Capital One Financial Corporation

Review: In December, 2013, I was the victim of identity theft. They secured a credit card from another bank in my name, and tried to secure one from Capital One, plus another bank. I notified the issuing bank, who in turn notified the three credit reporting bureaus who placed a fraud alert on my record. They also put into effect a "no solicitations clause" I also contacted Capital One Bank and inquired about any applications in my name. They had one but refused it due to lack of information. I informed them of the fraud alert. I also sent them a certified letter explaining the situation. I received a signed return receipt from Capital One Bank.This past week I received an unsolicited application for a credit card from Capital One Bank. I called customer service and explained the situation but could not make the rep understand. I asked for his supervisor and got the same response. He advised me to send a letter explaining the situation. He gave me a [redacted] He said to just address the envelope "General Correspondence."I want my name removed from Capital One Bank's records permanently. I want no more solicitation from them, but can't seem to get them to understand.PLEASE HELP ME.....Desired Settlement: I want no more solicitations from Capital One Bank and some sort of proof of same.

Business

Response:

Dear [redacted]Your complaint to the Revdex.com was forwarded to the attention of the ExecutiveOffice for response. Please allow me to address your concerns.Pursuant to your request to stop receiving mail solicitations from Capital One, I have removedyour name and address, as it appears above, from our mailing list. Please allow 30 days fromthe date of this letter for all mail from us to stop. This means you’ll no longer receive any offersfrom us at the address you provided us.If you are receiving mail from us with any variations in the spelling of your name or address, aseparate request must be submitted. If you receive an additional solicitation that has a variationto the address above, please call me and I will be happy to update our records for you. We havereviewed 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,you may contact me at [redacted] I can be reached Monday through Friday, from 8 a.m. to4 p.m. ET.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,

Revdex.com spoke with the customer she said that this does resolve the complaint.

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: Capital one continues to add on cash advance charges when the card was canceled in 2009.The original advance was $300 now its up to $746, I agreed to continue payment even when I had no access to the card. No one wants to discuss this problem with me.Desired Settlement: Correct Problem

Business

Response:

Dear [redacted],

This letter is in follow- up to our conversation on January 16,2014, regarding the balance on and payments being applied to your account.

[redacted], as of the date of this letter your account balance is $[redacted]. In reference to your concerns with the way the payments are applied to your balance, when you make a payment which exceeds the minimum payment by an amount sufficient to pay a higher rate balance shown on your statement, you may still have a balance at the higher rate on your next statement as a result of transactions, interest, or fees charged to your account before your payment was credited. For instance, interest continues to accrue on the higher rate balance between the last day of the statement and the date we receive your payment, but that interest does not post to your account until the next statement. We are not able to change the way payments are applied.

We use the Average Daily Balance to compute the interest charges for each balance segment on your account. This is the average amount that exists in an account over a period of time. The Average Daily Balance amount is determined by adding together the balances, including new transactions for each day during the billing cycle, and then dividing by the total number of days in that cycle.

In order to avoid paying interest entirely, you would need to pay off the entire account balance including the balance transfer or pay off the purchase balance and refrain from using the card untl the balance transfer is paid in full.

In case it is helpful, I have enclosed a copy of your Customer Agreement as well as your November 2013 through January 2014 billing statements. Please refer to the sections labeled Interest Charges and Fees and How We Apply Your Payments in this document. The sections of your billing statement labeled How Can I Avoid Paying Interest Charges, How is the Interest Charge applies and How do you Calculate the Interest Charge, disclose the information provided in this letter.

If you have additional questions or concerns, please give me a call at [redacted] Monday through Friday from 6:45a.. to 3:15p.m. PT.

