Capital One Financial Corporation

Review: I entered into a repayment program with this company January 20, agreeing to repay a specific amount within 90 days. I have made two payments and need a 10 day extension to make the third, also well within the 90-day period and they refuse the 10-day extension, which is ridiculous!!Desired Settlement: I want them to extend my final payment to March 31. That is all.

Business

Response:

Dear [redacted],
The Revdex.com has requested that we investigate and respond to your concerns about your request for an extension on the final payment for your settlement offer on this account.
Per settlement requirements, we are unable to change the agreed final payment date under your settlement offer. Changing this date will cause the settlement offer to void and the account will charge off.
I hope this letter explains the situation, but if you have additional questions, please give me a call at[redacted]. I am available from 7 a.m. to 3:15 p.m. PT, Monday through Friday. We’re happy to help any way we 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,

Review: I had my credit pulled for a new credit card by [redacted]. When I got my my credit report it shows 39 credit inquiries from this Capital One address. The dates run from June, 2012 through December 2013. It needs to stop!! I've never had a Capital One credit card. I have never wanted one. This has dropped my credit significantly. I don't know what can be done. It's not right. It's not fair I had to find out this way that some random sleazy credit card company helped tank my credit. I'm trying to build a life I don't need it looking like I'm a crazy person with 39 credit inquiries in 2 years. Like I said I don't know what can be done, but something should!Desired Settlement: Like I said above I don't know what I want. It's not like they can put my credit back. I most certainly do not want a credit card!

Business

Response:

Dear [redacted],

This letter is in follow-up to our telephone conversation on July 1, 2014, and the

correspondence received from the Revdex.com regarding the inquiries on your credit

report. I have some good new to share with you!

I can confirm that the inquiries you received were prescreening inquiries performed by Capital

One. These are soft inquiries that cannot be removed, don’t affect your credit score, and are not

visible to anyone but you.

These inquiries allow credit card companies to identify potential customers and tailor our

products to meet those customers’ individual needs. As discussed, you can opt out of the

prescreened inquiries from Capital One or any other company initiated on their credit report, by

calling [redacted]. This will remove your name from the prescreened

mailing lists and prevent any future prescreened inquiries from appearing on your credit reports.

If you have any questions or require additional assistance, please contact me directly at [redacted]

[redacted]. I’m available to assist Monday through Friday, between the hours of 7 a.m. and 3:30

p.m. PT.

Sincerely,

Review: I have been a VERY disgruntled customer of this company ALL year and after speaking to people about my issue, I have been advised to file complaints about what happened to me.

I received a call from this company about a year ago, and was offered enrollment of a program they offered for the holidays for customers. I was told that I could make a change to my payment schedule and take advantage of not having a payment for a while.

It all sounded a little to good to be true, but I continued to ask questions. My MAIN concern was that my credit would not be affected by my acceptance of this program, and I was told it would NOT be.

After enrolling and seeing that the first initial payment wasn't taken out of my account, I called and was informed that the payment date was entered wrong and my enrollment was not valid anymore and that I had to RE-ENROLL, which I did.

And AGAIN, I was told this RE=ENROLLMENT would have no impact on my credit.

Well....It DID impact my credit and those payments were reported as LATE.

Since then I have been just TOO angry to think straight and now I am ready to tell what happened to me and to take the action I need to take against this company.Desired Settlement: I want the LATE payments removed from my account, and I can move forward with my account in the positive.

Business

Response:

Dear [redacted],I am writing you today regarding the situation you explained to the Revdex.com. Capital One sincerely apologizes for the unsatisfactory customer experience you received regarding your enrollment in our [redacted] program in December, 2013. After reviewing your inquiry and your account, we determined you were provided inaccurate information on December 12, 2013, regarding the possible credit impacts of this payment plan.As a courtesy, Capital One will request the removal of the delinquent credit reporting for the months of January 2014 and February 2014 from your credit report. Capital One has previously waived $63.39 in late fees accrued on this account, and there is currently$21.13 in late charges due. These remaining late fees will also be waived as an additional courtesy to you. In reviewing your account, we have verified that your account was delinquent for the months of March 2014, April 2014, June 2014, July 2014, August 2014, September 2014 and October 2014. In an effort to ensure we are reporting accurate account information, we have submitted requests to the consumer reporting agencies for updates to youraccount.We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at ([redacted]. If you have questions regarding this specific response, I can be reached at ([redacted].Sincerely,[redacted]

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have found that there is actually an issue concerning my CREDIT CARD account.So I definitely have to continue with this complaint.

Regards,

Review: Dear Sir / Madam,

I am complaining because Capital One has acted inappropriately in at least the following matters:

1.) Harassing me with emails, messages, letters, and debt collection efforts despite my numerous and explicit "cease and desist" letters.

