Capital One Financial Corporation

I was fraudently charged $475 from [redacted]. Capital One approved the charges because I gave a copy of my id during the reservation. I tried to resolve it and thought cap one would assist to protect me from fraud. To the contrary, they backed [redacted] AND ADDED THE CHARGES. I have been a member 7 years and my experience with the fraud department has me filling violated like [redacted] fraud charges. No one helps and it is only low level escalations who can't do anything. If this is not resolved, I will be forced to make a payment to protect my credit.

Review: Capital One gave my son an account even though he has no job or financial means to pay them back. He charged the full $500.00 unbeknownst to me and now I am attempting to pay off the card. Capital One claims that they will work with you but that is absolutely not true. I became aware of this account in April 2013. I made a payment of $100.00 on 4-8-13. The payment due date was 5-5-13. On 5-6-13 they charged an additional $35.00 late fee. This payment was early-not late. They refuse to credit the late fee. On 6-5-13 I contacted them to discuss a payment arrangement. They were unable to speak to me, my son had to call and give permission for them to talk to me. I had received an offer stating payments could be as low as $50.00 a month. I requested the total if I paid it in cash right now. The person I was talking to put me on hold approximately 10 minutes! I explained that I was at work and could not stay on the line any longer. I told her I would have to call back after work. She just kept talking and I hung up. I called back at 446pm after work. I spoke with [redacted] and I asked to speak with a supervisor. He said he would transfer me and then hung up on me. I called back again and was told that I could make the payment of $242.00 on 6-6-13 and they would credit the 5-6-13 late fee and extend the due date to 6-6-13 to avoid another late fee. Today they charged the additional late fee! I called them 4 times and my son called 3 times and they refuse to credit the late fees saying they can only do a credit once in 12 months. I was also informed that there are no "deals" available for my son's account so no $50.00 payments like they advertised to me exist. I was offered the $242.00 payment or a 2 or 3 payment plan with additional late fees and interest charges. I feel that they will NOT work with people at all! They should not have charged the late fee and the $50.00 payments are false advertising.Desired Settlement: I want both late fees credited for a total of $70.00. And an apology for how rudely my son and I were treated. I will tell everyone I know not to use Capital One! Ever!

Business

Response:

We credited the Past Due Fees as the customer requested.

This bank is extremely misleading. They offer great incentives and it has been three months and I have yet to see the promised incentive. As a matter of fact I can not even get a direct answer about why I have not received my incentive. This is gives me an extremely bad taste as someone that has just joined the bank.

Review: May 2013, I paid my Capital one bill online; I usually pay it over the phone but, that month my daughter graduated college, the same day it was her birthday and she got married that same week. Initially,when I paid my bill, the payment amount was supposed to be $15.00, but, somehow, the payment amount ended up being $300.00. I found out 3 days later when I called to check if the payment had gone through. I constantly monitor everything because I cant afford any type of fee's. Overdrafts, over limit or late fee's. As soon as I found out I immediately called Capital One to inform them; I only wanted them to receive $15.00 not $300.00. The [redacted] @Capital One instructed me to send a fax of proof that I received an overdraft fee and I would be credited once they had proof of the overdraft. I jumped up, the same day, and ran to the bank to get proof of the transaction. At that time, I was told, the overdraft was not official because, it had just happened so my bank gave me a sheet of the transaction and said they couldn't send the fax for me that day. I went back home and faxed the paper from my home and my bank called the paper,"DDA statement Inquiry", dated 5-24-13. Furthermore, I also faxed a letter explaining what had happened to Capital One's Payment Investigation Department. Meanwhile, no action was taken by Capital One and, my bank had an overdraft. I kept calling to see when it would clear up and after several calls I was told to send another fax to the Fraud department @Capital One. Still no action was taken. Afterwards, I called again and someone told me they never received the $300.00. So they didn't need to give anything back. Then someone else @Capital One told me they still needed the $15.00; so I said,"Alright, take the $15.00'. They appeared to take it, but I don't know if they did or didn't. It is now November, 6 months later and still not resolved. Capital One is requesting $700.00 my credit limit was only $300.00. Every time I call no one tells me why the amount jumped to $700.00 when I only owed them $300.00. My bank investigated the matter and closed it but I don't know if Capital One paid back the money to my bank or if my bank gave them any money. Every time I ask no one tells me what happened. Furthermore, before this incident I paid Capital One on time every month and was in good standing. I don't know what else to do to straighten out this matter. Capital One continues to send incorrect statements and when I call to ask why they continue to tell me to pay double the money I owe and I still don't know why. On top of that, this credit card, is going to charge off, according to the incorrect monthly statements' they continue to send. Please help me; this has been overwhelmingly exhausting.Desired Settlement: Want to resume my regular monthly payments. Want them to explain what caused my card to jump up to $700.00. I just want my credit to be straightened up.

