Capital One Financial Corporation

Review: I have been disputing a charge with Capital One for 7 months now. The charge is from a website development company called [redacted]. [redacted] delivered an inferior product and has proven to be very difficult to work with. [redacted] is a hidden company with no office, and has proven difficult to contact. I worked with Capital One disputing the charge stating [redacted] has delivered a poor product and not been available for support or fulfilling their obligations in developing a web based business. Capital One refuses to acknowledge the poor business practices of [redacted] and continues to levy the charge of $3500.00 against me. We have delivered letters and responses to Capital One regarding our exchange with [redacted] and Capital claims to loose paperwork and does not acknowledge our feedback.

I have been a victim of elderly financial abuse and have been sold this product from [redacted] that is of no use to a person of my age and technical skill set.My complaint concerns: a Credit CardDesired Settlement: We request that Capital One cancel the charges from [redacted] against us.

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.

[redacted] was sold a website by [redacted] that does not function. The following facts about [redacted] shows they are a disreputable company. Capital One is choosing to ignore these facts and continue to support [redacted] in their charging for an inferior product:on

all documentation from [redacted] to Capital One, there are no

names or signatures from anyone in the company. The documentation was printed

all on blank pieces of paper with no business letterhead.They charged $700 per webpage they developed for Mom. This is extremely high. There are 5 pages for [redacted]. There is a transitions to [redacted]

which is a prepackaged website for distributors. Moms website is

selling Longevity products, here is the statement from longevity: The paperwork stated that my mom bought the website “[redacted]”. This website is a storefront for [redacted] products. I called [redacted] ([redacted], Customer Support [redacted]

account [redacted]) and they said that did not have and had never had

any affiliation with [redacted]. I asked what they charged for

a “distributor” website and they said $25.00. I asked about my mom’s

status, they said that she was a distributor and there had been no

activity, no purchases, and no logins to her account. There has been no

e-commerce on [redacted].

[redacted] stated that they do not work or partner with Innovative

Designs - for distributor websites they provide their own web

development service. In

our efforts to find [redacted], the only piece of information

regarding [redacted] identity was their address ([redacted]) on one of the papers delivered to us

by Capital One. The address was that of a “suite” in [redacted]. There

was no business attached to the address in a [redacted] search. There was

no phone number attached to the address in a [redacted] search. I finally

called the building manager ([redacted]) and she explained that they were actually a mail forwarding service and not an office. She gave me the contact [redacted])

that was paying for the service. I called that contact and got no

answer or voicemail. The building manager then pointed me to the

website and I called the 866 number on the website. The person

answered the phone with “hello” (“[redacted] was not mentioned), I

asked if this was [redacted] and she said “yes.” I began a

discussion with her that later led to speaking with the person dealing

with the charge back. All of these events and the lack of letterhead or

names in the documents from Innovative Design provided to us by Capital

One, make the credibility of [redacted] suspect.

Review: Capital one did not notify me or inform me that a debt had been forgiven. They never once notified through official letter head nor did they notify me through the five years of the age of the debt since shortly after default. And now they want me to pay taxes on this debt which is completely absurd. The only sent me the tax document and there was no reason as to why they forgave the debt. The dollar amount wasn’t even accurate as the debt was a different amount per my credit report. And further more they kept the account information open so that when I opened other accounts with them it interfered with my log in credentials as they kept the old credentials. Not only that I have filed my taxes already and may get in trouble with the IRS simply because capital one wants to cause me more hardship. I spoke with them this morning and spoke to a lady she advised me to get a tax account I explained to her that they cost money and why I should have to pay for one on top of already having to deal with the Irs. I also explained to her that this supposed income I have to report was accessible to me in 2011 which was the original time of default not in 2015 so why should I have to report 2011 income if you can really say it was income on a 2015 tax return. She then proceeded to put me on hold in which I hung up. I do not need to deal with this it’s their problem not mine and the fact that there was never any communication within the 5 year frame of time to the verify the debt, or to inform me if the debt was sold off or not is their problem. I had assumed that they sold it off to a collection agency as this debt was so old but never once received any communication during that time. Capital one has now caused me a major headache and they need to fix this now!!!!My complaint concerns: a Credit CardDesired Settlement: Capital one needs to handle this matter I am not paying one cent on this and am not going to have to miss work or take any additional time to resolve this matter

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.