2.) Capital One has refused to stop sending me unsolicited emails in violation of [redacted] Civil Code and has failed to acknowledge my requests for a resolution.

3.) Capital One's email mailing list provides no way for a consumer to opt out and is in violation of the [redacted] act.

4.) Capital One has not responded to my messages and requests for assistance.

5.) Et al.Complaint concerns: OtherDesired Settlement: I kindly request Capital One cease harassing me with letters, contact, email, and all other forms of contact. Furthermore, I wish for Capital One to produce a one-time explanation and apology of what has occurred and why they have failed to abide by my requests, consumer protection laws, state laws, and federal laws.

Business

Response:

This is a duplicate to a current case we have open from the[redacted], we will respond under the [redacted] case.

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.

This is not a duplicate case, this complaint has additional information and separate inquiries. I would like Capital One Financial Services to address my issues here.

Regards,

Review: I have sent back return to sender not living here, have called capital one and ask they stop mailing to ta [redacted] at my address as this person does not and from what I can gather from sales records never liced here at this address and every two weeks another pre-approved offer comes in the mailComplaint concerns: OtherDesired Settlement: I want them to remove [redacted] from their database at my Address and stop sending credit card offers every two weeks to my address.

Business

Response:

Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address your concerns. Pursuant to your request to stop receiving mail solicitations from Capital One, I have removed your address, exactly as it appears above, from our mailing list. Please allow 30 days from the date of this letter for all mail from us to stop. This means you’ll no longer receive any offers from us at the address you provided us, and this is effective for any name the offers may be addressed to. If you are receiving mail from us with any variations in the spelling of your address, a separate request must be submitted. If you receive a solicitation that has a variation to the address above, please call me and I will be happy to update our records for you. We have reviewed our records and were unable to find a previous opt out request for this address. We appreciate the opportunity to address your concerns. If you have any additional questions, please feel free to contact me at 800-955-1455. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely,

[redacted], on behalf of Capital One

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,

[redacted] They should not be allowed to ask for these documents I want the account deleted from their site

Review: Someone had continued to subsidized their speding on my credit card account since I moved to this address in 2013. I have not released any credit card information to anyone and I live alone and have since I moved here. The fraud reps. I've talked to have mentioned my property manager's name, and neighbors, who are not on any of my card and not suthorized to use them. They have made personal comments and attacks to me. The fraud amount was taken off, $327.38, and some rep. named [redacted] called and claimed he'd had several talks with me--and that call was him was the very first time ever I spoke with him. He called me a drunk, mentioned info regarding my property manager's name, [redacted], and made other nasty rremarks to me. They have had conversations with people who are not on my credit card and are giving me a hard time time regarding removing the fraud from my account. I have sent in over 3 (three) faxed police reports where my apt was vandalized by someone with a key, (the propertymanagement company has keys) and mailed the reports in to the correct address, I am supposed to have zero fraud protection and I never gave my credit cards nor information to anyone, nor do I have authorized users on my accoun.. The cards were being left in the apt. in the company's filed file folder. I have to keep a hold on ALL my cards with this company or fraudulent charges appear.Desired Settlement: I would like to have all fraudulent charges removed please. $327.00.

Business

Response:

Dear [redacted], This letter is in response to the complaint you filed with the Revdex.com (Revdex.com), about the rebill of charges you disputed as fraudulent, and the experience you had when contacting our Fraud Department to address these concerns. We understand how frustrating it can be when you believe fraudulent activity has taken place on your account. We take the security of our customers’ accounts seriously, and we thoroughly investigated your initial claim of fraud for the charges that posted on your account, from May 22, 2014, to June 24, 2014. At that time, we determined that the charges were valid. However, in response to your recent complaint, we have conducted a second review of this matter and researched your concerns again. I would like to provide you with the information from our investigation that I hope you will find helpful. Our records show that on June 27, 2014, you contacted us to file a security report and informed us that there were multiple fraudulent charges that posted to your account, totaling $327.38. These charges included transactions at [redacted], [redacted], [redacted], and [redacted]. We provided a temporary credit to your account for the disputed charges while we reviewed the claim. During the investigation, we attempted to contact you multiple times, but it wasn’t until August 5, 2014, that we were able to reach you. Upon completion of the investigation and a finding of no fraud, the charges were rebilled to your account, and a letter was sent to you, explaining the outcome. I have enclosed a copy of this letter, for your reference. After a second look into these claims, I have confirmed that the charges were correctly rebilled to your account, as there was no indication that fraudulent activity took place on the account at that time. There were multiple factors that assisted in the determination that these charges were valid. Among these factors, we found that several charges in this fraud claim were similar to charges that had been previously billed to the account and were reflected on prior statements. However, the charges were never reported as fraudulent. On March 3, 2015, we received the police reports you faxed to our Fraud Department, to support your claim that your credit card was stolen. We have reviewed these reports, and we did not find any information that supported your claim of fraudulent activity on the account. The reports make no mention of any stolen credit card and are for incidents that occurred in October 2014 and January 2015. The transactions that you are disputing occurred between May 2014 and June 2014. For this reason and the reasons mentioned above, we are unable to reverse the charges that were rebilled to the account. Additionally, we appreciate your feedback as to your customer service experience with the agent that you spoke with regarding your fraud dispute. We take all complaints seriously, and in response to your feedback, we reviewed the call that you referenced, but did not find any error or unprofessional conduct during the call. We strive to provide the highest level of customer service, and appreciate your taking the time to share your perspective. If you have any further questions or concerns, please contact me at [redacted], Monday through Friday from 9 a.m. to 5:30 p.m. ET. I am happy to help any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: I'm writing this because of my dissatisfaction with your Credit Card system. A few times I've gone to make a payment on your system and it does not save. In the past issues have been satisfied and we have gone on to enjoy using the [redacted] Credit card system. However recently I was charged a late fee of $25 because the system never took my payment. However instead of assisting me with this issue your company reps have chose to deny the claim and insisting I have a tracking number.....which is impossible to get because the system never took the payment as it should.Desired Settlement: I would like the $25 fee removed and someone to look into why the system isn't always accepting the payment. Also explaining to reps that there is no way to obtain a tracking number when a payment isn't taken from your system would be a nice touch. I just don't think they understand the issue at hand.