Sincerely,

[redacted], on behalf of Capital One

Review: Capital One has charged me a "member fee", which I knew nothing about, nor when the charges were supposed to occur. This put me over the limit. The company has yet to notify me via email, phone, or anything about these charges/deliquincies. Yet, the first thing they do is notify the credit bureaus that I have an over the limit fee. This has injured my credit to the point that I now cannot look for an apartment. This company is soley in business to HURT the consumer. Why would they send notification the credit bureau without first contacting me to fix the problem? I want this company to remove the negative item from my credit reprot. I am leaving all aspects of this company by closing my credit card and moving my money away from Captial One 360 also. This company is only out to hurt customers. I want nothing more to do with them. Trying to reach them by phone is next to impossible. I am absolutely hurt and upset that they would treat the consumer this way.Desired Settlement: I want the over the limit fee removed and the most important thing is I want this removed from my credit. I also want instructions on how to close all my accounts so I can get as far away from this company as possible.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com in regards to the Annual Membership Fee and your request to remove the over the limit reporting from the Consumer Reporting Agencies, like Equifax, Experian, etc.

As a courtesy, we have credited your account the Annual Membership Fee in the amount $[redacted]. This adjustment will appear on your Febuary 2014 billing statement. If you would like to close your accounts, please contact me at the number listed below.

Your December 2011, November 2012 and December 2013, billing statements show a renewal notice indicating the Annual Membership Fee of $59.00 will be billed on your next month's billing statement.

We understand you would like us to remove the over the limit reporting from the Consumer Reporting Agencies but we aren't able to do that. Please note that this account is reporting as open, current with a high balance reporting in the amount of $[redacted] dating back to January 1, 2009. The high balance that is being reported is not a result of the Annual Membership Fee that was billed to your account on January 2, 2014. I'm sorry if this isn't the outcome you were hoping for.

If you have additional questions, please call me at [redacted], Monday through Friday, from 11:30a.m. to 8p.m. PT. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

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: The complaint is in regards to an auto loan (account no. [redacted]). The vehicle was in an accident (May 2013) and deemed a total loss by Capitol One (July 2013). At which point, I began communicating with [redacted] ([redacted]). I arranged a settlement agreement and was advised payments for the balance would be taken out of my check automatically and the car would be picked up from in front of my home within the next week. The car was not insured, I requested a copy of my loan documents and was advised they would be sent out to me. They were never mailed. I requested this of the company at my mothers urging due to my borrowing the initial settlement down payment from her. She was concerned the vehicle should have had gap insurance on the loan as the requirement of the state. CapitalOne has yet to retrieve the vehicle and it sits in front of my home. I have communicated with CapitalOne to no avail in regards to the vehicles retrieval. They will not provide a title so I can have it removed. And there representatives have conveyed it is their car. I have recently been advised my credit report is reflecting my account is a voluntary repossession. Yet, I have located the letter I received from Capital One indicating the vehicle was a total loss. The total loss is why the account was negotiated for settlement. The company has now, not followed through with their verbal conveyance of picking up the vehicle. The company did not send my loan documentation for the vehicle as requested. And the company is not inaccurately reflecting the vehicle has been voluntarily repossessed on my credit report. I would appreciate your assistance in having the inferior service which I am currently receiving addressed. Thank you.Desired Settlement: I am still requesting a copy of my loan documentation in its entirety. I would like the vehicle removed from in front of my home as promised. The voluntary repossession is not applicable to my situation. The companies representative, [redacted]', conveyance of the car being removed was a key component of the settlement agreement. I would like a letter of apology from the company, due to the fact, I should not have had to go this extent to be treated fairly. In their letter, I am requesting the company again acknowledge my car is a total loss, and a settlement agreement was posed and I accepted and the agreement will be reflected on my credit report as agreed settlement and not a voluntary repossession.

Business

Response:

Dear [redacted],

We have reviewed your submission to the Revdex.com and would like to address your concerns. We apologize for any delays you may have encountered attempting to get clarification on this issue.

Upon receiving your submission, we arranged for a member of our Customer Advocacy Team to contact you to assist with your concerns. We confirmed that they have updated your account status and credit bureau reporting (see attached). In addition, we confirmed that your title was released to you so that you may arrange for a salvage company to retrieve your vehicle.

