Capital One Financial Corporation

Review: Last year I paid off the card with a note telling them to close the account. I already had problems signing in to the account so I could not pay online but no one answered the emails when I asked for help with that so I paid it off by mail. I have sent several emails and written on almost every statement they sent and returned it telling them the account was supposed to be closed and requested they remove the fees back to that date. I am still getting bills for their annual fee that went on the card after it was paid off and I requested the account be closed. Recently I got two letters the same day. One said they could not close the account by written request, the other said it was closed. I am still getting statements along with letters saying I am approved for their card. They still did not remove the annual card charges and late fees for that charge back to the date it was requested closed.Complaint concerns: a Credit CardDesired Settlement: Remove all charges back to the date the card was paid off and make sure the account is closed. If a credit bureau has been contacted, contact them again and remove any complaint.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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 a capital one cc. I had an ongoing dispute with [redacted] network about a early termination fee. Started service with [redacted] in Oct 2014 and cancelled in Jan 2015. I was on auto pay with [redacted] with a [redacted] card from chase. March 5th had a charge on my capital one card from [redacted] network of 317.47. Called Cap one and disputed the charge. Cap one took the charge off and and [redacted] had 45 days to reply and reissue charge which they did. [redacted] provided paperwork but did not provide a payment history. They just provided the March 5th charge. I sent by email to Cap One my bank statement on the payment history that [redacted] was taking out payments from my [redacted]. Cap one decided to close the account stating that they needed a bank statement from me on when I payed this charge from [redacted]. I've been disputed [redacted] because they never sent me a bill for the remainding balance due for equipment fee. Called them several times no reponse. [redacted] claims I gave them my Cap one card for payment and this is not the case and I did not authorize them to use this card. I don't know how they ever got this card number. Cap one representative states that merchants can find these cards and then charge them If you go back to the phone call recording on April 7th 2015 you will see what she says. I don't know why Cap one states that I have to pay this charge and show with bank statement proof before they will consider taking this charge off my Cap One Card. This is fraud I and my husband told Cap One Rep and theft. This means that my credit card from Cap One is not secure and anyone can get it and charge what they want and when I go to dispute the charge Cap One will give an explanation that merchants can do this. So really there is no fraud protection for the consumer by Cap One. I am so dissapointed with Capital One and will not be using their services in the future.Complaint concerns: a Credit CardDesired Settlement: I don't expect an outcome from this when your dealing with a big corporation. The little guy always gets screwed.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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: Current Annual Fee on Credit Card is 9% of the credit limit. This is excessive. I attempted to have the fee waived and account cancelled OR fee reduced. Capital One refused. It is impossible to pay down debt with an excessive fee like this.Complaint concerns: a Credit CardDesired Settlement: I would like the Annual Fee waived or dropped. I would be happy to pay a reduced fee that is fair.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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. Thank you very much!

Regards,

Review: Capital One started sending me credit offers back in October of 2014. I called the opt out number and gave my information to be taken off their mailing list. They still persisted in sending me offers. I have opted out at least four times now to no avail. I even called them directly on January 15th and spoke to two different CSRs, explaining to them that I had opted out starting back in October of 2014, and I didn't appreciate them continuing to send me offers when I am on SSDI and have no use for a credit card. I told them I wanted them to stop immediately, and that if they persisted I would consider it harassment because it is. I was assured that my claim would be escalated and that the offers would cease, but today I received another one in the mail. They obviously have no intention of honoring their word to me, and I am at my wits' end about this. I am not interested in a credit card, and cannot afford one anyhow being on SSDI. I don't know how they got my information considering I haven't applied for credit through anyone at all, and I really, really don't appreciate them spamming me with their offers. I just want them to stop harassing me.Complaint concerns: OtherDesired Settlement: I am hoping that you will be able to put it in terms that Capital One will understand, and that they will never send me another pre-approved credit offer because I am sick to death of them. If they keep on, I will see about contacting my lawyer that I used for disability, and see if they can assist me with this or point me in the direction of someone who can. It's not right that a company should harass someone who has done the right thing, jumped through the hoops to be taken off of their mailing list.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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.

