Capital One Financial Corporation

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: 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: 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: 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: 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 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: 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 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: 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: 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: 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 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: 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 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: 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: 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 purchased a vehicle approximately four years ago through Capital One and the monthly payment was established on an electronic transfer from my checking account. On the 23rd of each month exactly $729.54 was withdrawn from the checking account. On 11/18/2014 I logged on to the Capital One site and went to the "make a payment" page. On this page there is an option to "pay off" the loan. This is what I desired. The pay off amount was $7,141.51. I was not required to enter any additional banking information as all of my checking account information was already listed. I simply hit "make the payment". On 12/5/2014 I received a call from Capital One stating that my payment was past due. I signed on to the Capital One site again and it indicated that the payment had been made, but then removed on the same day (11/18). I then called and talked to a customer representative. I asked him both, why was my payment of $7,141.51 reversed and why did Capital One not do the electronic transfer on 11/23 of they did not accept the pay off? At first he stated that my bank "refused" the payment. While on the phone with the representative, I called my bank and on speaker phone, they stated to the rep that they had no record of an attempt to make the withdraw from my account. The rep then stated that the amount must have been too large and that Cap one decided to not process it. I told him to make the transfer. He wanted to add the additional interest, but I told him no as it was their error. He talked to his supervisor and told me that it was resolved, he took the payment of $7141.51 and told me the pay off was complete and to expect title. I spent one hour on the phone. On 2/8/15 Cap One again called demanding $17.19. I went through this entire explanation and talked to one rep and two supervisors. The supervisor told me that I must have entered an "invalid" account number. I stated that I did not enter any account number as it was already in their system. After 30 minutes on the phone, I simply paid.

Product_Or_Service: Auto FinanceDesired Settlement: DesiredSettlementID: Refund

I want my $17.19 back and an apology. I am an Orthopedic Surgeon, I spent an hour and a half of my time arguing about 17 dollars, it is obviously a matter of principle.I want the Revdex.com to continue to expose the inept, poor customer service of this company. I have cut up my Capital One Credit card and will never use it again.

Business

Response:

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

Review: I have had the Capital One Aspire Travel Card for over 6 years. The monthly payment have always been paid in full. Over the 6 year period, a few requests had been made for an increase on the credit limit. Customer service has not been helpful. The credit was set at the time of application and would never change was the explanation given. The credit limit was set at $10k cdn. Other credit card companies offer $25k- $50k cdn. as the limit and if there were any major purchase, they would at least approved a one time increase.

On Feb 21st, 2015, my wife found out that a payment put on the credit card for the balance of a [redacted] was declined. She called the credit card company and found out the credit limit exceed the maximum by $3000. She offer to transfer $5000 cdn. immediately on line to cover the cost. The travel agency was closing in 25 minutes. The payment had to be done by that date. We chose to use Capital One because the initial payment was made using the Capital one credit card. The credit card would only cover the travel benefit if the full cost of the trip was paid using the Capital One credit card. Customer service was informed of the situation and my wife was told no exception would be made and she better use a different credit card to pay for the balance since the travel agent will be closed in 10 min by that point. At the end my wife had no choice, but to make the payment on a different credit card forfeiting the benefit of using Capital One Aspire Travel card.

I have no debt ,an excellent credit history and own my house mortgage free. We do have a few credit cards which we choose to use depending on the purchase. I am a [redacted] and my wife a [redacted] and we've both been in practice for over 25 years . We have a stable income and pay all credit cards in full every month.Complaint concerns: a Credit CardDesired Settlement: Even though the final payment to [redacted] has been made with a different credit card, they should have made an exception and provided the full coverage for our trip according to the credit card agreement. We were making every effort possible (include making a cash payment on line) to make the final payment on the credit card only to be rejected. We are loyal customers with a good credit history and have found the low credit limit problem totally frustrating.

We request that our credit limit be increased to at least $25,000 if not more reflecting on our financial situation. Apparently, there was no maximum they will give to a customer. It all depends on the credit department. It was unnecessary to put my wife through the stressful situation on Feb 21st because of a $3000 over limit purchase. In the past, several times we have had to use another credit card for a larger purchase because of the low credit limit.

Your full consideration will be appreciated.

Business

Response:

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

Review: I have paid in full my product two months ago and did not receive my title. we called several times to request when we were going to receive our title and we have never received it we held our end of the deal by paying in full on january 5th 2015 we would please like to have our title it should not have taken this longComplaint concerns: OtherDesired Settlement: we would like to have our title for our [redacted]

Business

Response:

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

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.