Business

Response:

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in theExecutive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital OneN.A., we provide the in-house servicing for your [redacted] Charge account. As it is my intent to provide ourvalued customers with quality service, I appreciate the opportunity to review and resolve your concerns.In your complaint, you state you attempted to make a payment using your My [redacted] Charge accountonline access; however, the payment never posted to your [redacted] Charge account because of anunknown error. You are also requesting that we credit the $25.00 late fee charged to your account.Although the assessment of the late fee is consistent with our terms of agreement, we are happy to creditthe late fee as a courtesy to you. Please note that although we are crediting the late fee, the credit is notapplied to the payment amount due by your April 2015 due date, and the remaining amount of $25.00 isstill due by your scheduled due date of April 3, 2015. Please allow me to explain.Our records show your February 2015 billing statement indicated a $25.00 minimum payment was due byMarch 3, 2015. We did not receive a payment by the due date and a $25.00 late fee was charged to theaccount. The late fee, along with interest charges of $3.19 and a new transaction of $127.49 on March 3,2015, brought the new balance on your March 2015 statement to $282.07. This statement indicated aminimum payment of $55.00 due by April 3, 2015.On March 9, 2015, we received a payment of $30.00 via your My [redacted] Charge account. This broughtyour remaining amount due to $25.00 due by April 3, 2015, as explained above. We reviewed our recordsand were unable to locate a system error with our My [redacted] Charge website during the time of yourMarch 2015 due date. We apologize for any frustration this may have caused and want to assure youfeedback will be provided to the appropriate areas.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]

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 accept this offer but the 25 late fee has not been returned as promised

Regards,

Review: Last night I was contacted by [redacted]; a collection agency because they told me I had not paid my [redacted]'s charge card account. However, I had not received a statement or was I ever contacted via the phone or emailed. The person in which I spoke to from [redacted] had all my personal information and called me on my husband's cell phone in which was not even on my [redacted]'s account. They were rude and disrespectful and would not tell me how they received the information they had. I was unaware I owed [redacted]'s any money. I get coupons and new credit cards, but not statements/bills regarding my accounts then I get called by a collection agency. This is not professional and definitely not personable and I have contacted the Revdex.com. After 20 minutes of being ridiculed and disrespected, I finally hung up. If someone cannot talk to me in a professional manner regarding an issue they wish me to be professional about, they do not get respect back. I then called [redacted]'s directly. They then transferred me four times and finally I spoke with a very polite and professional young woman. She told me that my statements were being returned by the post office, so they had no way of getting them to me. Like I said earlier, I was getting coupons and credit cards in the mail, so I am not sure how the statements were not being delivered. Did I ever receive a phone call from [redacted]'s, NO! [redacted]'s never reached out to me by phone. Did [redacted]'s ever email me, NO! They had both my home phone and my email address and neither were reached out too. I asked the young lady if my card was no longer active and expressed to her my concern on how this was handled and informed her my card would be cut up and I would never shop at [redacted]'s ever again due to the way things are handled. Found out that my zip code was mis typed. However, that should not make my bills be returned. You see I live in a small community and know the postal service well. They would still deliver me my items even if the zip code was not correct. You have lost a valuable customer. I will not shop at your store. I will not be treated like this ever again.Desired Settlement: My name to be removed from a list stating it was contacted by a collection agency. Never use [redacted] again. Refund my money of $280!

