patience while we
resolved this. I have good news to share!
We confirmed that there has been no Late Fees billed to your account in the past 6 months. We
received your January 2014 statement minimum payment on December 31, 2013, in the amount
of $26.32. This payment was not due until January 21, 2014. We also received your February
2014 statement minimum payment on January 29, 2014, for the statement previous balance in
full of $726.17. This payment was also received early and was not due until February 21, 2014.
As of the date of this letter your account balance is $679.15, with a minimum payment due of
$25.00 on or before March 21, 2014.
We apologize for any frustration when you called in attempting to resolve your concern and we
will be providing feedback where it is necessary to improve our customer experience. We have
issued a credit towards your account for [redacted]. This credit will appear on your April 2014
statement.
If you have any 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.

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.
Capital One refunded the $[redacted] but did not clearly specify what that was for.

Regards,

Review: I am currently (3 yrs now) working with [redacted] to pay off debts I incurred during marriage. I have had my Capital One accounts for 7 and 8 years now without a single late payment in that time period. [redacted] had taken over with making my agreed payments with Capital One at $65.00 a month. Due to a gliche, [redacted] had missed a Dec 2013 payment on 2 of the accounts with Capital One. "I" had only found this out due to trying to purchase a home(which I had been denied due to credit score and this issue), I had contacted Capital One directly to find out what the problem was. They had stated a payment was missed on 2 seperate accounts I had with them due on the 28th of Dec and were received on Jan 4 putting my account 30 days past due. I immediately made a payment on both of them to keep them current and up to date. When I had asked why I wasn't informed prior to it going to my credit report, I was told that Capital One will NOT contact ME due to [redacted] making the accounts. When I asked if they had contacted [redacted], they stated that they would NOT do that either, that [redacted] would have to call them if they wanted information on the account. I had then contacted [redacted] to see what had happened. They had admitted it was in fact their fault for the missed payments, wrote a letter to myelf and [redacted] stating it was there mistake asking to have it removed from my credit reports. A rep from Capital One had told [redacted] that if I had called in and filed a dispute with them over the phone they would consider removing it. I had called them on Jan 6, 2014 and also contacted them in writing along with the letter stating it was not my fault from [redacted] and was out of my control but they had refused to remove the discrepency from my report. These discrepencies state they will remain on my report until 2020 for a $65.00 and $30.00 charge. I have never missed any payments with Capital one for the past 7-8 years with them nor did I miss any payments with [redacted] and Capital One was unwilling to remove these from my report even though I was not the cause of the late payment. It is just simply unfair to me, doing what I was supposed to do, paying off my debts for what I had owed all of these years without a discrepency to have this happen. One of these accounts has since been paid in full and closed and I have only 7 payments left out of 42 left on my [redacted] account to have all of my creditors paid in full. [redacted] nor myself were aware of any discrepencies nor were we notified in any way until it appeared on my report.Desired Settlement: I would just like for the "late/delinquent" status removed from my 3 credit reports. The accounts had been paid up to date by both myself and [redacted] with extra payments. That is all I am asking for is to change the status to a "positive" versus a "negative"

Business

Response:

[redacted]

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted],

Please let this letter serve as confirmation to our conversation on February 25, 2014, about removing the negative payment reporting information from your Consumer Reporting Agencies

such as [redacted], [redacted], etc. We have removed the negative payment reporting information from the Consumer Reporting Agencies for December 2013. Please allow 60 to 90 days for the changes to be reflected on your credit file. If you have any additional questions, please call me at [redacted], Monday through Friday

from 8 a.m. to 4:30 p.m. ET. I’m glad to help any way I can.

