Capital One Financial Corporation

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 have been a loyal customer since 2012 and since then my credit worthiness has improved. My apr interest approx 15% and prime interest approx 4% leaves me with combine interest rate close to 20%. I believe when I am applying for cards with 0% interest promo or apr lowest interest cards, they are using a scale base on race and income and over working my credit worthiness. This practice has been evident with banks and car dealerships.My complaint concerns: a Credit CardDesired Settlement: I need to be provided a copy of credit profile and look at how my interest slowly has been increasing since this wrong practice.

Business

Response:

Dear [redacted]I’m reaching out to you about your concerns to the Revdex.coms (Revdex.com) regardingthe Annual Percentage Rate (APR) applied on your account. I’d like to share more informationwith you about this.We reviewed your account and unfortunately, it’s not eligible for a lower purchase APR at thistime. We’re unable to offer you a lower interest rate now, but we review accounts from time-totimeto see if they’re eligible for a lower APR. If your account does become eligible, we’ll behappy to let you know.Our records show your account was opened on December 2, 2012, with a 0% introductory ratefor purchases. After the introductory rate expired on March 1, 2014, the regular purchase rate of15.65% + Quarterly Prime Rate would apply to the account. The March 2014 statement reflectsa purchase APR of 18.90% variable. The prime rate at that time was 3.25%. The APR termswere disclosed to you at the time of application and as part of the Customer Agreement that wesent to you.On June 15, 2015, you accepted an offer to reduce the purchase rate to 14.90% variable (11.65+ Quarterly Prime Rate) for seven months. After the offer expired on January 15, 2015, the ratewould revert back to the previous purchase APR of 15.65% + Quarterly Prime Rate.Please note, your APR is variable and it may increase or decrease if the Prime Rate changes.Your APR recently increased due to the Federal Reserve’s Fed Fund Rate increase by 0.25%that took effect in January 2016. The Prime Rate is published in The Wall Street Journal. Thisinformation is provided to you on your monthly billing statements.We are unable to provide you with a copy of your credit profile or information that explains howwe determine what APR to assign your account as this is proprietary information.You may contact the agencies directly for further assistance with your request for a credit report.[redacted]

[redacted]If you have additional questions or concerns, please give me a call at [redacted], Mondaythrough Friday from 10:30 a.m. to 7 p.m. PT. 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,

Consumer

Response:

I have reviewed the response from Capital One in reference to complaint ID [redacted], and find that this resolution has only provided a report of my variable and prime rate fluctuation from 0% to 19.15% with periods of a lowered interest. A representative informed me of the option to apply for a Capital One card to see if I qualify for a low interest apr which I didn't think to do. I value good customer service, listening ears and problem solvers. The last two csr representatives of Capial One I spoke were helpful and knowledgeable. I will keep the proprietary information in mind when I choose to seek other services from Capital One.

Review: I received via mail a credit card promotion for 0% interest on purchases and balance transfers for 12 months.I had 2 credit cards, one with an 11% interest and the other with 12%. I took advantage of this seemingly great deal only to notice on my bill an $80 interest fee. I called to question and they told me my interest rate is 19% and not 0% on balance transfers. I am truly dumbfounded that a credit card company would be false advertising. When I signed up online I entered my invitation number and even verified the promotion. No one is willing to admit fault and correct the issue. And here they just raised my interest by 7% from what I was originally paying, when according to the promotion it should've been 0%Desired Settlement: I would like for them to honor the original offer of 0% interest on balance transfers for 12months.

Business

Response:

Our customer is concerned with the interest rate that is being applied to a balance transfer she processed on September 1, 2014. Customer states that the solicitation offer stated 0% APR for 12 months for purchases and balance transfers. However, she is being billed 19.99%V on the balance transfer. I obtained a sample copy of the solicitation offer which stated the balance transfer rate would be 19.99%V and there would be no balance transfer fee. The customer stated she did not have a copy of the solicitation offer she received.I advised the terms were being applied correctly to the account. The customer paid the account off and I waived a total of $159.33 in Interest Charges that billed in relation to the balance transfer. I spoke to the customer on December 11, 2014, and I advised she would receive a credit balance refund check in 10-14 days. She was satisfied with the resolution.