Business

Response:

Dear Ms. [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. In your complaint, you state that you did not receive any statements, resulting in your account charging off and forwarded to a third party collection agency. You are requesting [redacted]’s remove your account from the agency and credit any related fees. I apologize for the frustration you may have experienced concerning this matter. After review, your concerns were previously resolved. On December 31, 2014, we issued credits to your account totaling $285.43. The credits are for late fees, interest charges, and the principle balance, and appeared on your December 2014 billing statement. Enclosed is a copy of this statement for your review. Additionally, we have reversed the charged off status of the account and submitted a request to the Consumer Reporting Agencies (CRAs) to update the negative payment history on your credit profile. This information was communicated to the CRAs on May 11, 2015. We ask that you allow up to 60 days for the CRAs to update their files. Our records indicate we had the incorrect zip code on file for your mailing address, which resulted in your statements being returned. Our [redacted]’s Collections Department did attempt to contact you via phone to inform you of the missed payment, but was unable to reach you. The account charged off on December 31, 2014, and was being serviced by Progressive Financial. As referenced above, we have taken the above steps to resolve your concerns. As of May 19, 2015, your account is open and current. Ms. [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

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 am writing in regards to my complaint ID [redacted]. I am not satisfied with the outcome. I have already paid Capital One Financial Corporation the amount of $285.43 in by check on 5/6/2015. I cut up my credit cards because they said my account was deactivated. They are trying to reactivate my account and take the charges off and not return me my $285.43. I am not willing to reopen my account. I would like for them to mail me a check for the amount I had to pay in. Thank you.

Review: In March of this year I went to Capital One's web pay system and made a payment that was deducted from my debit card. I had made on time payments and had used the web system each time. This time there was some kind of glitch in the system and about a week later I saw that there were 2 charges from Capital One to my debit card. Being a single mom living paycheck to paycheck I had a panic and called my bank who advised me to contact Capital One. In doing so I was able to have one of the payments reversed and put back into my account. Another week later I saw that both payments had been refunded back to me and by then my funds were a complete mess and all of the confusion caused me to have a late payment. I contacted Capital One and made payment arrangements to get it all squared away and taken care of however when the beareua took a snap shot of my payments it showed I was late causing my score to drop drastically. Like I said I am a single mother with plans in the next year to purchase a home for my children and myself and this mix up is going to cost me quite a bit of time and energy to fix. I asked if there was a way to reverse this to show I am a good standing customer but there was no resolve by the company leaving me in a very unfortunate position.My complaint concerns: an Auto LoanDesired Settlement: I am requesting a correction to the credit bureau's to show I am in good standing and have been.

I have 9 months to work on keeping my credit up and rising so that I can purchase a new home for my children and myself.

Business

Response:

Dear Ms. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We appreciate you allowing us the opportunity to review your concerns, and assure you that Capital One is committed to providing superior quality service. In reviewing this matter, we confirmed that two payments were processed online via our Capital One 360 website. The first payment was processed on June 16, 2015, in the amount of $515.91 (confirmation number [redacted]) and was effective for June 17, 2015. This payment resolved the past due payment for May 30, 2015. The second payment was processed on June 16, 2015, in the amount of $515.91 (confirmation number [redacted]) and was effective for June 18, 2015. This payment satisfied the payment that would become due on June 30, 2015. Both of these payments were manually processed and we did not identify any system errors that resulted in two payments being deducted from your bank account. Per your request, we refunded the payment that you scheduled to deduct from your bank account on June 17, 2015. This resulted in the account being due for June 30, 2015. However, after we issued a refund to you, we received notification from your bank that you disputed the payment that was scheduled for June 18, 2015, as unauthorized and they recovered the funds on June 24, 2015. When your bank recovered the funds, the account became due for May 30, 2015. We did not receive the funds to satisfy the May payment until July 10, 2015, when the account was over 30 days past due. While we understand that you would like Capital One to modify the information we reported about your account, please note that the information that we report to the consumer reporting agencies must be accurate. We are therefore unable to honor your request to change the reporting of your payment history. We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at (800) 946-0332. If you have questions regarding this specific response, I can be reached at (844) 846-0244. Sincerely, [redacted] Office of the President, Financial Services Capital One

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID 10730574, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Manley.Robin_10002159631472.pdf