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,

On behalf of Capital One

Review: I have an account with Capital One Spark Business. I explained to the customer service rep that because I was a teacher I would be unable to make payments over the summer months because I had no income over the summer. After my account was 3 months passed due they offered to place me into the "Specialty Assistance Program" for passed due accounts. I worked with the Specialty assistance program numerous times over the fall and winter months to try to bring my account current. I made partial payments when I could to let them know I was attampting to keep the credit line in good standing. On January 3, 2014 I was told if I paid $395 that the account would become current and return to good standing status. I set up automatic online billing with my bank so that I could continiue to make on time scheduled payments. The first payment was generated today Feb 3, 2014 for $100. I called today to see if Capital One received my payment and they said my line of credit was revoked back in October. Capital One failed to honor their agreement that enrolling in the specialty assistance program and paying $395 on January 3, 2014 would keep my account current and in good standing.Desired Settlement: This line of credit is currently in the temorary unusable status. I was informed that the line of credit will be suspended/revoked on February 9, 2013. I would like to for this line of credit to remain in good active standing as long as I continue to make scheduled monthly payments.

Business

Response:

Customer Name: [redacted]

Date: 2/11/2014

ER Associate: [redacted]

Our Case Number: [redacted]

Revdex.com Case ID: [redacted]

The customer sent a complaint to the Revdex.com in regards to unrestricting his account after making payments on it. After researching if the restriction could be removed, we were able to honor the customers request. We contacted the customer via telephone to inform him that we were able to honor his request and his account was now unrestricted. [redacted] was satisfied with our 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 would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].

Regards,

The cutoff time for payments for credit cards that have one is 8pm but capital one has it at 5pm to screw people over and make extra money by late fees knowing people work until 5 pm. This is very bad business

Review: I had an online savings account with Capital One in which I had setup an automatic wire transfer from my [redacted] checking account to my Capital One savings account. I decided to close my account in January of 2012 and I deactivated the recurring automatic wire transfers. In May 2013 the automatic wires suddenly started again without my authorization. I contacted Capital One and they informed me someone hacked into my online banking account. The shut down my online account and deactivated my account ensuring me that it would not occur again. The same issue happened again in June 2013. I contacted Capital One again and they told me someone had reversed the deactivation of the account without my permission. Everytime I call I speak to someone different and they keep telling me they fixed it. Capital One has not right to withdrawl money from my bank account without my permission and they seem to be unable to make the withdrawls stop.Desired Settlement: I would like Capital One to stop pulling money from my [redacted] account as the transactions are not authorized.

Business

Response:

I spoke with [redacted] today and was able to resolve all of her concerns regarding her online transfer that took place on her closed account. I was able to successfully cancel this going forward so her external bank will not be debit again and her account with us will be closed. I provided [redacted] my direct telephone number if she needed assistance going forward.

Thank you

Review: Capital One:

As I have written to you before, I did not incur this charge. The original charge was for $386.49. Even after I informed Capital One in writing that the charge was fraudulent, Capital One has chosen to continue to pursue the charge against me. Capital One has also attached subsequent charges bringing the total up to $417.46, even though I reported the charges as fraudulent prior to the accrual of any interest, late fee or penalty.

I am not paying this charge; not the principal, not the interest, not the penalty.

As I explained in my last letter, it has been fully 5 years since I used this Capital One credit card. In terms of consumer protection, it is completely unacceptable that Capital One would accept without question a charge against an account that had been dormant for 5 years. I feel confident that any jury would concur with that conclusion.

Further, since my Capital One account has not been in use for 5 years, I strongly suspect that the misuse of the account came from within Capital One. I do not see how else the credit card number could have been accessed. Again, this constitutes a breach of even the most basic consumer protection.

I am again asking you to cease and desist in harassing me about these charges that you in negligence accepted. I am distributing this second reply to certain consumer protection advocates, for their awareness. IfCapital One continues to harass me in this matter I will file formal grievances with consumer protection advocates.

Sincerely,

Cc: [redacted], [redacted]Desired Settlement: Unspecified

Business

Response:

Dear [redacted],

I'm reaching out in regards to your complaint to the Revdex.com. I would like to try to help you.