Review: Capital One charged me $33 dollars for a protection plan that I did not authorize. When I called the customer service representative he said I would have to call in the next day to cancel. I asked why I had to cancel something I did not authorize. He said he would get his supervisor...he then hung up on me. I want the charged reversed immediately. Account Number Ending in [redacted].Desired Settlement: Charge reversed on my account

Business

Response:

Dear [redacted], I am writing in follow-up to your concerns directed to the Revdex.com (Revdex.com) regarding Payment Protection billing to your account. I attempted to contact you by phone; however, I was unable to speak with you. To address your concerns with Payment Protection, we cancelled it from your account on July 29, 2015, and credited your account a total of $2,096.21 on August 13, 2015. The credits refund all Payment Protection product fees as well as associated fees and finance charges since enrollment. The credits will appear on your August 2015 statement. I apologize for any frustration you may have experienced while trying to reach us about your concerns. . 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 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: Several weeks ago I called Capital One service department regarding the hard credit inquiries which I did not authorize and was told that they will be deleted shortly. However, today I checked my Equifax,Transunion and Experian credit reports and the disputed inquiries are still there. Please have the credit bureaus delete them asap. The date of the inquiries with all 3 bureaus is Sep 4, 2013.

My SSC number is [redacted] , home address is [redacted] and my dob is Oct 24, 1967.

Regards, [redacted]Desired Settlement: Delete the disputed inquiries asap.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com, regarding removal of inquiries from your credit profile. We're glad to share more information about this.

We understand you would like us to modify the information we reported. We received an online application on September 4, 2013, from the email address [redacted], with the address listed above. We will not be able to remove the inquiry, as it is valid. I'm sorry if this isn't the outcome you were hoping for.

If you have additional questions or concerns, please give me a call Monday through Friday, at [redacted] from 9:30am to 6pm PT. I'm glad to help anyway I can.

Sincerely,

[redacted], oh 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.

The reason why I am not satisfied with the business's response is that they have not provided any evidence or any kind of detail regarding my alleged application for credit with them and just claimed that it is "valid". Please ask them to provide competent evidence of my alleged application for credit with them.

Regards,

Review: In late January of this year, I had begun travelling due to work. Before embarking on my trip , I had setup auto payments through my Wells Fargo checking account to pay the upcoming payment due for Feb 1st for the Capital One .

However Wells Fargo failed to execute the payment, even though I received an online confirmation that the payment had been setup. I would not find out about this mishap until my return home in March, by which time the account was over 30 days late. I had over $25,000 in my checking account at the time.

As per Capital One’s customer service department request I forwarded them documentation from Wells Fargo that proved their error and showed I had sufficient funds to make the payment.My complaint concerns: a Credit CardDesired Settlement: This late has caused my perfect credit score to drop by 100 points and has caused me from refinancing my home, I have followed through with Cap One's request to provide them all the documentation they required. I am requesting that in light of this evidence the March 2015 late payment be removed from my credit report

Business

Response:

Dear [redacted], This letter is in follow-up to your Revdex.com request filed on June 2, 2015, about setting up automatic payments and information we’ve reported to the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. I have information to share. A review of your account does not show an enrollment in our automatic payment services in January 2015. On May 19, 2015, we received a letter from you confirming that you set up automatic payments to Capital One with your Wells Fargo bank. Your account has been updated from reporting as 30 days past due in March 2015 to current. I have submitted a request with [redacted] number of [redacted] to the CRAs to remove this past due payment from your credit file. This [redacted] number is to confirm that this request was submitted. It may take up to 60 days for this update to reflect with the CRAs. In the meantime, if you have additional credit reporting questions, please contact the agencies directly. 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 telephone PIN number available: [redacted]. I’m glad to help any way I can. Sincerely,[redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

Review: Violation of the Fair Debt Collection Practices Act

This company has placed a collection on my credit report without contacting or notifying me first.

While checking my credit report recently, I discovered a collection for the amount of $361.00 placed on my credit report by this company. I have never been contacted by this company to be made aware of any debt.

This is a violation of the Fair Debt Collection Practices act, and I would like for this issue to be resolved. I am attempting to solve it via the Revdex.com, but will solicit legal representation.Desired Settlement: Collection to be removed from all 3 credit agency reports.