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to Revdex.com, about your disputed charge. Thank you for your patience while we resolved this. Our records show that a payment of $300.45 was made on May 23, 2013, online. Per your phone call on May 24, 2013, advising that this was an over payment, a refund of $285.45 was issued to your account. The credit of $285.45 appeared on your June 2013 statement. We were also advised by your banking institution that the payment was not honored. Therefore a debit of $300.45 was also added back to your June 2013

statement, interest of $8.04 was also added and a Past Due Fee of $3.00 making your balance $599.99 on the June 2013 statement. Each month thereafter, interest and past due fees were added to the account as follows: July 2013 interest added $7.07, Past Due Fee $35.00 making the balance $642.06, August 2013 interest added $7.82, Past Due Fee added of $35.00 making the new balance $684.88, September 2013 interest added $8.28, no Past Due Fee added making the balance $693.16. October 2013 interest added $8.11; no Past Due Fee added making the balance $701.27. I have enclosed copies of the above mentioned statements for your review. After a thorough review, we have determined that no error was found in the reporting of your account. For this reason, I am unable to honor your request to change the late reporting from your credit profile. I’m sorry if this isn’t the outcome you were hoping for. © 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.

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

Sincerely,

[redacted] on behalf of Capital One

Enclosures

cc: Revdex.com

Review: Regarding: Account No.[redacted] Capital One Financial Corporation [redacted] To Whom It May Concern:

I am writing a letter about my experience with Capital One that is a mixture of a grateful "thank-you"

and a pressing request concerning a $300.00 Credit Card trade line in my credit files that I would like to

have revised.

I received the Capital One card in 2010, several years before I became unemployed, which later led to

my wife being injured in a serious car accident, losing a leg and 2 fingers. She later married someone

else, taking my 4 children from me. I have since been unemployed/downsized since 2011, evicted, and

am living in a homeless shelter and receiving government assistance. These last 3 years have been the

lowest point of my life. I've never relied on food stamps to make ends meet. When I experienced this

terrible hardship, I became disorganized with respect to, as you saw, making timely payments with your

company. I fully recognize my responsibility with respect to payable accounts and have worked diligently

to rehabilitate my credit worthiness since that time.

To be honest, that year was a wake-up call for me regarding fiscal organization. As a former [redacted] of a [redacted] company, I know what it means to pay on time. Since then I believe I have learned

the essential organizational and financial management principles I desperately needed at that point.

Thankfully, responsible credit management is now reflected in my credit records which-- excluding the

Capital One Bank card late entry-- are excellent. I wish to soon return to prominent status with your

organization and I am determined to keep a spotless record once my life is back on track.

I am now on the road to recovery and have since interviewed for many jobs, and it has come to my

attention that the derogatory notations from your trade line has prevented me from taking full

advantage of the very right that any American citizen finds success and confidence in having- a job.

In fact, I was even approved for a new card secured card with your company. It is a low limit card with a

line of: $200.00. I plan on keeping up to date with this card and making all payments on time. I will not

allow myself to fall into the pit that happened years before.

Since the negative notations do not reflect my current life changing situations, I am requesting that you

give me a second chance at a positive credit rating by revising the negative trade lines. Your customer

service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there

is redemption at Capital One, and I beg you for such consideration. Please let me know if any additional

documentation would assist in reaching a positive outcome, and I thank you again for the time you have

spent reading this letter.