Before I can look into your concerns, I need to verify your information for security reasons. Please give me a call at [redacted] and provide me with the following:

Your name

Your current address

The last 10 digits of your account number

The last four digits of your Social Security Number

Your date of birth

If you prefer, you may mail this information to the address below, or fax it to [redacted].

Capital One

Richmond, VA [redacted]

Once I receive this information from you, I can check into this. If you have additional questions, please call me at [redacted]. I can be reached Monday through Friday between the hours of 11 a.m. to 7:30 p.m. ET.

Sincerely,

Office of Executive Resolutions

Capital One

Review: I applied for and was approved for the capitol one quick silver credit card. After 2 weeks of not receiving the card I contacted capitol one. We verified my address (at least I thought we did). I had them cancel that card and issue a new one. After 2 weeks of not receiving the card I contacted them again. We went through my address again. The representative, [redacted], said it must be a postal issue as they were sending the card to the correct address. I agreed to wait. I still didn't receive the card so I contacted them again. The rep ([redacted]) stated that they would overnight express it to me. He said they indeed had my correct address. I did not receive it so I looked up the tracking number\. They had the zip code incorrect. I called them. The rep accused me of changing my address and said I must have moved. The supervisor then stated that they sent it to the correct address. I had him look up the tracking number so he could see for himself they were wrong. I asked to speak to somebody higher and was told I could not. I have had problems with capitol one before and have been contacted by [redacted] in their corporate office.Desired Settlement: I want somebody from Capitol One's corporate office to call me. I have had a couple of credit cards now sent to incorrect addresses. The way I was treated was completely inappropriate. I would like my fees refunded.

Business

Response:

Dear [redacted]Your complaint to the Revdex.com was forwarded to the attention of the ExecutiveOffice for response concerning you not receiving a card for this account. Please allow me toaddress your concerns.I am taking this opportunity to apologize for your experience in getting a card sent to you for thisnew account. I want to assure you that we are committed to providing superior quality service toall of our customers. I regret this was not the case with your concern.As an established leader in the credit card industry, we take our commitment to servicing yourcredit needs seriously and make every effort to honor that commitment. Please know that yourfeedback was instrumental in helping us to identify an opportunity to strengthen our position ondelivery of service and that feedback has been provided appropriately.We show that we have since corrected your address of record to the address above, and haveissued a new card. If you have not yet received this card, please contact me at your earliestconvenience and I will be happy to assist you.We appreciate the opportunity to address your concerns. If you have any additional questions,you may contact me at [redacted] I can be reached Monday through Friday, from 8 a.m. to4 p.m. ET.Sincerely,[redacted]

Review: I applied for a credit card with capital one and got approved for 2 of them. After reading negative reviews about capital one and its SOOO MANYY SCAMS AND REPORTS I decided to NOT EVEN ACTIVATE the cards and to CANCEL THEM. I called and the rep told me that I had to send in my PERSONAl info to some office to close THIS IS NOT PROPER PROCEDURE I can cancel a card at ANY TIME and the remaining balance (if there is one, in this case not even activated) will be charged to me to be paid in full before closing. THIS IS RIDICULOUS she threatened and said they would affect my credit negatively. I HAVEN'T EVEN ACTIVATED THE CARD!!!!!!!Complaint concerns: a Credit CardDesired Settlement: CANCEL MY CARDS STOP THREATENING ME!!!!!!