Business

Response:

Dear [redacted],I’m following up with you about your concerns submitted to the Revdex.com (Revdex.com), regarding information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian. I’d like to share my findings with you.This account was opened on March 13, 2014, through an online application. Due to delinquency the account charged off on December 12, 2014, with a balance of $361.27. I have confirmed that we are correctly reporting your account as such. The last payment we received was for $194.32, which posted to your account on May 5, 2014. Our Fraud Department confirms that this is a valid account. All of our account records; your Social Security number and date of birth matched public record information found for you. Our records reflect this account was established with the address of [redacted], [redacted]. This address has been linked you from May 2014 to May 2015. We mailed statements to this address for April and May 2014. From June 2014 to December 2014 we sent statements to the address listed above and I have also confirmed that there has been no mail returned to us as undeliverable to either address. I have included a copy of the billing statements for this account from April 2014 to December 2014 for your review. In addition, I have included copies of our letters to you dated July 14, 2014, August 15, 2014, October 13, 2014 and November 12, 2014. Each of these letters explained that your account was past due and provided options to bring the account current. As we notified you of this account and the past due status, we will be unable to remove this account from your credit report. The phone number on file of [redacted], was also linked to you through public records and it was used to initially activate the account. The account records confirm that there was a call received from this phone number to report a lost card on May 13, 2014. There was no fraudulent activity reported. Your account number was changed and a new card with an account number ending in [redacted] was issued to you.If you have additional concerns, please give me a call at [redacted], Monday through Friday from 7 a.m. to 3:15 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: It's June 16th and I still have not receive my refund check. Hopefully you will give me the results or answer I require. Per conversation over the phone this evening with one of your agents I was told that I could cancel or put a stop payment on the previous check and have another sent out within 10 to 14 business days. I have been told my check was mailed out on the June 2nd to (removed). Your policy does not meet my requirement of being a customer that paid off your loan with an interest rate higher than 17 percent. It will be bad business for me to wait another 14 business days especially when my car was sold off on the 10th of May. It has already been over 30 days since the check was processed on the 14th of May. It is also bad business to falsify time of closure. The agent I spoke to reported you closed at 8 pm central time when I requested a time that I can follow up on this issue. When I proceed to call your hotline at 7pm Eastern Time your recording says you close at 6pm central. I will consider it a good gesture that my next check is sent with a way that I can check the status of arrival time and it is sent express due to me having to wait over 30 days. If you cant make this decision I require this be escalated to your supervisor and if they cant proceed I will need to hear from your District Manager. I will call your hotline again on your next open business day to follow up.Desired Settlement: Require the refund to be sent via express mail for tracking purpose and due to the delay of first check. Money that was expect or was not suppose to be taken out has affected other accounts and cause damage to other account causing late fees I would like an addition 20% of my refund to cover the damages that has been incurred

Business

Response:

Dear [redacted],

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

Our records confirm that you paid off your Capital One Auto Finance (COAF) loan on

May 13, 2014. In order to ensure the payoff would not be returned, the refund would take

17 days to process; we advised you of this on May 28, 2014, via secured messaging. On

June 2, 2014, a refund in the amount of $649.35 was mailed to the address on file. On

June 16, 2014, you contacted COAF to advise you had not received the refund check.

However, you declined our suggestion to reissue a new check. On June 17, 2014, you

contacted us via secured messaging and requested the check be reissued.

Ultimately, we remitted the funds electronically on June 20, 2014. We apologize for the

experience you have had with the servicing of your loan. We want to 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]

Review: In April, 2013, I entered into a [redacted] and Capital One was one of the creditors. On August 2, 2013 I contacted my [redacted] and told them my husband received a loan and they chose to pay off Capital One, in the amount of $1,485.00 (which owed). On August 9th I had a credit of $27.57. I told them that I wanted the amount owing. They sent me and check. Now yesterday, I received my statement from them stating that I owed them $7.21. They are trying to collect interest on something that was already paid. When the amount was paid off, there should not have been any interest charged. Finally, the account should have been closed and they did not do so.Desired Settlement: DesiredSettlementID: Other (requires explanation)

There should not be any interest applied to an amount that was paid, I would to know of other agencies that I can report their deceptive business practices to. And finally, close the account because I will never get another account from them.