Review: About a month ago I received an offer to upgrade my current Capital One card to the VentureOne card. I have been a Capital One customer for approximately 5 years. I have never made a late payment and I have a zero balance on my account right now. I also have outstanding credit (750+). I of course wanted to upgrade to the card since it is a great rewards card. I was also under the impression that in upgrading to the VentureOne card I would receive the introductory offer of receiving 20,000 bonus miles when you spend $1,000 in the first 3 months of having the card. My wife and I are planning a trip to the Carribean in January so this offer appealed to me especially. However, when I received the card, I checked my account and noticed that there were no special offers attached to my account. After contacting their customer service department they informed me that since they upgraded my account as a "courtesy" to me for being a good customer, I did not in turn qualify for this special offer. I asked the customer service representative and she told me that there was no way she could include this offer on my account but that I was welcome to apply for another account in order to receive the introductory offer. Why would I want to have multiple Capital One accounts open? And why would I want a hard inquiry on my credit if I don't need to have that? Why couldn't Capital One simply add the introductory rewards offer to my account as a reward for being a good, loyal customer. I was always under the impression that when you had these higher level cards, they went out of their way to provide you with excellent customer service. This is not what I expected.My complaint concerns: a Credit CardDesired Settlement: Please add the VentureOne introductory rewards offer to my account.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns sent to the Revdex.com (Revdex.com) with your recent account upgrade to the VentureOne card. We do take your concerns seriously and I’m glad to share more information about this. I have added 20,000 bonus miles to your account, as a one-time courtesy. As of the date of this letter, your available rewards balance is 23,539 miles. The upgrade offer did not include a benefit of 20,000 bonus miles when you spend $1,000.00 in the first three months. I was not able to locate any calls in which we communicated this to you. I confirmed you accepted the upgrade online, including its terms. We value your business and hope you enjoy all the benefits the VentureOne card has to offer! If you have additional questions, please call me at 800-955-1455, Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy to help any way I can. Sincerely,

[redacted], on behalf of Capital One

I recommend the 5 letter bank that starts with a C over this corporation anyday and everyday. I was a former HSBC customer and my account became property of Cap1 unfortunately. I have been a card holder for over 10 years and have 2 cards from what is now C1. When I am done paying off my balances, my accounts will be closed out. I was recently approved for a 2000.00 CLI from another lender and when requested the same from Cap1 I was denied. The approval from the bank beginning with a C, was given after Cap1 denied me. (Too many recent inquiries, and some other excuse I dont remember) Ummm probably because of your insulting credit limit and the fact I never received a CLI in over 10 years, that I did some shopping around? Thank you though, or I would have never been a new member of the [redacted] card family!! BEING A LOYAL CUSTOMER FOR 10+ years is not enough proven loyalty to be approved for an increase then I'm sorry Cap1, you are an awful, careless, selfish, greedy lender. Did I mention I had to get ahold of the corporate office just to have my annual fees removed after all this time? Oh and the person that assisted me upgraded my outdated cards to the Quicksilver cards, as if she did me a favor. Only to read that most accounts that came from HSBC were upgraded already! I have a 500.00 balance on one card and 300.00 balance on the other. I was not the "ask for a CLI type of person" until I realized one day, the intention in having the cards was so that they would grow with me. LADIES AND GENTS, I grew, got older wiser. MOVED up in life, however my Cap1 cards werent there with me for the ride.

I paid off my cards numerous times before and the only difference this time around is that they will be destroyed and I am looking forward to the day they are just a horrible memory that uncontrollably crosses my mind every now and then, or when I am mentioning to someone why they should stay away. I get better rewards anyway with my [redacted] card and my [redacted] Southwest anyway! SILLY ME FOR KEEPING SOMETHING AROUND THAT DOESN'T WANT ME.... :( Maybe it was the horrible customer service I couldnt get enough of. Or the low credit limits and high APR's, topped off with the double annual fees.. Oh shucks, almost forgot to mention that they are reporting my high balance on my CR's and have no proof of me ever having that high balance, and refuse to adjust it. NOT EVEN SURE IF THAT IS LEGAL..

Capital One was informed on Tuesday that an improper charge was filed, 100 times more than actual bill: $21,000 versus $210. Vendor confirmed it was $210 on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my $20,790. Of course vendor, a [redacted], is not returning anyone's calls. I'll be taking my business elsewhere and suggest you do as well.

My mother opened an account with my assistance. Capital One never disclosed any annual fee. We received the bill and saw annual fee which the rep voiced he could not remove and if we would like him to close account. I replied if hard credit inquiry was going to be removed due to fee not being disclosed? He was rude and said, I believe I answered that question already. I replied no and asked to speak to a supervisor. He passed me through to a supervisor named Renika, very rude rep #VX-R822. She began to read the cancellation agreement... I voiced the previous rep had already read and I would respectfully decline she voiced it didn't matter and she needed to read it. She proceeded to read, soon as I told her I was recording she was like, I didn't consent to being recorded. I replied I didn't consent to having disclosure read. She began attempting to shout over me and hung up. Terrible place! I will follow up to see if their cooperate office does anything about this in the AM. Never had this issue with [redacted] nor [redacted]!!