I have attempted to get them to stop sending me offers many times now. I used their opt-out hotline starting in October of 2014, and in January I finally called them directly and spoke to two different agents who assured me they would escalate my problem and all communications would cease. They have not ceased still. I am still getting letters from Capital One. I do not understand why this company cannot just erase all of my information from their system which, to my way of thinking, would eradicate any future offers from being sent out. Really, I have dealt with receiving junk mail in the past and one phone call was enough to stop the solicitation. That is not the case with Capital One however, and I am not the only person they are harassing by mail. I do consider this to be harassment at this point as I have repeatedly tried to get them to end the unwanted solicitations. I am a woman on disability - just what do I need with a credit card? I can barely make ends meet as it is. I am going to enclose what they offered me, which really was nothing at all. As I said, I have been dealing with this company since last year and I am still to this day getting unwanted offers from them even after filing this complaint. How hard can it possibly be to stop sending someone unwanted offers? Why, after fighting with them for months now, are they continuing to send me unwanted offers and claiming they cannot expedite the process when the agent that I last spoke with assured me it would be expedited and stopped? I am obviously being lied to here.

Regards,

Review: On November 18th, 2014, I submitted to my bank ([redacted]) a Capital One cashiers check in the amount of $2,000 which I received from a third party. On November 24th, due to my own research, I became aware that the check may have been associated with fraudulent activity. Upon contacting Capitol One, they admitted there had been hacking in their system and the check was fraudulent. I received the check for goods that I was selling privately and was unaware that I was being scammed. The representative at CapitaI One made no mention of any attempt to flag the line of fraudulent cashiers checks, warn consumers, or resolve the issue. Between two financial institutions, the check was cleared and I lost $2,000. I did my duty reporting it to my bank in [redacted], North Carolina. In reference to the scam, I contacted the local police department and have followed the complaint up my chain of command in the [redacted]. It has been well documented. I am a [redacted] in the [redacted], I've served 4 deployments, my wife and I are expecting our first child and both of our savings accounts were drained right before Christmas with absolutely no accountability on Capital One's part. We are not responsible for the inadequacies of Capital One or the fraud associated with the cashiers check we received and we were not given a fair resolution.Complaint concerns: OtherDesired Settlement: I would like my $2,000 to be returned to me with an explanation in reference to the failure to warn consumers and stop them from being victims of fraud.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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 an accurate portrayal of conversation events. There is no resolution offered and no responsibility accepted. Therefore, this response is painfully inadequate. Customers deserve to know how Capital One responds when events like this occur, my complaint stands.

Regards,

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

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: This is stated to have been a credit card which I never had ever used. this account does not and has never belonged to me! this company opened up an account for someone and now wants me to pay for their error. [redacted].... $709. per credit reports reporting to all three bureaus. They have also sold this account to portfolio recovery knowing that it is not mine and in dispute not letting them know of this! Portfolio has all new information new account numbers, dates, balance etc... this is not and has never been my account. They do not own so they should recall or remove their tradeline from all three of my credit report.My complaint concerns: OtherDesired Settlement: removal of account [redacted]... from my credit report

or

proof of all credits, debits, ids used to open all information available

they have also sold this account to portfolio recovery knowing that it is not mine and in dispute not letting them know of this! ALONG WITH A GREAT BIG APOLOGY

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: disputed a fraudulent charge by [redacted] and they re billed me and capital one told me they would send me mail asking m e for documentation and what the vendor said so I can dispute it, they never sent anything and called them shortly after labor day just to be told im supposed to send all the documentation by the 8th and they would resend the mail out to me and said it would take 10-15 business days which wouldn't help me with the due date and refused to push it back and then claimed to say I would get it in the mail on the 5th or 6th which I haven't and now im forced to pay the fraudulent charge to keep my credit score high, despite the fact I can prove its a fake charge.Desired Settlement: full refund of $415.27

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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.

I was assured I would get the required documentation by September 5th or 6th in the mail, not September 111th which is 3 days after the due date to send in required documentation/. how is it my fault I was a victim of fraud not only by [redacted] but my own credit card company? not to mention their actions breached a contract with me by the dates I was told as to when I would see the paper work, not to mention this is negligence on their behalf. not even my signature with dish network and have solid proof to dispute it.

Regards,

Review: Per an error on the bank's behalf and none of my own when a check was cashed from my account with an incorrect amount they came back over a MONTH later and deducted more money from my account. They did not notify me prior to doing this or even notify me of the error that was made. In doing so they have caused me multiple late fees and returned payments. I also am going to have to miss work as my daycare payment was returned.My complaint concerns: a Banking Account (Checking)Desired Settlement: I want any and all late fees credited back to my account. I would also like to be contacted by someone from the company ASAP.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I reviewed the banks website on how to handle a 3rd Party check deposit and saw that as long as the payee, my daughter endorsed the check that I could then deposit it in my account. I made the deposit at the ATM on May 15,2016 and on May 17, 2016 the deposit was adjusted out of my account. I contacted Capital One and was informed first that it was a Federal law that 3rd Party checks could not be accepted. I then inform the customer service rep that the Capital One website shows the proper way to handle a 3rd Party check and then I was told that it was a bank policy not a Federal law not to accept them. I still cited the Q&A section on the website. Then the representative informs me that the website is wrong and that information needs to be taken down. The most recent Q&A was from April 26, 2016 which answers the question about can I deposit a check written to my son in my account yes as long as it has been endorsed to you.