Business

Response:

Dear [redacted],I’m reaching out to you about your concerns forwarded to the Revdex.com, regarding your request to close both of your accounts, the remaining balance, and information we reported to the [redacted] ([redacted]). We value your feedback and I’d like to share more information.We closed the accounts as you requested on December 4, 2014. The balance on both accounts is zero. When we restrict an account, we try to reach the customer for verification. If we can’t reach the customer, we decline all transactions and restrict the account until we know everything is OK. This means that each time you call in during the restriction period, your calls are forwarded to our Fraud Department.On September 11, 2014, you called us to activate your credit cards, and in order for our fraud agent to proceed with your request to close the account, verification documentation was requested from you. I confirmed that the information requested from you was correct. If you would like any additional information regarding the account, we would first need to receive the verification documentation we requested.We accurately reported one credit inquiry to the [redacted], like [redacted], [redacted], based on your submission for both credit card applications on August 7, 2014. This is why we are unable to remove this credit inquiry from your credit profile.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. I’m glad to help in any way I can.Sincerely, [redacted]

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: Capital One refuses to reimburse me for a Microsoft Office that I did not receive or use after filing a dispute.My complaint concerns: a Credit CardDesired Settlement: To be reimbursed for $69.99 for a the product I have not received or use.

Business

Response:

Dear [redacted],This is a follow-up to your request to the Revdex.com (Revdex.com) about a disputed [redacted] charge. Thank you for your patience while we resolved this. We apologize for any inconvenience this may have caused you. Please allow me the opportunity to address your concerns.We’ve exchanged several letters with you about a transaction for $69.99 that was billed to your account by [redacted] on August 5, 2015. In case it’s helpful, I’ve enclosed copies of those letters.After a review, we made a business decision to credit your account $69.99 for the disputed charge. You’ll see this credit on your November 2015 statement.I understand that you have requested no further contact from Capital One. We will cease contact on this account per your request. We will not be able to contact you to inform you of any special offers available to the account. When required by law, Capital One must still send statements and contact you about any legal action that may result from the unpaid debt. Capital One is willing to work with you to resolve your debt, and you may choose to contact us at any time regarding this account.If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m glad to help any way I can. Sincerely,[redacted] on behalf of Capital One

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 called the company on 10/30/13 A.M and asked for current offers. I was told there was a 0 percent interest and 0 percent transfer fee to borrow up to 20,000. I said that sounded too good to be true and asked her to repeat it three times. I repeated it back 3 times. Just so there would be no misunderstanding. She asked me if she could send the check and I asked her how long the offer was good for and she told me Dec. 31.I made a purchase of a private party for the purchase of the car where they wanted cash. When I called to get the check the same evening they told me there was so such offer. The gal I spoke to EID# was [redacted]. I asked to speak to a [redacted] and she told me there was nothing they could do. Her EID# is[redacted] her name was [redacted]. She told me fax a statement over to consumer affaires and ask for them to supena phone records. That it may or may not help. There were many parties involved in making the transaction to purchase this car. All the way from [redacted] to [redacted]. I may stand to loose the purchase of the car. Had I known this I could have gotten the car through a car dealer in [redacted]. and now have lost that opportunity. Finding another car after searching for 1 month and a half will not be an easy task. I will be paying at least 2-3 1000 dollars more now. I do not know what else I have could have done more right than to ask 3 times and this should be recorded.Desired Settlement: DesiredSettlementID: Other (requires explanation) I want Capital One to honor the so said agreement of 0 % interest on the money I would like to borrow for 1 year. With 0% transfer fee. Like on the phone recording says. I asked So your telling me if I pay this off within one year it will cost me nothing correct? The answer was yes. 3 Times.

Business

Response:

The customer called into Capital One to look at options to take a loan out against her credit card to buy a car. The agent advised her three

times that there was an offer to pay no interest on her loan for one year. When the customer called back to provide the amount required,

another agent said that they do not have an offer for a loan with 0% APR for one year.

• The decision was made to send a check to the customer for the requested amount. The customer will not incur any fees or

charges.

• We spoke to the customer on 11/20/2013, and told her the check is being processed and provided the terms and the time frames.

• The customer was very satisfied with our response.