Review: On or around June 1, 2012 I activated the credit protection benefit associated with my card account, according to the terms of the contract after 9 months if I were still unemployed the benefit will pay a lump sum credit to the card account balance. In my case April 1, 2013 was the 9 month date. I supplied all documentation required and was approved for lump sum credit but to date the credit has yet to be issued or applied against the balance on account. I am constantly receiving calls stating I am past due, over the credit limit. This is an every day occurrence. Each time I call the credit protection dept, I am told the credit will be issued within two billing cycles and two billing cycles have come and gone and still no credit. In addition, I am in need of a replacement card which at first I was told could not be processed due to the fact, the credit protection benefit was activated. Subsequent to deactivation of the benefit I contacted [redacted] again requesting a replacement card be issued only to be told my request can not be processed due to a security alert associated with my credit file. I contacted all 3 credit reporting agencies and each assure me there is no security alert associated with my credit file.Desired Settlement: What I want is what I am entitled in accordance with the terms of the agreement entered into between [redacted] and myself. A credit in the amount of 292.92 issued against the principle balance on account as well as a replacement card.

Business

Response:

Dear Mr. [redacted]:

We were recently notified by the Revdex.com of your complaint about the Unemployment benefit and your request for a replacement card. We value your feedback, and we're glad to share more information about this.

Our records indicate that on June 5, 2013, the Unemployment Lump Sum benefit in the amount of $[redacted] has been posted to your account. In addition, I credited the account $[redacted] in Late Fees and $[redacted] in Interest Charges. You'll see these credits on your June 2013 and July 2013 billing statement.

Our records indicate that you have contacted the Personal Account Protection (SM) Elite Administrator on September 20, 2012, requesting benefit activation for the Unemployment benefit for the Date of Qualifying event being July 1, 2012. At that time a benefit activation claim was established, case number [redacted]. The benefit was approved for benefit activation. On October 1, 2012, the account was credited $60.00 in Late Fees, $[redacted] in Personal Account Protection Elite fees, $[redacted] in Interest Charges. As you Unemployment status lasted longer than nine months, the account was approved for the Lump Sum benefit on April 10, 2012. Regrettably, the lump sum benefit was processed on the closed account ending in [redacted], for this reason the credit for the lump sum benefit was not posted to the new account number ending in [redacted].

With regard to your request for a replacement card, as you were able to verify your phone number on June 11, 2013, our Fraud Department issued a new card to you at the address as referenced above. Per our policies and procedures, the account ending in [redacted] was closed and a new account number ending in [redacted] was issued. Please allow up to 14 days to receive the new card.

Please note, our records indicate that a Fraud Extended Alert was submitted through the Credit Bureaus, and still reporting on your credit profile. You must contact the consumer reporting agencies and provide them a contact telephone number which will allow any financial institution to be able to verify your identity, or you may adjust the alert type.

As of the date of this letter your account has a current balance of $[redacted], with a minimum payment of $[redacted] due on July 1, 2013.

If you have additional questions or concerns, please give me a call at [redacted], ext [redacted] Monday through Friday from 7:00 a.m. to 3:30 p.m. PT. I'm glad to help any way I can.

Sincerely,

Office of Executive Resolutions

Capital One

Consumer

Response:

I have reviewed the information provided by the business from [redacted] in reference to complaint ID [redacted], and find that this is satisfactory with me. I understand if I do not receive the replacement card within 10 to 14 business days, I can get back to you at: [email protected].

Review: I had a Capitol One credit card sense I was 16 and I am not 23. I hardly used it because the APR was always outrageous. In March of this year my wallet was stolen. So I had to close my bank accounts. Capitol One has to wait a few more days for the money and because of this they reported to the credit agencies. So after the fact of my wallet being stolen I called and canceled my account with them because I never used it anyways. I went to a bank to get pre approved for a loan because I was never late on any bills and had a 720 credit score. when the bank told me I had a 603 I was in shock! Because I canceled the Capitol One card I didn't know of a balance of around $117 (the $117 was only from interest, not a purchase!) and 116 days late!!!! Because they DID NOT call me, send me a letter or an email I was unable to fix it right away before it was reported! Now I cant even buy a home.. They had an email that wasn't even mine! This is unacceptable!! Now my credit is even worse because THEY made mistakes!! This is against the law and they violated my rights as a consumer!!!!! Please do something about this company because they are ruining credit of honest, hard working people!Desired Settlement: I want my Credit Fixed!!! I was supposed to buy a home next month and now I cant because of my credit score!!

Business

Response:

We were able to update the late payment history.

Review: I have a credit card with this company. I paid into a coverage on my card that would allow me to skip a month or two payments on my card if I needed too. When I ran into the situation where I needed to use this option I was told that I cancelled the coverage which wasn't true. I never cancelled the service. I then went into the automated service to make a payment. My minimum payment was 69.00 at the time. I wanted to make a 50.00 payment and I was unable to do so. It said that I couldn't make a payment under the minimum amount therefore I couldn't even try to pay on the account even though I wasn't able to make the full amount. That makes no sense at all. This company also charges a late fee if your payment isn't made by 5:00pm the day your payment is due. I pay my account over they don't even give you until 11 pm to make a payment. They are robbing people blind!Desired Settlement: I want the late fees and over limit charges to be taken off my account. I checked my balance today and the minimum about due is now 129.00 last month it was 69.00. I also which for them to stop calling my home at once.