Sincerely,

[redacted] on behalf of Capital One

Review: I have been lied to from this company by the promise to pay they do not explain what is all in detail information on this I was told that if I agree to make three payments I would receive my credit back. which was a lie by the company makes you give them your bank account information so then can take out the 3 payments and when you cal to get you account active again they tell you they can not reactivate you accountDesired Settlement: I would just like to have my account reactivated and my credit limit given back to me like I was promised

Business

Response:

Our customer is concerned that the account remains restricted after payment

arrangements had been made and assurances were provided it would be unrestricted upon

completion of the arrangements. We reviewed the account and determined it was

restricted due to payment delinquency, reaching 151-180 days past due during the

November 2013 through December 2013 billing periods. Payment arrangements were

made on December 18, 2013, but the telephone call could not be located for review of the

interaction between the customer and our representative. We contacted our customer by

telephone and advised of our findings regarding the account. We provided the necessary

disclosure information and the terms were accepted. We agreed to remove the restriction

on the account and provided the timeframe requirements involved.

Review: Capital One authorized a payment with my credit card by an unauthorized user.Desired Settlement: As this process has put my credit at jeopardy, I want the company to disallow any charges other than those made by the cardholder.

Business

Response:

Our customer filed a complaint with the Revdex.com regarding fraudulent charges on her account. She requested that in the future, we decline any charge not made by her specifically. We advised our customer that we have fraud protections in place that review charges as they are authorized, but unfortunately there is no way for us to know with 100% certainty which charges are hers. Our customer also notified us that there were two fraudulent transactions on her account. Our customer had previously notified us of these fraudulent transactions and we had already placed two temporary credits on the account, totaling $78. We reviewed the charges and confirmed that they were fraudulent. We finalized the temporary credits we had placed and advised the customer that the fraud investigation was closed and she would not be responsible for the charges.

Review: I've contact Capital One several times and requested information where they can show this credit was opened by me.

I have not heard back from them or received any documentation proving this. I do not recall opening an account for a credit card with Capital one and I need paper work showing this was. They have not responded.My complaint concerns: a Credit CardDesired Settlement: By law, they need to show me proof this was me. If they can not provide documentation showing this was me, I need this removed from my credit report immediately.

Business

Response:

Dear [redacted], I am following up with you regarding the concerns you filed with the Revdex.com (Revdex.com) on October 22, 2015, requesting information or that we take action on your account. In accordance to our internal policies, we sent a request to the Consumer Reporting Agencies (CRAs) to delete the Capital One account from your credit files. The reference number for this request is [redacted]. It may take up to 60 days for the CRAs to update their records. Please note that your account charged off on September 11, 2013, and was sold on December 17, 2014, to [redacted], and they may be reporting the account to the CRAs. You do not owe us a balance anymore, but you may still owe something to [redacted]

[redacted]. If you have any questions about this, you can call [redacted] at [redacted]. We confirmed that the account ending in [redacted] was opened on July 24, 2012, with an online application. The following information confirms you are the owner of this account: • Because the account was opened online there is not a signed copy of an application to provide. • The phone number we have on record, [redacted], has been linked to you by public records. • The address we have on record, [redacted], has been linked to you by public records. • We mailed billing statements to the address of [redacted], and have no record of having received any returned billing statements or other mail that we sent to this address to the U.S. Postal Service. For your reference, I enclosed copies of the billing statements from August 2012 to September 2013. • The Social Security number and date of birth we have on record for this account was verified as yours in our review of your consumer credit file. • We have confirmed the account at [redacted] ending in [redacted] used to make a payment of $168.00 on February 1, 2013, belongs to you. I was not able to locate any records of any previous request from you about this information. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. ET. 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: My credit limit is $500, and this company allowed a merchant to charge $657.70 OVER my $500 credit limit.

HOW does that happen when my credit limit is only $500?My complaint concerns: a Credit CardDesired Settlement: I want my account corrected and this charge reversed.