Now I have deposited the check and subsequently wrote a check for my daughters rent who is in Phoenix, I am in Houston and all I wanted was to have the adjustment cancelled and the funds made available. I was then given a case number and a promise that someone would call me before 5pm CST this was at 10:38 CST. At 5:15 CST I started the compliant process and saw the number to call to resolve issues before posting a compliant and the rep was very cordial however was not able to resolve this issue. It is now 5:31 and I had not received a call another example of Capital One not caring about me. This representative checks my case and provides me with the [redacted] tracking number and informs me that it will be delivered by 8:00 pm May 18,2016. Not only did Capital One not rectify the issue that was created by their website but they did not even pay the little extra to have the check returned to me via Overnight Priority again showing that they care about what is in their pocket not was is in our wallet.My complaint concerns: a Banking Account (Checking)Desired Settlement: I want a management level person to contact me and explain to me why they do not care about their customers. Not a customer service robot or a team lead but someone higher up that can affect change because this is not how you treat a customer that has been with you over ten years.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: Applied for an auto loan on their website becuase of the low rate and had to withdraw my application because the purchase amount was low.My complaint concerns: an Auto LoanDesired Settlement: I would like them to remove that credit inquiry from my credit report. If I would have known that the credit limit was lower than my purchase price I would have used another financial institution. The credit limit was not advertised during the credit process.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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.

Review: I have a statement balance of $729.37, a minimum payment of $189.00 and payment due date is: July 1st, 2015.

There were several fraudulent charges posted to the account and I immediately spoke to the fraud department five different times. I was informed that they were suppose to send me dispute forms being that I did not recognize the charges that were posted to the account.

Since March 1st, 2015, I have not received any dispute forms and claimed to be 5 months behind in payments.My complaint concerns: a Credit CardDesired Settlement: I am kindly asking for necessary dispute forms to be sent to me ASAP because as of now, I have a bad credit score due to this inconvenience. Also, to report to the credit bureau that the charges on the account were reported as fraud and to eliminate the current delinquency on my credit report. Want refund.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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 do not accept the offer made by the business because [redacted] did not specify whether or not the account is still opened as of today or the account has been closed. Another thing, if the balance is eliminated from the account?

Regards,

Review: I applied for an auto loan on November 5 2013. They received all of my information and congratulated me on receiving the loan they approved me for. They stated it would be for no less than $7500 to no more than $12000 at an 18.1% apr. The blank check was in the mail a few days later then I received it they said I could start shopping for my new car. So I did and found one the time of purchase the dealership stated I needed to put money down. I put down a total $1252 down at the dealership and made the check out for the remaining. The finance manager called capital one to verify and they stated everything was good to go. A few days later I get a call from the dealership stating the declined the check that they said it was not for the right amount. I then spoke to [redacted] at capital one where he then told me that I had to put down another 160and that I could only write out the check for 9707.50. I proceeded to go back to the dealership to put down an additional $172.00 to make the blank check from capital one an even $9700. About a week or two later I get a call from [redacted] stating they needed to speak with me about some paperwork he j ist received. Tried calling him back no answer. Then I receive this letter in the mail stating that they will not approve me for financing any longer. They knew my information before approving me and now that it was official and I was ready to make my first payment to them they denied me.Desired Settlement: I would like them to keep their word on getting me financed for my vehicle. It is my responsibility to make those payments on time everytime till my car is paid off.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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: A few weeks ago, I filed a complaint toward Capital One. I have sent them several letters asking them to remove ALL MISSED PAYMENTS on the account. I filed a complaint with the Revdex.com but I haven't heard back. So I am filing again. I have contacted my attorney as well and he is on stand by. I have sent them several letters stating that the reason I had so many missed payments was because I was taking care of my grandmother and working a full time job-it was a lot going on. I am now trying to buy a house so that She can move in with me and I can further my care to her. This negative remark is hindering me from doing so. I have already contacted my attorney and we are ready to push forward with this. But I don't know if my first complaint got pushed out of the way or what, but I have not seen anything or heard anything from the Revdex.com OR Capital 1. Please direct this to the appropriate person so I can get this underwayDesired Settlement: Capital one remove ALL MISSED PAYMENTS on all three reports. And have a letter sent to me saying that it has been done.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

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 be consulting my attorney on this because its doesn't matter if the information is true or not. I have an legit cause for being late and I will not accept NO at this time or any other time. I will contact him this afternoon and I will send his letter as soon as I get it.

