Capital One Financial Corporation

I have had more problems with capital one than with any other credit card company. Now many of their practices are great. However many are not. My husband and I try to pay our credit cards a couple times per month. Capital one tries to negate the practice of paying down credit cards. They put unnecessary holds on available credit if you make multiple payments per month or if you are late (about a week) . Then they make you call to have the funds made available and will talk to an authorized user about everything but then will make the primary call to make it more difficult saying that their practices forbid talking to an authorized user. (WHAT) What a waste of time and completely untrue. Customer service also each share different information. They are inconsistent and it is clear that the customer service agents are from out of country making it harder to communicate. When you ask them about their practices they just say " its policy" but when you ask why they say "because its policy". There are no reasons for doing what they do, they say that it is to give time for the funds to clear the bank but it is clear that the funds have transferred because transfers only take a day at each bank. There would also be no reason to have to wait. Most credit cards give you the money right away and do not make you wait a week.

Revdex.com:
There was no offer I don't understand why they cannot reply to this as well as the attorney general as I am not quite sure how much he can actually help me. I have...

received nothing from the attorney general so I am not sure if my case is going thru there or not. 
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Dear [redacted] 
I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding an account upgrade and the Annual Membership Fee ([redacted]) billed to your account.  Verdana; font-size: 11px;">Our goal is to provide the highest level of quality service to all of our customers. We’re sorry to hear that the service you received did not meet your expectations. In your concerns, you stated that you were advised during a phone interaction that your account would not be charged an [redacted] after being upgraded in 2014. We were unable to find any calls where you were provided the information you stated in your complaint. Our records show that on August 14, 2014, your account was upgraded to the Quicksilver One Cash Rewards Card which gave you the ability to learn [redacted]% cash back on purchases. During this upgrade, the original terms and conditions of the account remained the same, including the $[redacted]. I apologize for any confusion that this may have caused. I’ve also confirmed that since your account upgrade, each [redacted] that was charged to your account has been credited to your account and your account has been closed per your request as of October 23, 2016. I have enclosed a copy of the confirmation letter for your records. If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 9 a.m.-6 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can. Sincerely,Judith R[redacted], on behalf of Capital One Enclosure cc: Revdex.com © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.

[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.]
Revdex.com:
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,
[redacted]

[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.]
Better Business...

Bureau:
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,
[redacted]

[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.]
Revdex.com:
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,
[redacted]
I have the money order stup from [redacted] showing they cashed it that's why they paid me thank you for your help

Dear [redacted],This letter is in follow-up to our phone conversation, and the concerns that you shared with the Revdex.com (Revdex.com), regarding the information we’ve reported to...

the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. Our goal is to provide excellent customer service at all times. I’m sorry for any frustration that this may have caused you. I’d like to share more information about this with you.Although we found no error in the way we were reporting your account to the CRAs, we made the decision to remove the past due payment history from your credit file as requested. A request has been submitted to the CRAs to update the over 30 days past due reporting for October 2016. The reference number for this request is AUD [redacted]. It may take up to 60 days for the CRAs to update their records.We show that the new balance on your August 2016 billing statement was $[redacted], with a minimum payment due for $[redacted] on September 16, 2016. We did not receive your minimum monthly payment by the due date. We did not receive your required minimum monthly payment for your September 2016 and October 2016 billing cycles. We did receive a payment for $[redacted] on September 22, 2016. This partial payment did not bring the account current. The account was still past due for $[redacted], since the minimum payment due by October 16, 2016, was $[redacted]. On October 21, 2016, we received a payment for $[redacted], and another payment for $[redacted] on November 10, 2016, bringing the account current. I have enclosed the August 2016-November 2016 billing statements for your review.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any additional questions or concerns, please call me at 800-955-1455, Monday-Friday from 8 a.m.-4:30 p.m. PT. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can.Sincerely,Cathy M[redacted], on behalf of Capital One

Dear [redacted], This letter is in response to the complaint filed with the Revdex.com about your request for reinstatement of your account. I am glad to share more information regarding the status of this account. Per your request, we have...

reinstated your account as of February 25, 2015. If you have additional questions, please give me a call at [redacted], I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m happy to help any way I can. Sincerely, [redacted], on behalf of Capital One

Revdex.com:
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

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.