Business

Response:

We have responded to the cardmember by telephone on August 29, 2013. The matter has been resolved in the cardmembers favor. The balance has been cleared and the account has been closed.

Review: My account is restricted and I want my account to be back to normal. My account is current and I have never been late. My account has been open in good status since 10/2002 so I have had this account for 11 YEAR now. Never lost my card, never any fraud on my account in 11 years.Desired Settlement: Put my account back to normal status because I do not feel like a valuable card member, considering I have had this account since 10/2002. ONLY a $500.00 credit line and I have never had any credit limit increase ever. I have two other credit cards with them in great status. If Capital One refuses to put my account back to normal then please close ALL accounts under my name because I do not feel like Capital One values me as a customer or a card member after 11 years of maintaining my account and being there customer. I did close my Capital One checking account because of this already and have switched to [redacted]. www.Revdex.com.org please help me.

Business

Response:

The restriction has been removed from [redacted] account and he may begin using his card immediately. Also a $[redacted] credit has been applied to his account.

Review: I received a call today from my mother saying she received a call from Capital one collections about an outstanding balance of approximately 311.00 on a bank account. I was immediately concerned and called. I first talked to customer service who transferred me to collections. They advised me that a checking account in my name was closed when payments stopped against a revolving line of credit attached to the checking account. At this time, I was complete,y unaware that this account was even still open. I was shocked since I have not received any communication regarding this account in over 2 years. I was then transferred to banking to see if there was any way they could bring the balance down the the original overdraft from 2 years ago, before the revolving line of credit was continuously charged from an empty bank account. The agent then tried to speak to several other departments to see if anything could be done. I asked to speak to a manager, and she directed me, yet again, to another department. This gentleman was absolutely the worst representative I have ever encountered. He was rude and very condescending in his tone. At one point, he accused me of saying I was refusing to pay any amount at all. I corrected him and said I did not appreciated the accusation. I do not think I should have to pay the entire balance due to the fact that they should have stopped charging the account when it was empty, and just sent me a bill for the overdraft. As a bank, why would you continue to charge an account with little to no money in it, causing the overdraft credit to continue to transfer money into said checking account, only to make the owed balance higher!!! I am completely willing to pay the original overdraft fee, but I feel I should not have to pay all the other accrued charges for 2 years after. Capital one is a multi million dollar corporation, do you really feel the need to gouge a military family for 300.00 that shouldn't even be a charge? I will definitely be leaving a note for the military community out here in Colorado to avoid capital one financial.Complaint concerns: a Banking Account (Checking)Desired Settlement: I request to only pay the original overdraft fees for the transaction I am responsible for. It was over 2 years ago, and I will pay fof it. I do not think we should have to pay over 300.00 from the 2 years of accrual.

Business

Response:

Dear Ms. [redacted]: We are writing in response to your complaint that was forwarded to us from the Revdex.com (Revdex.com) regarding your checking and Overdraft Protection Line of Credit (ODLOC) accounts, both ending in [redacted]. We understand you are upset that balances are owed on these accounts that you believed were closed. We value your feedback and hope to address your concerns. We reviewed your accounts, and our records show that the last transaction you initiated on the accounts occurred on August 5, 2011. At that time, $200.00 was transferred from the ODLOC to your checking account to cover transactions presented when insufficient funds were available in the checking account. After that, $20.00 was transferred monthly from your checking account to the ODLOC to pay off the balance owed on the ODLOC. Over time, when the balance in your checking account was insufficient to make the $20.00 monthly payment on the ODLOC, a $100.00 advancement was made on the ODLOC to the checking account. Eventually, maintenance and overdraft fees were assessed on the checking account as well. On November 28, 2014, your checking account charged-off with a negative balance of $62.16, and your ODLOC went into collections in December 2014 with balanced owed of $313.25.Please understand that the automatic payments and advancements were completed in accordance with the procedures for these products, and online account statements were available every month since January 2011 when the account was set to electronic statements. Additionally, we have no record of an account closure request prior to, or after, the August 5, 2011 transaction was completed. That being said, we’d like to help, and have decided to waive the balances for both the checking and ODLOC account. Both accounts have been closed, and no further money is owed to us on the accounts. I hope this letter explains the situation, but if you have any additional questions or concerns, please reach out to us a[redacted]). Associates are available Sunday-Saturday 7 a.m.-11p.m. EST, 6 a.m.-10 p.m. CST. 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 became administrator of my uncle's estate after he died in early 2014. Once I received the legal paperwork, I contacted Capital One to close out his accounts and transfer the funds to his estate account. My initial phone communication with the bank was in mid August. I was given the name of the branch manager to deal with and instructed to email him the death certificate, court paperwork and an explanation of the situation. I emailed and mailed the requested documents on August 21, 2014. After a few weeks went by I called to speak to the person who was supposedly handling my uncle's accounts. In one day I made 5 calls to the bank only to be told the person I was dealing with had transferred to another branch. Nobody I spoke to could contact him to retrieve what I had emailed and mailed. It took several weeks to determine they could not find the documents. I then was told I had to deal with yet another branch and a different manager. When I called that person, I had to explain the situation over again and again could not be put in direct contact with the person I was supposedly dealing with. I then sent the documents for a third time and asked to be contacted by the manager. I received an email asking for a copy of my drivers license to allow her to cut a check and send it to me. I did that and waited another few weeks expecting a check was coming. When nothing arrived I called and asked for the manager. I was told she was busy and at one point I was "inadvertently" hung up on. I called back and the woman I was trying to reach answered but said she was too busy to talk to me. I would not accept that premise so she said she now needed signature verification from the bank where my uncle's estate account is. She contacted them and they called me and said they cannot provide such information to another bank. At that point she requested a letter from me AGAIN explaining what I was trying to accomplish. It took well over 3 months to close the accounts. The employees mislead me over and over.Desired Settlement: My uncle's name was [redacted] The branches I was dealing with were in New York City. I feel the employees I dealt with should be made aware that dealing with customers in a rude, dishonest and condescending manner is not acceptable.

Business

Response:

Please see attached

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 10368433, 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: [email protected].

Regards,

Review: I had a "Balance Transfer" made to my acct. one transfer went fine, the $ for the other acct did not happen (why). I have contacted Capital one on numerous occasions and gotten nowhere!!

The amount of $994.00 was sent to Capital One and cashed. I spoke with a few people that transferred me or put me on hold for an unbelievable time. I tried explaining the problem and I was told it wasn't Capital One's problem... It was the other banks. I TRIED to explain that I had contacted the other bank and they had done a transfer balance exam and I received a letter back from them WITH a copy of the cashed check . I explained to the many individuals that the account number that was on the check was NOT my account number. The other bank made a mistake in typing the account number. I asked if there was a place that this check could have gone...such as the account on the check, a holding account for problems...etc. But again I explained that Capital one DID cash the check. So...where is the money.

The last individual I spoke with told me they had no such thing and that it had NOT been deposited into my account, that being the reason I called...was not a surprise to me. I asked her name, Sam, then I explained one last time...Capital One DID cash the check that was to be a check to pay off my account so that I did not have to continue paying interest. Instead , I have continued to incur interest charges...AND pay the amount fm the OTHER bank...AND CAPITAL ONE HAS A CHECK FOR $994.00 that was suppose to be in MY account,,but it was never put there.

I was also told that Capital one would return the check...which WAS NOT DONE...IT WAS CASHED!!! When I requested that Capital One do a trace on the check the girl told me that Capital One does not do that.

So, with NO HELP from Capital One I am being charged twice for an amount of money that they have, yet claim they don't know of it.

Question : WHERE IS THE MONEY?? How about fixing my acct AND finding the money that your company cashed.Complaint concerns: a Credit CardDesired Settlement: The money being put in my account to pay off my balance. And an apology for the trouble I have had to go through to get the outcome that they should have done to begin with.

Business

Response:

Our customer states she has contacted us for help with a balance transfer check we cashed but have not credited to her account. Our research shows that she called us and spoke with several agents but they misunderstood the handling of an incoming balance transfer investigation and did not offer to use the cashed check information to locate the funds and credit the account. She provided us with a copy of the cashed check; we apologized for the service and credited the $994.00 payment to her account on January 28, 2015. We also issued a $50.00 goodwill credit to the account.