First off I have had to sit here for three weeks Because capital one never did send any documents until I mention it in the complaint they law firm never once try to contact me via mail nor did I have any idea why the debt was discharged. AND CAPITAL ONE HAS TO UNDERSTAND THAT NOW THAT IT TOOK THEM MORE THAN 3 WEEKS TO PROCESS THIS COMPLAINT AND IN THAT TIME ANY TAXES THAT NEED TO BE PAID HAD TO BE PAID ON THE 18TH BECAUSE CAPITAL ONE TOOK SO LONG I AM NOW I AM LATE AND WILL BE CHARGED ADDITION PENALTIES AON UN PAID TAXES. DOES CAPITAL ONE UNDER STAND THAT MY MOTHER DIED DOES CAPITAL ONE UNDER STAND THAT I HAD CONSIDERED TAKING MY LIFE TWO YEARS AGO WHEN I WAS DEALING WITH ALL OF THIS IN 2014 I WAS ADMITTED TO A PSYCHIATRIC HOSPITAL UPC IN 2014 WHEN SEVERAL POLICE OFFICERS CAME OVER TO DO A WELLNESS CHECK. I HAVE WORKED VERY HARD TO GET ON WITH MY LIFE BUT FOR FIVE YEARS I HAD TO HAVE THIS HANGING OVER MY HEAD AND NOW I HAVE TO DEAL WITH THIS ITS ABSURD. AND ALL THAT LADY OVER THE PHONE SAID IS I NEED TO CONTACT A TAX ACCOUNT. WHAT NERVE DOES SHE HAVE WHEN I NOW HAVE TO TAKE MORE TIME MORE ENERGY TO DEAL WITH THIS AFTER EVERY TYHING I HAVE BEEN THROUGH SHAME ON CAPIT ONE SHAME ON THEM YOU HELD THIS UP YOU TOOK MY TIME THAT I COULD HAVE HAD TO RESOLVE THIS NOW NO MORE HARD SHIP I CABNT TAKE WHAT CAPITAL ONE HAS DONE AND THEY NEED TO RESOLVE THIS MATER IF I HAVE TO FILE THIS COMPLAINT WITH THE ATTORNEY GENERALS OFF IF I HAVE TO SUE THAN THAT IS WHAT I WILL DO BECAUSE I SIMPLY CANNOT GO THROUGH ANYMORE HARDF SHIP BECAUSE OF CAPITAL ONE.

Regards,

Review: I have tried unsuccessfully to request that Capitalone negotiate with me a reduced buy out of the current balance # [redacted] to no avail. over the last two years or so I have avoided having to pursue a path through bankruptcy. Other than my home mortgage this is the only major liability and its (unsecured) debt I have in place and would like to eliminate from my credit report.

To date Capitalone is not willing to work with my on this process but to continue to charge significantly high...mafia level type of interest rates.My complaint concerns: a Credit CardDesired Settlement: I would like to either have a credit line re-instated or a reduced pay off level so I can continue to repair my credit plus not pay the high interest rates especially with no resultant positive outcome.

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

This is an on-going attempt to collect significant interest from me since I do pay the balance on time. The response is completely unsatisfactory. Please make sure my complaint shows up in the Revdex.com ratings.

Review: I HAVE BEEN BLESSED WITH AN OPPORTUNITY TO MOVE TO JAPAN FOR A NEW JOB. I CURRENTLY HAVE AN AUTO LOAN SET AT 14560 IF I PAYOFF TODAY. THE CAR DEALER WHO WILL BUY MY CAR OFFERED ME 13500.00 I HAVE HEARD BAD THINGS ABOUT CAPITAL ONE WHEN IT COMES TO THEIR CUSTOMERS AND THEIR DEMEANOR BUT I FIGURED I WOULD TRY ANYWAYS. I SPOKE TO THREE PEOPLE YESTERDAY AND EVERYONE IN THAT FACILITY NEEDS CUSTOMER SERVCIE TRAINING. THEY WERE NOT ONLY RUDE BUT THEY WOULDN'T HELP ME AND DID NOT CARE THAT I AM IN A BIND. I GET THAT THEY LOSE OUT ON $1000.00 BUT THE COMPANY IS GOING TO ISSUE THE CHECK DIRECTLY TO THEM FOR 13500.00. I AM ASKING THEM TO WORK WITH ME AND ONE OF THE MEN SIMPLY STATED CONGRATULATIONS ON YOUR NEW JOB BUT WE WANT THAT 1000.00. WHO SAYS THAT TO A CUSTOMER? WHO TREATS THEIR CUSTOMERS LIKE THAT. I WISH I HAD NOT GOTTEN A LOAN WITH THEM AND I ASSURE YOU THAT ONCE MY CAR IS PAID OFF I WILL NEVER DO BUSINESS WITH THIS COMPANY EVER AGAIN. THEY ARE UNPROFESSIONAL AND NEED FILTERS WHEN IT COMES TO WHAT TO SAY.My complaint concerns: an Auto LoanDesired Settlement: I WOULD LIKE TO SETTLE MY ACCOUNT FOR 13500.00 AND HAVE THE TITLE RELEASED TO [redacted] ONCE THE CHECK IS SUBMITTED TO THEM WITHOUT ANY HESITATION OR PROBLEMS.