I had an auto loan with this bank. I ended up unemployed to a lengthy period of time and the offered me their unemployment benefit. In trying to get enrolled in that I was given the run around about how they needed a letter from my former employer. My former employer had gone out of business. I offered to send them a copy of my unemployment claim from the state and they would not take that stating they needed a letter from my former employer. When I offered that they the state would send them a official copy of my unemployment claim directly from the state they still said they needed a letter from my former employer already knowing that my former employer had gone under. Eventually I ended up employed again and asked if I could refinance the loan of my car being as though I was behind, so that I could try to pay extra on my loan to catch up. They asked for my most recent pay stubs. After they received them, I received a phone call later stating that they would not be able to assist me in refinancing because I "make too much money". This company went above and beyond in their effort not to help, or even allow me to get back on track. I would advise anyone to stay far away from this institution.

[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.]
Better Business...

Bureau:
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,
[redacted]

Capital One just rejected a plane tickets purchase for $1.25! Am I joking? No my friends, sadly, I am serious. Even after I called them and they agreed that I had always paid on time and well over the minimum payment, they would not budge. Sorry mom, I guess I won't see you this year! I closed my account immediately and you should too. These are completely unreasonable policies. If you are considering opening a new line of credit, I'd go with [redacted]. They have always been fair and reasonable.

Revdex.com:
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,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***
Hello, I have submitted a complaint against Capital One for this same reason in the past and received a letter from Capital One stating they had resolved the issue and it would not happen again. Yet it continues to happen. I primarily use my American Express Card and on that account I have additional cards. I use to work for *** *** so I added additional cards so I could help others add additional cards. So I added *** *** to my account, which is my first and middle name with my last name missing. Some how Capital One got info from ***, which is highly upsetting in my opinion. I still get card offers from Capital one in the name of *** ***Capital One please take me off your solicitation list. I kindly ask you to do this. If you need to call me to obtain my information so you may complete this request please feel free to call me.

[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.]
Revdex.com:
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,
[redacted]

Revdex.com:
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.Capital One says that, "respectfully," they decline any offer of compensation. This means that the approximately 25 hours I devoted to this issue, over the course of 7 weeks, due mainly to the fact that Capital One is understaffed, ill-run, and keeps callers on hold for in excess of 45 minutes each time, will not be compensated. They are also not compensating me for the hours and weeks of intense frustration I experienced while trying to deal with them--over issues that were entirely their fault. 
I find their response wholly unsatisfactory. Even if I were to be paid only minimum wage in the lowest-paying state of the country for the hours I lost dealing (or attempting to deal) with Capital One, this would still add up to a minimum of $130. 
Regards,
[redacted]

Revdex.com:
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Capital One is a joke and even after they sell your car you are still expected to pay them the original amount so they profit 100%.

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted], I’m following up with your regarding your Revdex.com complaint about your concerns with fraudulent transactions made to...

your account. Our records show on November 4, 2014, you identified fraudulent transactions from [redacted] for a total of $618.42. The merchant credited back $284.58 on November 5, 2014, and Capital One credited the difference of $333.84 on November 6, 2014, pending an investigation. The merchant presented a claim that they issued credits for the additional transactions of $284.58, and on December 15, 2014, and January 24, 2015, we removed our credits and reapplied the amount to your balance. However, on February 9, 2015, because the merchant did not issue the credits as advised we credited your account for the [redacted] transactions totaling $284.58. We also credited an overlimit fee of $39.00. These credits will appear on your February 2015 billing statement. If you have additional questions, please call me at 800-955-1455. I am available Monday through Friday, from 8 a.m. to 5 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One