Capitalone is running a scam with there rebuild you credit card they will take money out you account fast in less than 24 hours then when I come to sending out a card that can take 3-4 weeks than once you recieve the card the tell the suscpect fraud before the card is even activated and than wont you send in a whole lot of you person business that should been request before the tAke the deposit fees out your account I wouldnt recommend this card to my dog

Review: I got a letter from CapitalOne on December 12th stating that I didn't send in November payment, when in fact I did and on time. My bank show me that the check cleared on November 12th, my payment is do on the 14th, so it was on time, and someone cash it on the 12th. I call CapitalOne to get this clear up, I gave them the info that my bank gave me, and now I'm thinking all is well. Now I get another call on Sunday night about 8:00 or 8:30pm,(December 29, 2013) about me sending in a payment, I was shock!!! Now they want me to send them my bank info,( Oh God please help me not to cuss ) Now the way people are stealing from people account, and you want me to send you my bank info, and I can't trust you to apply my payment. I need some HELPDesired Settlement: I want this matter taken care of and apology

Business

Response:

Dear [redacted],

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

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

Your name

Your current address

The last four digits of your Social Security Number

Your date of birth

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

Capital One

Richmond, VA [redacted]

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

Sincerely,

[redacted], on behalf of Capital One

Review: MY ACCOUNT HAS BEEN CLOSED FOR SOME TIME NOW AND I JUST NOTICED AN ANNUAL FEE CHARGED TO MY ACCOUNT FOR THE AMOUNT OF $19.00. I TELEPHONED CAPITAL ONE TO HAVE THE FEE REMOVED AND WAS TOLD THAT WOULD NOT BE POSSIBLE. IT IS MY OPINION SINCE THE CARD IS CLOSED I SHOULD NOT INCUR ADDITIONAL CHARGES OUTSIDE OF WHAT IS ALREADY OUTSTANDING.Desired Settlement: DesiredSettlementID: Refund

I WOULD LIKE THE AMOUNT CREDITED BACK TO MY ACCOUNT AND ANY OTHER CHARGES INCURRED PRIOR WHEN IT SENT MY ACCOUNT OVER THE LIMIT.

Business

Response:

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.

On April 9,2014, this account was closed at your request. On that date, the Annual Membership Fee (AMF) was automatically credited to the account. This credit appeared on the April 2014 billing statement. We regret any inconvenience this situation has caused you.

We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at [redacted]. I can be reached Monday through Friday, between the hours of 8:30 a.m. and 4 p.m. ET.

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: There where charges made to the account from a glacier payments company that I did not make, the charges where disputed by me, after capital ones investigation I know owe all charges related plus late charges tacked on. I don't think I should pay for something I did not order.My complaint concerns: a Credit CardDesired Settlement: not to be charged for something I didn't order with tacked on late charges and fees.

Business

Response:

Dear [redacted], We were recently notified by the Revdex.com (Revdex.com) about your concerns with disputed charges and past due fees on your account. We realize you’re concerned with this and I’d like to share more information with you. Unfortunately, based on the information you provided on April 6, 2015, to our Disputes Department regarding the following disputed charges, our position remains the same, we are unable to provide further credits for the following charges: • March 10, 2015 www.[redacted] $74.98 • March 10, 2015 www.[redacted] $79.98 • March 25, 2015 www.[redacted] $79.98 • April 09, 2015 www.[redacted] $74.98 On April 6, 2015, you contacted us regarding the two disputed charges on March 10, 2015, and the one charge on March 25, 2015, your account was immediately credited for each of the charges. You advised that the merchants did not inform you of their automatic billing policy. I have enclosed the letters that were mailed to you informing you of the credits. The credits appeared on your April 2015 billing statement. Due to the information provided by the merchants, on April 22, 2015, your account was rebilled for the disputed transactions. There was no dispute request submitted for the charge on April 9, 2015. On April 21, 2015, letters were sent advising of the rebilling to your account. In addition, the letters requested that you provide us with a copy of your sales invoice or purchase agreement and the date and proof of cancellation and/or return. As of the date of this letter, we have not received any additional documentation from you. The last payment we received for the account was on April 16, 2015, in the amount of $25.00, your account was billed past due fees due to non-payment for the following days and amounts: • May 18, 2015, you were billed $25.00 for past due fee. The minimum payment due was $25.00. • On June 18, 2015, you were billed $35.00 for past due fee. The minimum payment due was $56.00. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. • On July 18, 2015, you were billed $35.00 for past due fee. The minimum payment due was $98.00. Your account will be billed a past due fee if we do not receive your minimum payment on or before the payment due date. Your current due date is the 18th of each month. Your account will also be billed a past due fee if the entire required minimum payment is not received. When this happens, we add the outstanding amount of the minimum payment to your following month’s required minimum payment. If there’s anything you haven’t shared with us about your dispute claims, or if any information has changed, please send it to us and we’ll be happy to take another look. 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. When contacting me, please be sure to have the following six digit phone PIN number: [redacted]. I’m happy to help any way I can. Sincerely, [redacted] on behalf of Capital One

