Capital One Financial Corporation

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.

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: 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: [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: 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: 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: send money orderto them they claim they never got it but someone cash it it was in there name on the moneyorder and the enevopleDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want the money put on my account

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,

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

Review: I am writing a complaint on this company because they placed 3 different collections on my credit file that I do not recognize. I have never had a relationship this company. I have contacted Capital One and spoke with a rep named [redacted] and she stated that they do not have any records of me in their system. I have written several letters to Capital One and have proof that they have received my letters and they fail to provide me with the documentation that I have requested which are as follows: *Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect *Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes *Provide a copy of an original executed contract that contains my signature, where I agreed to this debt I do not have the account numbers but my social is [redacted]Desired Settlement: To delete these accounts from my credit reports immediately

Business

Response:

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

Review: Customer Service Specialist was rude to me being a on time paying customer and they have restricted my account without my knowledge and have -$14.99 becuase have made payments on time and it conflicted with the balance.Desired Settlement: Would like account to be restotred and a full refund on the negative balance and that account be resolved do not want a negative effect on credit score

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.

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

Regards,

Review: I can't believe I have to resort to filing a complaint on here.

But from the looks of it no one wants to help me or make the effort to get my money back.

But recently I had canceled my card because my neighbour gave me my credit card he found at [redacted]

However I had it in my possession my card.

I called in and asked why there was an exact replica of my card. The woman on the phone bluntly stated that I requested a new card when I had not.

Anyhow I noticed some charges that occurred in Whitehall PA and a few other places I had not been to.

I filed the report I was asked to mail in my forms. They were recharged because they did not get the form. So I faxed it in and the woman who called said she saw no fraud. Um hello I didn't make most of those charges what would you call them?

I did make a few charges that I had to dispute because of non receipt but someone marked it as fraud I don't know why and now no one will help me.

I can't be reached by phone because I live in a Dead Area. So mostly email.My complaint concerns: a Credit CardDesired Settlement: To proceed to reclaim my monies from these agencies.

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.

those are correct as fraud. How ever I have faxed a letter an added those that aren't mine and should also be added. I did not add a second card.

Regards,

Review: Capital one since January has sent me 3 to 4 advertisements per week. I have now called Capital One 475 times asking them remove me from their mailing list. They refuse and I continue to get 4 to 5 mailings per week. I have spoken w/200 different supervisors and noting has been done. This amounts to harassment by mail.My complaint concerns: OtherDesired Settlement: business to never ever contact me again. Also, I may contact the state of IL to ban Capital One from doing business in IL>

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 am not satisfied with Capital One's response. [redacted] says "On August 5, 2015, we received your request to opt out of our mail offers." They received my request to not receive anymore solicitations from Capital one as of JANUARY 15, 2015 VIA MAIL AND VIA PHONE, OVER 500 CALLS TO CAPITAL ONE AND I WANT CAPITAL ONE TO ACKNOWLEDGE THE TRUE DATE ON THEIR RESPONSE. Their is response that they received it on August 5, 2015 is a lie! Thank you.

Review: CAPITOL ONE CREDIT CARDS RUN MY CREDIT THREE TO FOUR TIMES A MONTH FOR A PRE-SCREENING FOR A CREDIT CARD. I DO NOT HAVE AN ACCOUNT OR PRODUCTS FROM THEM, SO I DO NOT EVEN NOW HOW IT HAPPEN IN THE FIRST PLACE. I HAVE NEVER AUTHORIZED ANY PAYMENTS AT ALL!!!

I have documentation to prove the have been running my credit through [redacted], [redacted], AND [redacted]My complaint concerns: a Credit CardDesired Settlement: I AM GOIN GTO TRY AND SUE THE COMPANY FOR FRAUDULENT USE OF MY CREDIT INFORMATION

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,

I should not have to do that, I have stated that YOU should be taking care this and removing from any and ALL promotions. You are the company who has been running my credit, you should be taking care of this not me.

Review: I was told that I was enrolled into a program where I could get a credit limit increase every 6 months, and now I'm being told that's not true, this is false advertisement and I would have never got the card if I knew this.My complaint concerns: a Credit CardDesired Settlement: I want my credit limit increase its been over 6 months ando I have had perfect history.

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 filed a dispute case with capitalone360 on November 29th 2013 for a charge of $839 by the merchant [redacted].I booked a round trip flight ticket from the merchant ([redacted]). Due to some visa requirement on the return flight I attempted to call the merchant ([redacted]) multiple times as well as emailed them well in advance but couldnt connect to any customer service rep. Merchants website does state that a customer can call customer service to make any changes. Moreover, I contacted [redacted] who was the airline company and they had denied to make any changes and told me to contact [redacted] where I booked the ticket from. On February 3rd I heard back from the capital one 360 dispute department after almost 60 days stating the dispute went against my favor.Due to no customer support and unable to process my request, I couldn't fly with the ticket and had to pay for another one. Due to the reasons mentioned the transactions is invalid.

Product_Or_Service: Flight ticketDesired Settlement: DesiredSettlementID: Refund

Receive credit for half the ticket which is $419.50.

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.

Unfortunately, the merchant is not willing to resolve the issue and there is no other way than resolving this through the bank. There should be some sort of protection for a customer when using their bank card to pay for purchases and not putting their funds in jeopardy against a merchant like this one.

Review: I make a call to Capital one and spoke with a manager to see if late payments could be removed from a few years ago. The manager looked up my accounts and stated yes. She would take care of the late payments. Today I received a letter stating that they would not be able to do as they promised. They also placed a disagreement code in all the major Credit reporting agencies. In the process of purchasing a home the disputes are unacceptable.My complaint concerns: a Credit CardDesired Settlement: Remove disputes on my file and report not disputed as I did not dispute them. Do not lie to customers.