Very hopefully yours,Complaint concerns: a Credit Card

Business

Response:

Dear[redacted].[redacted],Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address your concerns.We understand you would like us to modify the information we reported about your account and remove the derogatory payment history. Based on our investigation, we’ve confirmed that the account charged off as a bad debt on August 31, 2012, with a balance of $732.35 on that date.We are reporting accurate information. As a result, we are not able to change what is being reported.Please know that on September 1, 2012, this debt was sold to[redacted]. Any questions you may have regarding this debt after September 1, 2012, please contact [redacted] directly at[redacted].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, from 8 a.m. to 4 p.m. ET.Sincerely, [redacted]

Review: Capital One 360 has blocked my account and would like them to cancel any accounts under my nameMy complaint concerns: a Banking Account (Savings)Desired Settlement: Cancellation of Accounts

Business

Response:

Dear Mr. [redacted]: We’re writing in response to the complaint that you filed with the Revdex.com (Revdex.com) about the status of your Capital One 360 accounts. We understand that our 360 Customer Satisfaction Team has reached out to you on this and confirmed that your 360 Savings accounts were restricted by our 360 Customer Security Team on January 7, 2015. We were waiting on verbal verification with you to remove the restrictions. That being said, we decided to make an exception and both your 360 Savings accounts were closed, per your request. The remaining balance ($1) was transferred to your linked external checking account on file ([redacted], N.A.) on August 10, 2015. If you’d like to discuss your ability to open accounts with Capital One 360 again in the future, please give our 360 Customer Security Team a call at 1-866-877-2995. Associates are available Monday to Friday from 8 AM to 10 PM ET and Saturday from 8 AM to 6 PM 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: PERMISSIBLE PURPOSE CREDIT INQUIRY On September 26, 2013 I received notification that a hard inquiry was conducted by Capital One Auto Finance on my [redacted] Credit Report. Under no circumstances have I authorized an inquiry on any credit bureau from Capital One Auto Finance. On September 25, 2013, I filled a form on [redacted] that stated only a soft inquiry would be conducted and this would not affect my credit report. I have at no time spoke with a representative of Capital One nor filled out any applications with Capital One authorizing a hard inquiry. [redacted]Desired Settlement: Removal of the un-authorized inquiry on my [redacted] Credit Report and/or any other credit reports.

Business

Response:

Revdex.com -[redacted] – [redacted]

October 23, 2013

[redacted],

We reviewed the situation you explained to the Revdex.com and want to address your concerns.

Please understand that we received your request for an extension of credit from [redacted], and in connection with that request appropriately pulled your credit report. You provided consent for us to obtain consumer report information from your credit profile by submitting your loan request to [redacted].

We have confirmed that our credit reporting is accurate and decline your request to delete the inquiry from your credit bureau report. If you have any further questions pertaining to Capital One, please contact me directly at [redacted].

Sincerely,

On behalf of Capital One

Review: I closed my account with Capital One on August 28th over the phone with a customer service representative. On August 30th, the balance was paid in full. However, after I called to close my account, they allowed my account to be charged by a company on September 10th. I called to dispute the charge and was told that my account was still open and slated to close on October 28th. They refused to acknowledge that my account was closed by me on August 28th and refused to take the charge away.Desired Settlement: I want the charge to be removed because I had closed the account on August 28th. There should have been no way for any charge to be applied to my closed account.

Business

Response:

We advised customer that the charge from Rent to Own reopened her account and caused a balance. We waived the balance of $100.25 and closed the account.

Review: My wife and I receive more than 4-6 mailings per week at our home, and all of them have been returned to sender by the Post Office. I have written and asked repeatedly (on the envelopes of the returned mailings) to TAKE US OFF the mailing list, with no reply and no compliance. Trying to reach out to the company has been met with frustration. Runarounds with the proper phone number and contact information, and a lack of complaint form on their website to handle this internally have contributed to this complaint with the Revdex.com. Mailings that are unsolicited are unwelcome at our home, and they must stop immediately. Take us off your list. We want none of your products and never will. My wife has been the most recent recipient of these, and she shares my sentiments about Capital One. Her name is [redacted] We both receive unsolicited spam mail at our home from Capital One, and we want it to stop now.Complaint concerns: OtherDesired Settlement: We wouldn't use your products on the principle of this issue alone, let alone the fact that we don't want your credit cards or products ever again. You treated me poorly when I had an account, and that won't soon be forgotten. There are other companies out there who treat their customers much better, and they don't spam me or my wife repeatedly with unwanted, unsolicited mail.