Review: Due to difficult circumstances I was unable to fill my original agreement with Capital One. In speaking wth the company they offered a new settlemnt in which I agreed upon and a new agreeent was reached. The amount, terms and conditions were relayed both verbally and written. I abided by my portion of the terms in reguards to fulfilling the agreement however, they did not abide by their end of the agreement. The agreement reads as follows: " This (meaning the letter received) will confirm your agreement to pay, which will be considered as a full settlement on the above referenced account. As part of this agreement your account will be closed. Once all funds ( cashiers check was applied to account 9/18) clear bank and proceeds are applied to account it will be considered settled in full. The agreement terms were the account was to be fully settled within 10 days. from date of agreement which placed us at 10/2. To this date 3 weeks later I called customer service and they advised that the account still has a balance. I advised of new agreement made and accepted. At this time after account was reviewed and they were able to see I accepted settlement I was told the account balance and release of titles could take up to 60 days which differs from the new agreement.Desired Settlement: Release of my [redacted] titles

Business

Response:

Hi,

We have responded to the cardmember by mail on October 24, 2013. The matter has been resolved in the cardmembers favor.

Thank you,

[redacted].

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: Recently I have made a change to my mailing address for my Capital One Credit Card Accounts due to personal reasons I would rather not discuss at this time. I have called numerous times trying to have my account unlocked after entering the incorrect password many times to log into my online account to check my statements for both credit cards that are issued to me from Capital One. Each of the customer service representative I have spoken to had informed me that due to potential fraudulent activity on my account, I would have to send the Fraud Department at Capital One a copy of my Florida Driver License, a copy of my Social Security Card, and also a bank statement and a utility bill to verify my identity. I have changed my address from [redacted] about three weeks ago due to a dispute with the other person that I was living with and now we have come to terms and worked out the problems.My complaint concerns: a Credit CardDesired Settlement: My current address that i'm at is at [redacted] and I feel that I have provided enough information to verify my identity to have my account unlocked where I am able to make both of the payments on time where they are not late and where I will not incur any late charges. This situation needs to be resolved in a quick timely manner since I have a payment coming up in the next 7 to 10 days. If this matter is not resolved in a timely manner, I will have no choice where I will have to contact my Attorney and take legal action where a possible lawsuit may be coming your way. Please have this matter resolved ASAP!

Business

Response:

Dear [redacted], This letter is in follow-up to your Revdex.com request regarding the fraud restriction placed on your account. Thank you for your patience while I reviewed this. I’m sorry for any frustration or inconvenience this may have caused. On May 18, 2015, a restriction was placed on your account for security reasons. When you provided the documentation we requested for verification and security reasons, the address listed on your documents did not match the address we have on file. For this reason, additional verification documentation was requested from you. On June 23, 2015, our Fraud Department was able to verify your information and the restriction has been removed. At this time your account is ready for use. Currently the address on your account is [redacted] address. If you would like to update your address, please log in to your account at Capitalone.com and access the Personal Information tab. Once you do this, you can update the address online. If it is more convenient, you can also update your address with one of our customer service representatives by calling [redacted]. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: I have had the [redacted] charge card for several years and at least a couple times a year I do not receive a monthly bill in my e-mail (generally with subject line "Your [redacted] Charge Statement and Annual Privacy Notice Is Available Online"). I have complained to [redacted] charge several times about this issue and they seem to believe it is a problem with me or my email provider (which I do not believe). This has led to late fees and interest fees levied against my card as I did not know my bill was due.

The [redacted] charge representative seemed too confident in asserting the issue I'm having in not receiving billing statements via email is my problem. I asserted to the representative I pay my bills each month and never had had problems with other card's bill notification system as I have had with [redacted]. The customer service representative's tone and comments were not friendly at all.

I requested credit for both interest charges and late fees levied against my account. The customer service representative would only credit me late fee charges back to the card and refused to credit interest charges. In addition, I requested the [redacted] charge card representative to change my monthly billing notifications from e-mail to US mail to avoid any future problems with [redacted] charge notification system.Desired Settlement: I would like [redacted] to issue an apology and acknowledge they have an issue with their monthly billing notifications and will investigate. I am not the only person to have similar problems [redacted]).

I also request a full refund of interest charges levied on my card ($1.28). I have already paid this interest charge as I paid my card in full over the phone using EFT from my checking account as part of this incident.