Business

Response:

Dear [redacted], This letter is in response to the concerns you filed with the Revdex.com (Revdex.com), about the dispute you filed for the transaction charged on September 14, 2015, with [redacted] for $657.70. On October 14, 2015, we spoke over the phone and you advised me that you were disputing the amount of the transaction charged from the merchant mentioned above. You also said that you were concerned that we allowed the transaction to be approved, even though the charge was larger than your total credit limit of $500.00. Please allow me the opportunity to share more information about your case. On September 18, 2015, you told us that the transaction was unauthorized, we opened a fraud claim, and a credit was issued to the account for $657.70. We then determined that the transaction wasn’t fraudulent, but a disputed charge. The credit was then debited back to the account and we began a dispute case. On October 12, 2015, your account was provided another provisional credit for the disputed amount and we notified the merchant of your claim. The same day, we sent you a response letter informing you of our actions, and requested additional information. For your records, I have enclosed a copy of our response letters concerning the specific transaction. If you are still interested in continuing the dispute process, please follow the instructions as disclosed in the letter from October 12, 2015. I also faxed this letter to the fax number you provided me ([redacted]) on October 14, 2015. Rental agencies do have the right to bill your account regardless of your credit limit. To make sure you don't go over your credit limit, please confirm the merchant’s policy regarding possible future billings for extended use or damages. If you have additional questions, please call me at 800-955-1455, Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

I will update this complaint once the claim with Capital One completed.

Regards,

Review: I received a letter notifying me that I had been approved for a card with a 10K limit. I did not apply for any such card. I notified the Company that it was a fraudulent application.

The account is still open and charges are still being made.

Capital One refuses to address the situationComplaint concerns: a Credit CardDesired Settlement: I demand that Capital One correct the errors on my credit report, close the fraudulent account and apologize for their poor service

Business

Response:

Re: Accounts ending in [redacted], [redacted], and [redacted]Capital One Case: [redacted]Revdex.com No: [redacted]Dear [redacted],I’m reaching out to you in response to your complaint to the Revdex.com (Revdex.com)concerning possible identity theft and a Capital One account opened in your name. I’d like to take the opportunity to address your concerns.We understand from your complaint you have concerns about a letter you received notifying you of an open account, which you state was opened fraudulently. I know this can be alarming and apologize for any frustration this may have caused you. A review of our records show there were two additional accounts that were opened in your name, aside from the one account that you mentioned in your complaint.All three accounts have been determined by our Fraud Department to be fraudulent, and the accounts have been closed with a zero balance. For more clarity, I will address each account in more detail separately.Account ending in [redacted]Our records show that this account was opened on September 30, 2014. We had some fraud concerns about the account and mailed a letter to you on October 7, 2014, requesting that you contact us about this account. I have attached this letter for your records. We received a call from you on October 9, 2014, letting us know that this account was opened fraudulently, and we took the necessary actions to close and restrict the account. No charges were made to the account, and the account was closed with a zero balance.Account Ending in [redacted]Our records show that this account was also opened on September 30, 2014. We restricted the account and mailed letters to you on October 9, 2014 and October 31, 2014, requesting that youcontact us to confirm if the account was opened by you. I have attached these letters for your records. Prior to the restriction on October 9, 2014, two charges from [redacted] posted to the account for $500.00 each. On December 22, 2014, you contacted our Fraud Department and verified that this account was also opened fraudulently. At that time, we issued permanentcredits for the unauthorized charges and the two past due fees in the total amount of $1,060.00.The account has a zero balance as of January 17, 2015, and I’ve enclosed a copy of the January 2015 statement, which reflects this information. We mailed you an affidavit on January 12, 2015, to aid in the fraud investigation of the account. We ask that you return this information to the address listed in the letter. I have also enclosed this letter for your records. We have restricted and closed this account.Account Ending in [redacted]This account was opened on October 1, 2014. Due to fraud concerns, a letter was mailed to you on October 9, 2014, requesting that you contact us about this account. We contacted you by phone on October 28, 2014, and you confirmed that this account was fraudulent. We then restricted and closed the account. No charges were made to the account, and the account was closed with a zero balance.An update has been sent to the Consumer Reporting Agencies (CRAs) to remove the above referenced accounts from your credit profile. We ask that you allow them up to 60 days to remove this information.We also recommend that you contact the CRAs and inquire about placing a fraud alert on your credit profile to assist with protecting your identity. To assist you, I’ve provided their contact information.[redacted]P.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH888-397-3742 800-685-1111 Chester, PA 19022 43216www.[redacted].com www.[redacted].com 800-888-4213 800-540-2505www.[redacted].com www.[redacted].comWe appreciate the feedback about your customer service experience and have shared your feedback with the appropriate channels. We strive to provide the highest level of customer service and take any customer complaints seriously.We also appreciate the opportunity to address your concerns. If you have any additional questions or concerns, please contact me at [redacted]. I can be reached Monday throughFriday between the hours of 9 a.m. to 5:30 p.m. ET.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.