Business

Response:

[redacted]I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com)regarding solicitations sent to you by mail.As of April 30, 2015, we have removed your name, and your wife’s name, [redacted],from our mail solicitation systems. As a reminder, if your name was previously selected for anyof our upcoming mail promotions prior to this request, it is possible for you to receive informationfrom us over the next several weeks.I’m sorry we were unable to remove your information from our systems when you returned mailto us. To remove you from our solicitation list, a letter must be written directly to us, or youwould need to call our Customer Service Department. I’m sorry for any inconvenience this mayhave caused you.If you have additional questions, please feel free to call me at [redacted], Monday throughFriday from 10:30 a.m. to 7 p.m. PT. I am glad to help any way I can.Sincerely,[redacted]

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 attempted to speak at capitol one pay my bill and have late fees removed because I made a request change my due date from 8 to 12 th

the cards ending in [redacted] & [redacted] I suppossed a change in due date from 8th to 12th. no one wanted to assist me in removing the late fees. J[redacted]Desired Settlement: have late fees removed for month of June 2 credit cards ending in [redacted] & [redacted]

Business

Response:

Re: Accounts ending in [redacted] and [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in follow-up to our conversation on June 15, 2015, about your concerns to the Revdex.com (Revdex.com), about past due fees billed to your account. I realize you’re concerned about this, and I’d like to share more information. Thanks for taking the time to speak with me. As discussed, for both accounts ending in [redacted] and [redacted], on June 12, 2015, the past due fees for $25.00 each were credited to the account by our Customer Service agents. These credits will appear on your July 2015 billing statements. On May 28, 2015, our records show you requested a due date change from the 8th to the 12th of each month, on both of your accounts. This process takes 1-2 full billing cycles to take effect, so you should still make your normal minimum monthly payment on your current scheduled due date of the 8th. Past due fees are billed when a minimum payment isn’t received by the due date. Allow me to explain further.Account ending in [redacted]:On June 8, 2015, a past due fee for $25.00 billed. The May 2015 billing statement closed with a balance of $288.02, with a minimum payment due of $25.00, by June 8, 2015. We did not receive a payment, and as a result, the account was billed a past due fee of $25.00 and interest charges for $53.58. The June 2015 billing statement closed with a balance of $2,746.56, with a minimum payment due of $109.00, by July 8, 2015. Account ending in [redacted]:On June 8, 2015, a past due fee for $25.00 billed. The May 2015 billing statement closed with a balance of $495.29, with a minimum payment due of $25.00, by June 8, 2015. We did not receive a payment, and as a result, the account was billed a past due fee of $25.00 and interest charges for $10.10. The June 2015 billing statement closed with a balance of $535.38, with a minimum payment due of $66.00, by July 8, 2015. If you have questions or concerns, please give me a call at [redacted] Monday through Friday from 8:30 a.m. to 5 p.m. When contacting me, please be sure to have the following six digit telephone PIN number available: [redacted]. I’m glad to help in any way I can. Sincerely,[redacted], on behalf of Capital One

Review: I need help in with this bill . I call the Capital one and told them about it and they just keep telling me the billing it right will how can it be. on 04/07/13 charge this on my card(1) [redacted] $17.49 on (2).04/07/13 [redacted] $88.00(3). 04/23/13 $49.84 (4).04/23/13 [redacted] $56.29.this all total up to $211.62 . I return on item #4. [redacted] .$56.29 this is a credit back to my account , I made 2 payment of $50.00 Capital One BankCredit CardCapital one*-[redacted] CHECKING [redacted] $25.00 04/16/2013 Paid Capital One BankCredit CardCapital one[redacted] CHECKING [redacted] $25.00 05/07/2013 Paid as you can see that I made my two payment so if you take away $50.00 and $56.29 my charge total should be only $105.33 they are charging me in total of my balance of $408.75 this is not what I own them I own them only $105.33Desired Settlement: I need them to credit me my two payment wish they did one but not the second one . and also Credit my back $56.29 make my payment to be 105.33 and show . have them make my billing right I charge only $211.62 not $408.75 I own them only $105.33 company that to this to us need to be fine and check in to and see what they are really done to us out here . and they just send me any other bill saying my next payment is in 05/28/2013 I already pay them for this month . I am going to send a copy bill

Business

Response:

We contacted our customer regarding the charges on her April 2013 statement that she believed were not hers. Upon reviewing the charges with our customer, she realized she had opened the account earlier than she thought and the charges are valid.