Review: I TOLD THE REP. I AM NOT GOING TO BE HOME SO DO NOT MAIL OUT MY CREDIT CARD OUT. THE REP. STOP MY CARD AND MAILED OUT THE NEW CARD... NOW I HAVE NO MEANS OF FUNDS.My complaint concerns: a Credit CardDesired Settlement: OVER NIGHT THER NEW CARD....... THE REP SAID. TOO BAD WE ONLY MAIL IT OUT IF OUR CAR BREAKS DOWN OR IF YOUR DYING.

Business

Response:

Dear [redacted], This letter is in response to the request you sent to the Revdex.com (Revdex.com) about your credit card account. I am writing to follow up on our phone call about the fraud investigation that our agents conducted for your account between October 2, 2015, and October 6, 2015. This morning, I checked your account to confirm that your new was card delivered and activated. The account restriction has been removed. I am glad that I could help you with the courtesy credit that we posted to your account on October 6, 2015, but I also want to apologize. Capital One tries to provide the highest level of customer service for our customers, and we failed to meet your expectations in this case. Please let me assure you that we have provide feedback to the appropriate people. In your conversation with the account supervisor on October 4, 2015, you mentioned that the account restriction may have caused you to miss an opportunity to add some Rewards points to your account. As a courtesy, I have processed a $100.00 Rewards credit. Thank you for your patience while we were addressing your concerns. If you have any other concerns, please don’t hesitate to give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six-digit phone PIN available: [redacted]. I’m happy to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I had recently had fraud on my account and was told they wouldn't charge me for the frauds well then later on they said they would not be able to credit back my account since it seemed legit when it wasn't. Now I look and find out they had put back another charge on top of that. I am not happy with this company and want to get this resolved. How can you promise if somebody conducts fraud on your account to credit it back then later on say you can't.Desired Settlement: I want a full refund for the two fees that I didn't authorize which would be a total of like $422 dollars and some cents.

Business

Response:

Our customer is upset regarding fraud on his account. The customer stated that Capital One re-billed him improperly for charges he claimed as fraud. After further review, we were able to come to a resolution for our customer. We advised the customer that all charges were previously returned to him except for one charge in the amount of three hundred twenty one dollars and twenty cents. We explained that through our verification process, we were able to verify the charge for three hundred twenty one dollars and twenty cents as a valid charge. Also, we provided our customer with a one time good will credit of one hundred dollars. Our customer expressed that he is satisfied with this resolution.

Review: I [redacted] am filing a complaint against the credit agency Capital One Bank, whom has failed to remove themselves from my credit report with all three credit bureaus.

All debts have been settled and or paid in full. I am requesting a letter of debt determination, and that their mark be immediately removed from all three credit bureaus.

If they fail to remove their mark I will seek legal action against them.Desired Settlement: Capital One to remove their mark from my credit report on all three credit bureaus immediately or I will be seeking legal action.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], We are responding to your correspondence received by the Revdex.com about the reporting of your account to the Consumer Reporting Agencies (CRAs). Per our conversation on February 5, 2015, a request has been submitted to the Consumer Reporting Agencies, like [redacted] and [redacted], to remove the delinquencies from July 2012 through October 2012 from your credit file. I have confirmed that the account is reporting closed with a zero balance and no past due payments. 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