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: On 14 August 2015, I made a payment of $108.16 to my [redacted] store account by check in person at the Westminster, MD [redacted] store. Although my credit union confirmed that that check was deposited by [redacted] and that it cleared, that payment has never been credited to my [redacted] account. Capitol One manages their accounts, so the store referred me over to them. I have provided a copy of my cleared check along with mailed letters/faxes to explain the situation to each office to which I have been passed. All attempts to resolve this issue by phone, fax, and letter since noticing it on my September bill have been futile, if not insulting, as in one case a customer service rep intimated that I was looking for an unwarranted credit to my account. In calling them again today, 6 months later, to check on the status of work to resolve the issue, I was told they are now investigating the situation with the store. I'm told that they normally resolve such things in 1-2 billing cycles; I've also heard that Capitol One is being bought out. I am really disturbed by the runaround I have been getting and the total lack of professional service, and would like the matter resolved.

I first contacted them via phone in approximately mid September; letters and/or faxes were sent 16 October, 5 November, 17 November, and 11 December.Desired Settlement: My account needs to be credited for the amount I paid back in August. If there is a problem between [redacted] and Capitol One, that is theirs to resolve; my payment should not be held hostage while they figure out what went wrong in their electronic system.

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]. I have also received a follow up phone call from the business, at which time we discussed my preference for resolution of the credit balance. My preference was to receive payment by check, which I was told could possibly take up to 30 days. 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 had a balance on my credit card in September of 2013. I paid that balance off. I have a credit agency that watches for changes on my credit report as I take this very seriously. In November, I received an e-mail from [redacted] that informed me of a 30 day late notice that was posted to a credit agency. I checked my online account and noticed that 8 days after I paid my bill off, there was an interest charge of $19 added to my account. I am supposed to get an e-mail when I have a bill due since I went to paperless billing. I received no notice that I had a balance. I then noticed that they added a late charge and additional interest in Oct and then again in November. Still, I didn't receive an e-mail stating that I had a balance. I only found out that I had a balance when [redacted] contacted me. I would have paid the $19 the day I saw the bill. I don't know what Capital One is trying to pull by adding charges after the bill had been paid in full. Or, why I all of a sudden didn't get a bill. This is not good since I take good credit seriously. I am furious at this on my record. There should be some type of investigation into this type of business practice. I'd be willing to bet that this has happened to other people too. Probably many of them. Capital One did take the late charges off when I called and complained. I paid the initial $19 interest charge although I don't know that I should have even done that.Desired Settlement: I want this negative mark taken off of the credit bureaus reports. That will be the only outcome that will satisfy me.

Business

Response:

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

Review: On 1/6/15, we went on Capital One's Reward Program and redeemed 3 gift cards to [redacted]. We were charged 15,500 miles for a $100 gift card, an additional 15,500 miles for a second $100 gift card and $7,750 miles for a $50 gift card. When the cards were sent to me, 1 of the $100 gifts cards had no value on the card and expired in 2009. We promptly called Capital One and explained the issue. The representative said that they will send us a return label for the invalid card and then once they receive the invalid card, they will reissue the card. After a couple weeks, we did not receive the return label. We called again and they said again that they will send a return label. After another week or so, we did not get the return label. On the 30th, I called for a third time. This time they told me that they will send a new $100 gift card, but they will charge me another 15,500 miles and they will send a return label for the invalid card. They asked me to send the invalid card back for the third time and then they will credit my account.

On 2/8, I called again and explained that I still did not receive the return label. This time they spoke with a supervisor and told me that they will refund my the 15,500 miles and asked me to return the invalid card when I get the return label. They also enrolled me in a better rewards program and issued me a courtesy credit of 2,000 miles. I was told that in 3-5 business days that I will see the credit of 15,500 miles.

On 2/14, I still have not received the credit or any return labels. I called again (the 4th phone call) and after 45 minutes they said that they will not reissue the credits until they get the invalid card back (which I have asked for a label 4 times). They will escalade the issue to a supervisor and call me back with instructions in 4-5 business days.

I said that I guess I will hope for the best and contact the Revdex.com in the meantime.My complaint concerns: OtherDesired Settlement: At a minimum, Capital One owes me a refund of my mileage charge of 15,500 miles that I was charged for an invalid $100 Gift Card. At this point, I have received a total of 3 $100 gift card and 1 $50 gift cards and have been charged for that amount, however there is only $250 worth of values. I still have one invalid card that I have been charged for.

I am at there mercy and no one will address the issue. I have wasted 4 hours on the phone and am no closer to a resolution. I am also upset that I was charged the values on the old program (15,500 miles for $100 in gift cards) when the new value is 10,000 miles for $100 in gift cards (this cost me $13,750 miles).

To make this right Capital One should issue me a reward of 15,500 miles for the invalid card and 13,750 miles for the new reward program value as a show of faith.

Please help me resolve this issue before I am forced to cancel my credit card.

Thank you,

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: The customer service with this compay has gone down the past couple year and I can not stand it anyome now the agents and supervisors are not telling me important information that need to know. knowingly me give incorrect information and I won't tolerate it anymore I have been a customer for years. I have no idea why should ever have to ask for my confirmation number when making a payment with your company this information should just be given out

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.]

when I call in to make a payment and simple request of them just givign me my confirmation number is met with thats not our policy we are not goning to do it and when I make my payment and the change my mom minimum do and dont tell me and let me make it for a lesser amount and then charge me a late fee their so called fix for that was taking off the late fee thats their fix that makes it all better no