There are three components to this issue, the business (Capital One) has only addressed one of them.The correspondence regarding the actions taken to close the fraudulent accounts is satisfactory.

Review: this complaint is for, capital one auto finance, [redacted]. I have called these people several times complaining about increasing my payment from $400.00 a month to $1700.00 TO PAY OFF LOAN 4 MONTHS EARLIER. IT ALSO NOW I PAY MY $400.00 THEY ARE CHARGING ME ON TOP OF FINANCE CHARGES, IT IS CHARGING ME $37.92 LAST FEES. THIS IS NOT THE FIRST TIME CAPITAL ONE AUTO FINANCE. CAPITAL ONE IS A RIP OFF. I HAVE PAID LATE FEES EVERY TIME I TURNED AROUND, WHEN I DID NOT OWE ANY LATE FEES. IF CAPITAL ONE AUTO FINANCE DOES NOT STRAIGHTEN OUT MY ACCOUNT , IMMEDIATELY I WILL FILE A LAWSUIT TO GET MY MONEY. I AM FED UP DEALING WITH THESE PEOPLE, THEY DON'T LISTEN. I WILL NEVER DEAL WITH CAPITAL ONE AGAIN, THEY ARE NOTHING BUT CROOKS.Desired Settlement: I WANT MY ACCOUNT STRAIGHTEN OUT DEDUCTING ALL ILLEGAL FINANCE CHARGES AND LATE PAYMENTS. I WANT THIS COMPLAINT PUT IN Revdex.com FILE AGAINST CAPITAL ONE. IF CAPITAL ONE AUTO FINANCE DOES NOT WANT TO DO ANY THING, I WILL SEE CAPITAL ONE AUTO FINANCE IN COURT. I AM TIRED OF THESE PEOPLE, SCREWING WITH ME.

Business

Response:

June 17, 2013

Review: I set up my August payment for 8/7/15 and for some reason the system did not process it. I was charged a $25.00 late fee and never notified about the payment not being processed. I don't feel I should be responsible for a problem with their system.My complaint concerns: a Credit CardDesired Settlement: I would like the $25.00 fee removed.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns you sent to the Revdex.com (Revdex.com) regarding your August 2015 online payment and the past due fee. Thank you for providing me with the opportunity to look into this for you. As a courtesy, on September 10, 2015, I issued a credit to your account for the $25.00 past due fee that billed on August 7, 2015. Please allow up to 72 hours for this credit to post, and it will appear on your October 2015 statement. According to your account login information, your online account was accessed on July 10, 2015, and July 14, 2015. During those logins only the account balance and pending transactions sections were viewed. The online banking section used to set up payments on your account was not accessed and a payment was not set up for your August 7, 2015 due date. Anytime the required minimum payment is not received the account is subject to past due fees and interest charges per the Terms and Conditions that were provided when the account was opened. We notify our customers of the status of their account on a monthly basis by providing the statement. Additionally, customers have the option of setting up alerts on their accounts in order to be notified when certain actions occur (ie. Payment is past due). We are only able to communicate with you using the methods that you have given us permission to use. In your case, your online preferences are only set to notify you if your payment has posted and when a payment is scheduled. If you would like to be notified by email about other alerts for your account, please login online and provide us with the permission to do so. Below I have outlined some other alert preferences available online: ? Payment is 2 days past due ? Payment due notice sent days before due date ? Minimum payment not posted I trust that my response has addressed your concerns. If you have additional questions or concerns, please give me a call at ###-###-####, I am available from 7 a.m. to 3:30 p.m. PT, Monday through Friday. 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: 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,