Business

Response:

October 9, 2013

Re: Account ending in [redacted]

CID: [redacted]

Dear [redacted]:

I’m reaching out to you about your complaint to the Revdex.com regarding Payment Protection Services, our automated payment service, the payment posting timeframe, and your request to stop calling your home. We take your concerns seriously, and I’d like to share more information about this.

As a gesture of customer goodwill, we have made a decision to issue a credit in the amount of $176.00 for past due fees recently applied to your account. Our records indicate no over limit fees have been applied to your account. The past due fee credit will appear on your next billing statement.

Your account was enrolled in Payment Protection, an optional fee-based service, on October 11, 2011, via Customer Service Marketing. We understand from your complaint that you ran in to a situation where you needed to use Payment Protection benefits; however, you were told the product was canceled. As explained in our letter (copy enclosed) dated, April 1, 2013, we determined that you purchased Payment Protection during a time period in which our sales process did not uniformly meet our quality standards. As a result of this, Capital One and two of its regulators, the [redacted] and the[redacted] entered into agreements which order Capital One to refund you all costs associated with this service and cancel your enrollment in Payment Protection. In accordance with the terms of the agreements, a [redacted] credit was applied to your credit card account on February 7, 2013, and your enrollment ended on May 31, 2013.

We regret any misunderstanding about the cancellation of this product and eligibility of using this product. You remain eligible to request, within 12 months of the date of loss, Payment Protection benefits for any covered loss that occurred before May 31, 2013. New loss events after this date are not eligible for benefits. If you wish to submit a claim to Payment Protection please contact Payment Protection directly at [redacted] to discuss benefits.

We regret to hear of any miscommunication during the use of our automated payment service. During the use of our automated payment service, an option is provided to pay an amount other than their minimum payment due. Our automated phone service will advise a caller that the amount they choose to pay is less than the current minimum due. The service will confirm that you want to pay the lesser amount by having the caller press “yes” or “no.” Once it is confirmed, the lesser payment is accepted.

You state in your complaint that we charge a late fee if your payment isn’t made by 5:00 p.m. Mailed payments must be received by 5:00 p.m. (the local time where the payment is received), on the payment due date. Customers have until 5:00 p.m. ET on their payment due date to make pay by phone payments or online payments. Please understand that Capital One adheres to all rules and regulations set forth by Federal Government. Additional information regarding payment posting timeframes is provided on our website, [redacted].

Additionally, per your request, we have updated our records and removed your telephone number from our call lists. Although you will continue to receive written correspondence regarding the collection of this debt, you should not receive additional calls from Capital One regarding the collection of this debt in the future. As this is a valid debt, we reserve the right to pursue all lawful means to collect this debt.

If you have questions or concerns, feel free to call me at 1-800-955-1455, Monday through Friday, 8:30 a.m. to 4:00 p.m. ET. I’m glad to help any way I can.

Sincerely,

[redacted]Office of Executive Resolutions

Capital One

Review: We made some charges that were flagged as a fraud alert and denied. We called up to resolve the issue and both my wife and I provided all the information requested, and the customer service representative confirmed our issue was resolved and we could use the card to place the purchases again. We were then notified soon after that our account was terminated. When we called to inquire as to what happened, I provided my card number, date of birth, and last four digits of my social security number, and then I was abruptly told, "no one at Capital One can help you." When I inquired regarding whether my recent purchases went through, the same statement was repeated. When I asked who cancelled my account, the same statement was repeated. When I asked when my check for the rewards dollars owed me would arrive, I was told they were "forfeited." I have been a loyal customer to Capital One for several years - never made a late payment. I don't understand what happened. Product_Or_Service: Capital One Credit Card, [redacted] Signatur Account_Number: [redacted], ExDesired Settlement: DesiredSettlementID: Refund We would like our $144 of rewards dollars refunded.

Business

Response:

Our customer’s main concern was the status of his credit card account. The account was closed as fraudulent and all rewards were restricted. On Thursday, February 27, 2014 we spoke to our customer over the phone. After extensive verification, we were able to resolve this issue by reopening this account, remove the restriction on his rewards points, and providing our customer with a courtesy credit. We informed the customer that he would receive a new card in the mail. Once his card is received and activated his rewards restriction will be lifted. We advised our customer of the decisions made and actions taken. Our customer was satisfied with this resolution.

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 is satisfactory to me. The business has performed this action and I consider this complaint resolved. (If the company does not perform as promised I can get back to you at: [email protected].)