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.

Even in the case of me having to leave the country for a new opportunity and having to make sure my loan has been taken care of, Capital One still refuses to help the situation. It's funny actually, because I have my bank accounts and my credit card through this company. Once my account is paid off, I will NEVER do business with a company that is all about the money and not working with their customers. They really can't write of $700. Is that really going to hurt the company? They need not to ever contact me again. Thank you Revdex.com for your help even though I did not get the response from the company I wanted.

Regards,

Review: In 2014, I was issued an unsecured credit card with Capital One. I have a secured credit card that was issued a year or more prior. Between 2014 and the present, I went through financial straits because I have a head injury and am having trouble finding work. In June 2015, I set up automatic payments for my account. I was told over the phone that payments would be split. I've made every automatic payment, and a couple times, when able, I made supplemental payments. In 2014, I received a letter saying that my credit card was six months past due and hat they were going to refer me to an attorney for litigation. I immediately got online and spoke to a chat agent acknowledging receipt and explaining the situation. She explained that, if I thought the payment was supposed to cover both cards, I had to file a dispute. I wrote and mailed a dispute, explaining the situation--that I have no problem with paying but that I thought my autopay meets covered both and I need a payment plan. Last week, I received notice that they charged off the card. I'm now receiving a call from a guy who is somewhat threatening and refuses to address

The issue that I've been making payments since 2016. This is an issue with communication, not with a failure or refusal to pay.My complaint concerns: a Credit CardDesired Settlement: I want the card closed, the charge off removed, and a payment plan to get the debt paid in full.

Business

Response:

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

As a customer of 5 years, I am no longer going to be using my Capital One Venture card. This is frustrating because I have perfect payment history and good credit. Here is why I have deactivated my account. I requested a credit limit increase so that I can move all of my monthly auto-pay accounts over to Capital One and utilize the rewards points, and the response came back "Declined due to low average monthly payment" This made no sense to me since I have had a zero balance for a majority of the time the account has been open, and now that I actually want to use the account and utilize the rewards points, why am I turned away? I spoke with a customer support supervisor and she says all the decisions are made by a computer system which needs some more time to calculate the numbers. You can't have a human being take a better look at consumer accounts to evaluate the situation? I'm sorry, that is ridiculous, and as a result, I will take my business elsewhere.

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.

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: 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 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: Good evening,

I am writing because I am disturbed that as a credit card holder since 2006, Capital One continues to decline credit limit increases for my primary card ending 2400. They have provided several reasons for the decline, most recent a charge off for another card I paid in full. In 2013, I was hit with over hundreds of dollars worth of medical bills which caused me to fall behind. As soon as I got back on track, I paid off the credit card but I always kept 2400 current. Much to my disappointment, I read post after post on [redacted] about people who have credit scores and bankruptcy be approved for credit limit increases after six months of having the card. Not once did I file for bankruptcy, I made sure I paid the bill once I had the money. I've called Capital One and spoke to two supervisors who said there is no one else that can help me but them and they only report to someone who checks their atattendance. Before I write to the CEO,I would to confirm if we can resolve this concern amicably.Complaint concerns: a Credit CardDesired Settlement: Credit limit increase to 3000.00.

Business

Response:

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

Consumer

Response:

I accept Capital One's resolution of my concern. [redacted]

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: [redacted] withheld processing of my check dated February 5th until February 20th, 2015. Processing of payments are purposely delayed in order to charge customers a LATE FEE.

------------------------------------------------- [redacted] Wed, Mar 18, 2015 at 9:44 AM

[redacted] All [redacted] Payments are mailed to [redacted] Payment Center [redacted]

All Payments are being submitted to this [redacted] where they are picked up at the local post office by their carrier

Also I would like to say that Synchrony Bank has taken over the accounts of [redacted] still exist.

Thank You, and all that can be done on this.

Also, can't this be reported to Consumer Affairs and The Federal Justice Department?Desired Settlement: Remove any and all LATE FEES from credit card billings.

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,

We have resolved the complaint. I will continue to watch my account and see how postings are dated.