Business

Response:

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted] 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 you did not receive your April 2015 electronic statement notification, resulting in you missing your April 2015 due date. You state this is an error caused by Kohl’s, and request that the interest charge on your account be refunded.As a courtesy to you, we have credited $1.28 in interest charges as requested. This credit will appear on your May 2015 billing statement.I researched your concerns and found that your electronic statement notifications are being issued to the email address [redacted] I also confirmed we have not experienced any issues with our electronic statement notification system that would result in you not receiving your notifications, and we have not received an undeliverable message when sending statements to your email address.To ensure timely delivery of your [redacted] notifications, please make sure you add [redacted] to your contacts. Some email providers may flag our emails as spam or junk mail. Additionally, please keep in mind that your statement is not sent via email, but rather posted to your My [redacted] Charge account online. The email is only a notice that your statement is available for viewing. We have no record of your request to be removed from paperless statements.Mr. [redacted], we look forward to serving your needs in the future. If you have any further questions, please do not hesitate to contact me directly at [redacted]My Regards,

Consumer

Response:

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

Regards,

Review: I have been a Capital One customer for almost 5 years now. I have two checking accounts, 2 credit cards, and an auto loan through capital one.

I was charged overdraft fees 4 ( $35 x 4=$140 ) times in one day on 08-23-2013, even after I transferred money instantly from my other account before the business day even ended. According to my bank statement, the account balance did NOT fall below $0.

I had also transferred money immediately into the account from a different Capital One bank when I saw the "Pending" transactions. I do not understand y capital one would let the three charges go through just so they can collect over daft fees after the first transaction had already been declined.

This is completely on ethical, my entire family uses Capital One for their banking, and this is the last thing I expected from them.

This is the same type of overdraft fees that ended up in class action lawsuit involving banks like [redacted] and [redacted]. I would hate to see Capital One go through the same thing because I do enjoy the customer service muchDesired Settlement: All I want is that I be credited that $140 dollars that was charged in fees.

Business

Response:

October 18, 2013

Re: Revdex.com Case ID: [redacted]

Dear [redacted],

We are writing in response to the complaint that you filed with the Revdex.com regarding your personal checking account ending in [redacted]. We understand that you are upset that certain pre-authorized transactions posted to your account and as a result overdraft fees were assessed. You now request that we refund four overdraft fees to your account. We value your feedback and hope to address your concerns.

We reviewed your account, and our records show that you have opted into overdraft service for automatic bill payments, checks and other transactions made using your checking account number. If you would like to change the overdraft service on your account to Consider None, you may visit your local branch, make the change via our online banking service or via by calling our Customer Service Center.

Research confirmed that on August 23, 2013, four automatic debits to [redacted] were paid from your account against insufficient funds. As a result four overdraft fees were assessed to your account. The fees were assessed in accordance with our Rules Governing Deposit Accounts.

We regret any confusion or frustration this matter has caused you, but, in light of the above, we respectfully decline your request to have the fees refunded.

Thank you for choosing Capital One Bank to meet your financial needs. We value your relationship and look forward to be of continued service. If you have any additional questions or concerns, please feel free to contact me at [redacted] Ext.[redacted]. I am happy to help any way that I can.

Sincerely,

Capital One Bank

Review: We submitted $200.00 to acquire a secured credit card through Capitol One on the advice of our attorney. Our account was closed due to an unfortunate bankruptcy in October of 2012. The bankruptcy was discharged in October of 2013 and yet Capitol One has not refunded our $200.00 security deposit. We have made phone call after phone call and spoken to numerous account reps and Senior Account Reps. At one point we were promised the refund within 5 business days. That did not happen and we are still waiting for our money a year and a half after our account was closed.Desired Settlement: DesiredSettlementID: Refund

We would like our security deposit of $200 refunded immediately.

Business

Response:

Our customer is concerned about not receiving his security deposit back on the secured card he closed in October 2013. Spoke with the customer; he advised that he has already received the refund and that this issue has been already been resolved.