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: [email protected].

Review: I have 2 credit cards with capital one. My husband underwent several surgeries in the past 2 years and his lack of unemployment has caused me to fall behind on my bills. I received an e-mail from capital one that said that I had to make a payment or the account would be terminated. I contacted capital one to set-up a payment arrangement for both cards. The representative told me the amount I had to pay and I told her that I could not afford it so we lowered the amount to $50 bi-weekly. She stated that this would not clear up the balance but I told her since she could only schedule the 1st 3 payments, that I would schedule the rest on my own so I can make sure I am in good standing. I honored my end and when I went to schedule my payments, I saw that one of my cards stated "restricted." I called capital one to inquire and they said since I did not fulfill the amount, the account was restricted. I explained that I did have an available credit and that I did keep the promise on my end to continue the payments. I asked if the restriction could be lifted and the person said no. I then asked to speak to a supervisor who told me that the account may or may not be lifted off of restriction and I just have to keep checking back. The level of service I received for a legitimate concern that I was trying to get assistance on was ridiculous as no one could tell me anything. Then, I was finally told that it was because I did not may the minimum that they wanted me to pay when I originally set up the payment arrangement. The first representative never told me that the account would be restricted or I would have tried to figure something else out. I was told that I could cancel the card and keep paying it and then apply for a new card. In addition, I was assessed a service fee for an account that capital one restricted which I cannot understand what service they are offering me except for not being understanding when people fall on hard times.Desired Settlement: I am requesting that my account be re-instated under the agreement that I will continue my $50 bi-weekly payments and the service fee be reversed.

Business

Response:

Our customer is concerned about the restriction being removed from her account, and an annual membership fee. Our research shows that the account was restricted in April 2014, since it was 120 days past due. The restriction was before the payment arrangements were made in August 2014, so the agent may not have mentioned the restriction. The account was eligible for unrestricting, and we submitted a request to remove the restriction. A related account was billed an annual membership fee, which was also credited. At the customer's request, we also changed the customer's last name from [redacted] to [redacted] during the resolution process.

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 will not return my secured credit card deposit.

After closing my secured credit card account, I never recieved my deposit back. When I contacted the company, they sent me a letter telling me to call a number that doesn't go anywhere, to a bank I've never heard of.Desired Settlement: I want my deposit back.

Business

Response:

My investigation confirms that secured funds deposit check was returned and cashed on December 30, 2011. This information has been provided to card member. Customer is satisfied with resolution.

First off I would like to state this; it looks like I already have a review. However I did not submit one. One of my friends has admitted last night to submitting one for me.
I marked this review as "NEGATIVE" in hopes Capital one would see it.
Yes I have had a few negative experiences, but they have all always been resolved;
I guess my friend had stated I have had MULTIPLE bad experiences, please note, she is a a bit of an exaggerator, she told me what she posted.
Here is the real info for me;
1) yes I have had maybe 2-3 times when my payment didnt go through... HOWEVER in calling, maybe I overrreacted myself, however I always get the payment through, AND! Capital one has been okay with it.
And twice has wiped out my late fee.
2) I had ONE customer service rep tell me that I could not change my name- then one tell me that I have to do things that I am not comfortable with (sending a copy of my SSN card and drivers license through the mail), one state that I would receive a "Secured email link" to change it. At that point I had not (but that was my fault- I had not yet changed my email address).
3) Yes had "my" other review been read by any one- Yes I am Trans, Yes I have had maybe.... ONE person refuse to call me ma'am, or Miss Baker as per my request. Most correct themselves, yes I do get anxious sometimes... but that's the life of a gender dysphoric for you.
4) In resolving this matter- Capital One has been cooperative. Not only the late payments (Like I said- they wipe the late fee, THEY ARE WORKING WITH ME TO CHANGE MY NAME!
And If someone misgender's me, and makes me uncomfortable, I will take action, I will ask for another rep. It's that simple.
Let me make clear, there is no need for a bad review to be given unless every end has been tied up to try to resolve it.
THAT PREVIOUS REVIEW UNDER MY NAME WAS NOT ME!
My friend has even apologized for submission of it.