Review: On August 17, 2013, I filed a cmplaint because I knew I had two accounts in collections. Thanks to the Revdex.com the problem was solved, but when I disputed these negative information with the credit agencies, this was not the problem. I received an answer from the three agencies stating that these accounts were not in my credit report. However, [redacted] kindly sent me a credit report where I found out that the problem was another account I never opened and is affecting my credit. This account comes from Capital One Bank, and this is the information:Original creditor CAPITAL ONE BANKAddress identification number [redacted]...Partial account number [redacted]...Date opened May 2012First reported July 2012Date of status July 2012Credit limit of original amount $665Recent Balance $665 as of Oct 2013I,then, tried to get information from the bank such as Where was the account opened?, When was it opened?, what documents were signed to obtain the card?, what documents did the individual who opened the account provided the bank with?, where and when did the credit card was used?, how much money was spent? and why If I supposedly had their card I was not sent a statement? I only learned about this a year and a half later. Now, the person I spoke with at the bank says that they cannot answer any of my questions because all the information I need to know belongs to the collections agency. My husband called the agency but nobody answered, and the person we spoke with at the bank witnessed it. Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to have my questions answered to prove I did not opened that account and as such get it eliminated.

Business

Response:

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

Review: I had an account with capital one I called the customer service line on Oct. 28th and spoke with a customer service representative explaining that I had lost my job and had just currently became employed again so I was trying to set up direct deposit and was in need of the banks routing number which he gave to me and ended the call. On Nov.8th I went onto the banks website to see exactly how negative the account is before my payroll check hit to find the account had been closed. I called customer service for the representative to tell me that capital one closed my account on Nov. 1st after they accepted my direct deposit request from my new employer on Oct.28th. From what was explained this evening the representative that I spoke to upon setting up my direct deposit should have informed me that account was going to be closed due to having an outstanding negative balance which was never explained so now my paycheck is set up to hit the closed account and I will not receive my paycheck until the end of next weekDesired Settlement: My account to be reopened and my check be available when it was suppose to

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: August 2014- [redacted] Capital One lender calls me & informs me that I am missing a payment from July 2011. Bank of America was my lender until November 2011 & then Capital One bought them out. I faxed a check copy receipt then was told in October 6,2014 that the check receipt was not acceptable & [redacted] then requests a bank statement & asks do I want to pay my October bill over the phone & tells me I'm going to get a late fee. I faxed the bank statement indicating the missing payment was taken out of my account July 2011. I received a memo October 10, 2014 requesting the front/back copy of the check. Each phone call [redacted] requests that I pay last months mortgage & the current month. My payments are up to date but yet she continuously insists that I am one month behind. Each time she says there is no record of last months mortgage yet on bank statements indicate that they have cashed the check (it takes them from 7-14 days to process my checks). Current correspondence received Dec 19 indicates that I have 30 days to respond or a notice of default will be issued & I could loose my home to foreclosure. It states I should contact a attorney or Housing Counselor immediately. How could this happen when I am not behind in payments? I have provided them required documentation but yet they continuously harass me. My home is located on [redacted], [redacted], WA & I have a deed to my property. I have requested assistance from [redacted] staff to help settle & so far they have not been able to guide me on the proper procedure to settle the dispute. This situation has added unneeded stress to my already busy life. I have a full time job and make monthly monthly mortgage payments. I am a grandmother & guardian to a 16 year old who has heart disease & has various appts that keep me busy. Recently they have reported to Collections Bureau that I have had one payment that is 30-59 days behind & this has lowered my credit score which will keep me locked into a high rate of 6% with them.

Account_Number: # contract [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Correct their records so that my payments are up to date & stop harassing me. I have also requested that they quit calling me at work. Remove late payment records from my credit report. Credit report indicates my last payment was in November 2014. December mortgage payment was deducted from my bank account on Dec 17th 2014, January mortgage was deducted from bank account January 13th, 2015

Business

Response:

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

Review: Been a card holder (my wife [redacted] and I) for 7+ years. Never missed a payment. Currently our family income is over 250k/yr. Capital One declined multiple requests for a credit line increase (ours was at 1k). Eventually, after very poor service and neglecting to respond to several requests, we closed the account (and paid off balance in full). On the same day, we got a Citi Bank card w/ a 10k credit line.

Since then, we have asked for a report of all transactions from 2014 for two reasons -- one, to pull data for a small business we operate. Second, to verify transactions because there is concern either fraudulent transactions have gone through the account. Capital One Customer Service Reps would NOT send us anything w/o faxed or written notification. As of the date of this complaint, we have faxed FIVE requests for the transaction report and have not received any sort or response. Calls to Capital One go to no avail as reps will not help us or seek alternative way to cure our request.Complaint concerns: a Credit CardDesired Settlement: Send a full list of all transactions from 2014 and do it immediately.

Business

Response:

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

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: 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: 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.