Review: I had debts dischaeged in bankrupcy in 2004.

I have had no credit cards since that date.

They keepsending me letters . 6 mnths now.

I do not owe anyone any money. Capitol one was in my bankrupcy. Six months ago they started sending me letters saying I owed money. I do not.

I am in the process of getting my transcripts.

I lost alot of peperwork in a flood.

The acct # they gave me is [redacted] I have no record of the capitol one acct.

They want personal information. I have not given it

I think they should check the records and my credit report before the threaten me with courtDesired Settlement: Stop bothering My wife and I with an illegal debt

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com of Greater Hampton Roads about communications you received regarding the account listed above. Please know this communication is not an attempt to collect a debt, but is merely a response to your complaint. Thank you for giving us the opportunity to address your concerns. We hope this information is helpful.

According to our records, the account listed above was opened on August 19, 2004. It charged off on April 6, 2005. Our records show we did not receive notice when you filed bankruptcy on May 3, 2005. As a result, we filed a collection action. A default judgment was entered on July 27, 2006.

We apologize for an inconvenience you have experienced. [redacted], [redacted], the law firm we hired to collect on our behalf, filed a motion to set aside the July 27, 2006, default judgment September 8, 2014. We have confirmed we are no longer reporting information about your account to the Consumer Reporting Agencies, like Equifax and Experian. We have also confirmed that [redacted],[redacted] has not asked you to provide personal information. Should you wish to discuss the status of the motion to set aside the default judgment with [redacted],[redacted], they can be contacted at [redacted].

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 6:45am to 3:15pm PT. I'm glad to help anyway 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: I have had a Credit Card with Capitol One for some time. They charge me $5.00 membership fee with I have been paying and adding Payment Protection to this. I have called them, e-mailed them and chatted online with customer rep to have this removed to no avail. I presently have been charged a total of $95.22. I am asking this to be refunded to the card as I do NOT want this service and have informed Capitol One numerous times. My card ends in [redacted].Desired Settlement: $95.22 back to my card for Payment Protection which I have told this business numerous times, I do not desire this service.

Business

Response:

Dear [redacted],

I am responding to a complaint you filed with the Revdex.com (Revdex.com) about the Monthly Membership Fee and Payment Protection fees being billed to your account. I appreciate the opportunity to review your account and respond to your concerns. Per your request, Payment Protection was cancelled on October 6, 2014. From your complaint, I understand that you requested to have the service canceled; however, we do not have a record of this request. Nonetheless, we made the business decision to apply credits, equal to the total amount of Payment Protection fees billed to your account. A credit in the amount of

$413.20 will appear on your October 2014 statement. Our records show that your account was enrolled in Payment Protection on May 4, 2004, via

Customer Service Marketing. Payment Protection is a debt cancellation product that will make benefit payments to a customer’s account in the event of an eligible loss (such as involuntary unemployment or temporary disability).

Finally, while the Monthly Membership Fee billed to your account was disclosed in the terms of your account, we made the business decision to remove the fee from your account. This change will also reflect on your October 2014 statement. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4 p.m. ET. 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: Capital One customer credit card department set extra hurdle particularly for me by asking me faxing over my social security card, driver license, W-2 form and paycheck stub for only my credit card activation -- the credit card application has been approved and the card has been mailed to my home address, and yet they asked those confidential documents when I called to activate the card. Plus I have both saving and checking accounts with the bank. They have all my personal information already.Desired Settlement: Explain the reason why they refuse my credit card activation when the application has been approved and card has been mailed to me.

If no solid explanation, activate my credit card!

Business

Response:

Dear [redacted]

This letter is in follow-up to our phone conversation about the fraud restriction that was placed

on your account. We value your feedback, and we would like to share more information about

why this happened.

As discussed, we reached out to Capital One Bank and were able to confirm the information on

your savings and checking accounts matched with the information on this account. We

unrestricted and reopened the account on October 16, 2014. The account may now be

activated.

Our records show that on September 29, 2014, we restricted the account due to identity

concerns we had because information was not matching with what was being reported by the

Consumer Reporting Agencies. We sent you a letter expressing these concerns and requested

that you contact us (copy [redacted]). You called us on October 6, 2014, and requested that we

activate your card, and at that time we asked you to fax in verifying documents in order to

validate your identity. You refused and told us that you had concerns about sending sensitive

information. You also told us that you did not understand why we could not compare the

account information with the information that we have on file for you on your savings and

checking accounts. To clarify, our Fraud Department does not have access to your savings or

checking accounts, since we only service the credit card. We closed the account per your

request that same day. Please know, this is part of our verification procedures and we do this to

keep your account secure.

Again I am sorry for any inconvenience this matter may have caused. If you need another credit

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

through Friday from 8:30 a.m. to 5 p.m. PT.

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,