Review: Capital one says I was late on a payment in oct 2012. I was not late, I had fraud with my checking acct and had to open a new acct. at that time my bank stopped all auto pay transactions. Capital one has removed late payments for other people that I know (brother) just from a phone call asking them to. They are telling me they don't have a way to do that. I have paid on time for my autos and credit cards for years, this is preventing my family from buying a house. The mortgage company says I need this off my credit to get loan approved. Capital one is not helping me, but helps others. I need some help.Desired Settlement: I need a letter from capital one saying they will remove the late payment from October 2012 from my 3 credit bureaus. I need this for my mortgage company.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about information we've reported to the Consumer Reporting Agencies, like Equifax, Experian, etc.

As we discussed during our conversation on January 14, 2014, since there were some possible issues with your checking account and the bank you hold that account with, I sent an update to the Consumer Reporting Agencies to remove the past due for October 2012. It can take up to 90 days for the agencies to show this updated information.

If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 9a.m. to 6p.m. ET. I'm glad to help any way I can.

Sincerely,

Office of the CEO

Capital One

Review: Notified card issuer multiple times most recently on December 5, 2015 by facsimile and December 13, 2015 by phone regarding a disputed charge from [redacted] and I requested a credit to my account in the amount of the disputed charge $2,700.00 due to merchandise from transaction with [redacted] USA being returned and a refund to my prior CAPITAL ONE account ending in 1157 being due and owed from [redacted] .

Both my card issuer, CAPITAL ONE and [redacted] are aware that [redacted] completed the original $2,700 transaction as a split tender from my own personal account with CAPITAL ONE and an account that belongs to another third party for which I have no control or ownership. CAPITAL ONE was provided a sworn affidavit in which I attested that I received no refund, benefit or products from [redacted] #R106 TUKWILA WA 98118 USA in regards to the transaction in error and that a credit is due to me from [redacted] in the amount of $2,700.00.My complaint concerns: a Credit CardDesired Settlement: I would like for CAPITAL ONE, to credit the amount of the $2,700.00 disputed charge in addition to interest late fees and penalties occurring as a result of its failure to properly dispute and resolve [redacted] USA billing error on my behalf.

Business

Response:

Dear [redacted]I’m reaching out to you about your concerns filed with the Revdex.com (Revdex.com)regarding a recently disputed transaction. I have fully researched your concerns, please allowme to explain further.On July 10, 2015, [redacted] charged your account $2,700.00. We received a dispute forthis transaction through our website on July 14, 2015. Our Disputes Department reviewed theinformation you provided in your dispute stating that you had returned this merchandise to thestore. A temporary credit was issued to your account for the full amount of the transaction whilewe processed your request. On July 18,2015, a request was sent to the merchant requesting arefund for the full amount of the charge.We received a response to our request from [redacted] on September 12, 2015, advisingthat they had processed the full refund of the merchandise to a different card ending in 5267. Ihave [redacted] a copy of their response for your review. We removed the temporary credit fromyour account and sent a request to your address above for additional information about yourdispute due by October 14, 2015.On November 10, 2015, we received your response advising that the full refund had not beenproperly credited back to your Capital One credit card. A letter was sent on November 16, 2015,explaining that because the refund had been processed on another credit card, Capital Onewould not be able to assist you further with this dispute. (copy [redacted]) Additionally, onNovember 26, 2015, you spoke with our Disputes Department who advised you of the outcomeof this dispute. Unfortunately, we are unable to further assist you with your request.If you have additional questions, please give me a call at 800-955-1455, Monday through Fridayfrom 8 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digitphone PIN available: [redacted]. I’m happy to help in any way I can.Sincerely,[redacted]

Consumer

Response:

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

Please review and have Capital One to review the [redacted] documents which I have submitted in response to its response from December

31, 2015.

Review: I had a old account ending in #[redacted] that I paid off in July with a attorneys office. The account was paid in full with a money order. I requested a letter from capital one just stating that they received the funds, and that there was no balance. I have not been able to obtain this. They keep referring me to the attorney's office. The problem is that the attorney's office is not listed on my credit report, just capital one. I really need the letter, and the funds should not have to be cleared, because it was in the form of a money order. I would greatly appreciate being able to get some type of assistance in this matter. I am not asking for a release of judgement letter, only something stating the account was paid in full to [redacted]Desired Settlement: I would like this letter to be faxed to me at [redacted] or emailed to me at [redacted]

Business

Response:

Dear [redacted]

I’m reaching out to you about your complaint to the Revdex.com regarding a letter

verifying that your account is paid in full.