Regards, [redacted]

Review: I now reside in Wisconsin which is out of Capital One's footprint. I have made four phone calls to Capital One to attempt to redeem a certificate of deposit. I was (apparently) misdirected on the first three phone calls. The final phone call, Carla at the West Creek branch informed me that my only option to redeeming the CD was to write a letter, have it notarized and mail it to her. I offered to fax my ID to the branch but Carla refused. When pressed, Carla gave me the "option" of emailing the notarized letter to her. Capital One, as an international company, must have better processes in place for servicing out of footprint clients. They are essentially holding my money hostage.My complaint concerns: a Banking Account (Certificate of Deposit)Desired Settlement: I want Capital One to redeem my CD and mail me a check.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: When I originally signed up with Capital One they did not charge me an annual fee. Years later they started with an annual fee and will not explain why. I've gone back and forth with them for a few years and they will not provide me with a signed copy of the ORIGINAL agreement. They simply point me to their online service that sends me an updated copy of the document, which they have changed since sign up. They beat around the bush and keep pushing that they will provide a copy of the agreement, but I specifically ask for the ORIGINAL and they will not provide. I have been paying this for years and am fed up with them not giving me what I am asking for.Desired Settlement: A Refund for every month that I paid the annual fee which I never agreed to pay on the original agreement. I would like a copy of the ORIGINAL agreement that has my signature on it. I would also like copies of EVERY statement since the date I opened the account.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I have had a credit account with this company through[redacted], apparently they were bought by Capital One and my account was past due, so they automatically closed it (Capital One) I recieved no notification in the change of companies and NO notification that my card was going to be closed. I would have taken any action needed (payment, etc) to keep the account open. It would still be open if I was still with[redacted], they dont close for past due issues. I think I was owed some type of written notification of both the change in companies and the closing of my account. I had put a very large payment of around $700 and have been current.Desired Settlement: I would like to have my account reopened.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: My car, which was paid for in cash, was taken by Capitol One because they erroneously put a lein on the vehicle. I have never been a Capitol One customer. I have the title to the vehicle but they took my property and it took over a week to get the vehicle back from them.My complaint concerns: OtherDesired Settlement: I want to get reimbursed for the expenses I incurred in trying to get my car back from Capitol One and the time and effort my wife and I have expended in doing so.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: The company changed my billing and payment cycle due dates when they closed my account due to fraudulent charges, and did not communicate this change to me. Upon discvoering it Sept 8th (after my statement should have run on the 5th) they stated that they changed it to the 23rd (with a payment date of the 20th)when they issued the new card, and that should have been explained to me (it wasn't). I reqeusted that it be changed back to my original dates which I selected because of my pay cycle. They said that I could go on line and change it if I'd like, hardly customer service. I did, and the payment date (the date by which they need their money) changed successfully to the 4th. Let's be clear - this means they have 7 weeks to record my charges, and gives me from the 23rd to the 4th to pay it. The cycle end date (which was indicated on the online service would be the 7th) did NOT change, and my statement has still not run. I requested that they change it (again) back to the 4th (payment date) and the 7th (cycle end date), and they stated that they would do so, but that it would take 2 billing cycles and that this one would still not run until the 23rd. In addition to not describing the change initially, or correcting it, they state that their system can't be changed. What's interesting is that the payment date changed immediately with no problem - the date that affects them. The client's preferred date takes 2 months. They are eager to cancel the card when someone is charging money they know they'll have to reimburse on behalf of the client, but when it's the clients money, they are unable to "override the system." This is disappoining, my experience with Capital One has been a good one until this point, probably because I diligently pay my bill and haven't needed their assistance.Desired Settlement: I'd like the cycle changed as quickly as possible, back to my original request of the payment due date of the 4th and the cycle end date of the 7th. In addition, I'd like a financial credit to my card for the inconvenience of having had to contact the organization 3 times for the same request, and for the financial burden that will be caused by having a nearly 7 week charge cycle.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.