On August 7, 2014, you were contacted by a peer of mine, [redacted], regarding the letter

you requested. At that time, you advised that the matter was resolved with our Recoveries

Department and do not require any additional assistance.

If you have additional questions or concerns, please give me a call at [redacted] Monday

through Friday from 6:45 a.m. to 3:15 p.m. PT. I’m glad to help any way I can.

Sincerely,

Consumer

Response:

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

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

Regards,

Review: I have been a loyal customer with capital one for almost about 7 months now. When I signed up in the agreement it said that if the credit card bill was paid on time for the first 6 months they would give me a credit line increase. I am working full time, and I do have a job. I called up to see if there was anything that could be done she was telling me one payment was missed, I immediately checked my Experian credit report monitoring, and all payments were paid on time. I then called up once again and reached a customer service agent, and she specifically told me that the issue could be due to my age, or length of credit history. Which is against the laws regarding the FCRA under CFPB. Then she started to compare me to her son's age and was stating that since he is my age he didn't get approved. She then also started to go over some of the health information on my credit report which is a huge HIPPA violation by mentioning which creditors were owed and how much. and , not only did she compare me to him which I feel discriminated against. But, under the FCRA, and the CFPB; it is illegal to base a decision on age, sex, or orientation. I also feel that the customer service is horrible, and I was promised that someone would reach out to me . I am a Citizen with all the right credentials to apply for a credit card, and increase, I also feel that they took that into thought as well.My complaint concerns: a Credit CardDesired Settlement: I have two lines of credit with Capital one, I would like to have my credit raised on both of my cards for the inconvenience. Or to take both balances with both cards, and have just one credit card with higher limits.

Business

Response:

Dear [redacted], I am responding to your submission to the Revdex.com (Revdex.com) about concerns with credit limit increases for your accounts. I reviewed our records and found that we received payments after the cutoff time for each of your accounts while your account was enrolled in Credit Steps. Because of this, your account credit limit increases were delayed to apply on your 10th billing cycle rather than your seventh billing cycle. Our agents explained the Credit Steps program during your interactions with them by phone when you contacted us for assistance with credit limit increases. As a courtesy, I issued a credit (for the account ending in [redacted]) in the amount of $25.00 on November 10, 2015, for the past due fee billed on May 4, 2015. The past due fee for your account ending in [redacted] was previously credited on June 15, 2015. You state in your submission to the Revdex.com that we did not report your accounts as being past due to the Consumer Reporting Agencies (CRAs). We report the status of your accounts to the CRAs monthly. Because neither of your accounts cycled as 30 days past due, this information was not reported to the CRAs. In an effort to resolve your concerns, I attempted to contact you on the phone number provided in your complaint, but was unable to reach you. The purpose of my call was to advise that we have an option to manually review your accounts for a credit limit increase. This does not guarantee approval; however, it gives our underwriters the chance to review your information to see if our decision would be different. If you wish to move forward with a manual review, please return my call at the number provided below. In order to complete the manual review, I will ask you to provide information related to your employment status, income information, housing information, and authorization for us to access your credit file to process the request. EQUAL CREDIT OPPORTUNITY ACT The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20006. Finally, I reviewed your interactions with our agents and, while I found no errors with the servicing of your account, I appreciate the feedback you provided about our credit limit increase program. I have provided this feedback to the appropriate areas. Please note that we are unable to increase your credit limit for either of your accounts based on any inconvenience you have experienced and will need this information to process the manual review should you choose to provide the information needed. I apologize for any frustration this may cause. 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: 973864. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I had a credit card with Capital One. I got behind in payments and the balance plus interest, went to collections and from there to a garnishment, judgement Jan 17 2005,. The agreement was to pay all the money owed (including future interest) in payments over two years. We did that.The amount was $11,024.70, we actually paid $11,524.70. Final payment was made in Mar 2007. In 2011 Capital One said we still owed money in the amount of $6481.88, which they adjusted $8708.82 and then finally $10,487.54, and wanted a further garnishment. The judge denied the request and said the original garnishment should have been released as it had been satisfied. Now, we have received another letter from another law firm, requesting $12631.60 owing to Capital One. I contacted Capital One Ombudsman and got a reply simply stating that the file was in collections, and have not responded to my further email. I have spoken to the law firm and they are "checking things out" with Capital One and still have no reply from Capital One. Please help, What can we do? I have pages and pages of documentation regarding this and proof of payment. What I don't have, and have requested, is proof of why I owe and how they get their numbers. Sincerely [redacted] email [redacted]Desired Settlement: call off the hounds close the garnishment file (R20) apologize refund the over payment of $500.00 plus interest repair credit damage pay punitive damages

Business

Response:

[redacted]

January 15, 2014

Re: Router Account Number [redacted]

PRIVATE AND CONFIDENTIAL

Dear [redacted],

Thank you for your recent inquiry regarding your account, and the opportunity to be of service to you. We have attempted to contact you by phone without success. As a result, we are issuing this letter in response to your complaint received in our office.

As a member of the Executive Response Committee, part of my role is to review matters of escalated customer inquiry and complaint on behalf the Capital One Bank (Canada Branch) executive offices. Thank you for the opportunity to address your concerns.

In your Revdex.com complaint, you stated that you disagreed with the balance of $12,631.60 owing to your account. Please note that the complaint is currently reviewed by our legal department and they will be contacting you.

We appreciate the time you took to provide your input. We apologize for the inconvenience caused to you.

If you remain unsatisfied with this response, you may contact Capital One’s Office of the Ombudsman. It is important to note that this Office investigates complaints in accordance within its own mandate and terms of reference. This mandate does not include matters of general policy.

Mail: Office of the Capital One Ombudsman

E-mail: [redacted]

Fax: [redacted]

Regards,

Review: I called in to file a fraud report on some fraudulent activity on my accounts, they called me back and basically told me that I'm a liar, I found the person to be very rude, I refused to make the monthly payments because of these charges until they were cleared up, so now I have marks on my credit report tooMy complaint concerns: a Credit CardDesired Settlement: I would like the money for the fraudulent activity adjusted plus a credit for the rude representative and the troubles of all this and my credit report corrected

Business

Response:

Dear [redacted] I am reaching out to you about your concerns filed with the Revdex.com (Revdex.com) regarding fraudulent activity on your account and its effect to your credit profile. I am sorry for the frustration this situation may have caused you. Our Fraud Department has reviewed your account and found no indication of fraud. Based on these findings, we must respectfully decline your request to update the information we are reporting to your credit profile. Please allow me to explain further. On September 4, 2015, we received a request via phone to initiate a fraud investigation on several charges on your account totaling $206.79. When the fraud investigation was initiated, provisional credits for each of the transactions were added to your account while the fraud investigation was conducted. A fraud investigation can take up to 90 days to complete. Your July 2015 billing statement showed a minimum payment of $25.00 was due by August 12, 2015. Your August 2015 billing statement showed a minimum payment of $64.00 was due by September 12, 2015. As stated on the back of your billing statement, you are not required to pay for disputed transactions. However, you are required to maintain your regular minimum payments. When we did not receive payments by your August 2015 and September 2015 due dates, your account became 30 days delinquent and was reported as such to the Consumer Reporting Agencies (CRAs). The fraud investigation was completed on October 21, 2015. Our Fraud Department found no indication of fraud and the provisional credits for each of these transactions will be billed back to your account. Because these transactions were found to be valid charges, the reporting of this account is considered accurate and no update is required with the CRAs. On October 26, 2015, we sent notification to the CRAs that you are disputing the information we are reporting concerning this account. The confirmation number for this notification is 76876546. If you have any additional questions about your credit file, please contact the CRAs directly. To assist you, I have provided the following names, addresses, and phone numbers for the CRAs below: Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH 888-397-3742 800-685-1111 Chester, PA 19022 43216 www.experian.com www.equifax.com 800-888-4213 800-540-2505 www.transunion.com www.innovis.comPlease know that we take feedback from our customer’s very seriously. The calls you mentioned were reviewed and there was no indication of misconduct. However, I have forwarded your concerns to the appropriate area. If you have additional questions, please give me a call at [redacted] Monday through Friday from 8 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m happy to help in any way I can. Sincerely, [redacted], on behalf of Capital One