Capital One Financial Corporation

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: 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

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: In July of 2012 I opened a Capital One Secured Card to reestablish my credit score. I unfortunately lost rental property during the housing market collapse and my credit score was a casualty. I did not lose employment, did not need the card for its credit, merely as a vehicle to increase my credit score over time. As such, when I used the card for purchases I paid the balance off using my checking account/[redacted] card, never paying interest for the life of the card. Since the available to spend was such a low amount, I make deposits in accordance with their policy to increase the "credit" line. I believe the original amount of the card was $200, increased to $300 for good payment history. A few months ago I made a deposit of $300 from my checking account to the card to increase the available to spend to a more palatable $600. This was processed by Capital One without issue. On September 19th I again made a deposit through their website in the amount of $400 to increase the available to spend to $1000 from the same account. When one makes a deposit you are logged in securely to your account, are asked to verify that you authorize the payment, and the funds are then debited from your account within 10 days. When I went online to pay a recent charge of $32.74 I noticed that my account was restricted for "fraud" concerns (Capital One did accept my payment of $32.74 while the account was restricted). I first chatted with a rep on their secure chat feature who wouldnt tell me what happened to my account. When I called later that night the reason for restriction was not given to me until I escalated the issue to a superior, who told me my account was restricted for interesting transactions, and that Capital One needed to verify my bank account. This is the same bank account that I have used for the prior deposit, and most if not all of the multiple payments per MONTH I send to keep the account at zero. I understand the spending habits may seem peculiar for a secured card, as they are often issued to people in financial transition. I am not. However, I feel my consumer rights have been violated here and someone has to stand up for the consumer in situations such as this. I asked Capital One why it accepted the funds and then after asked to verify my account rather than rejecting the deposit and restricting the account, and there was no explanation given. I asked Capital One why they accepted a payment to the account during restriction and there was no explanation. Frustrated with these bizarre business practices I instructed Capital One to close my account and send back my secured deposits. I do NOT want to do business with a company that acts in such a manner with its excellent customers. I was told closing my account was not an option, as the funds in my account are "unverified". So as it stands, my account is restricted without usage, my money is being held in escrow against my will, and I cannot close my account and move my business to another credit card company. Nowhere in the customer agreement are the practices listed. I demand that Capital One either release my funds back to me or open my account and allow access to my deposits. Holding my funds in escrow as such is illegal. It is unfathomable to me that Capital One thinks this practice is acceptable by any means.Desired Settlement: Capital One's first option is to open the account and let me have access to my funds. I refuse to be treated in such a way by a corporation just because they felt they can restrict access to my money at their whimsy. I will not have my privacy attacked by some foolish, arbitrary, random "policy". The other option is to close my account and return my money to me. Thanks, [redacted]

Business

Response:

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

Review: On October 16,2013 I went on their website and paid my balance in full well before it was due. I talked to them several times on the phone and they had assured me my account would be closed as I requested after I paid the entire balance ($1579.69) On Friday Nov 1, 2013 I opened my mail from them and it says I owe them $17.35. I went to the online chat on their website and asked why I am being billed when it is paid off and supposed to be closed? Their representative told me I would have to pay that for three months and then acct would be closed. I told her I had paid off and closed two other credit cards in October along with theirs and neither of them had done this to me. I told her it was bogus and I am contacting the Revdex.com.Desired Settlement: I request my account be put to zero balance and closed immediately.

Business

Response:

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

Review: I have 2 credit cards with CapitalOne, both which have the same contact details, and both are set to auto-pay from the same bank account. For some reason one of them got flagged for security, but I received no notices - my credit card was just being rejected. I was travelling outside the country, so I called long distance in to talk to an agent, and they forwarded me to a fraud [redacted]. She kept putting me on hold for 5 minutes at a time, and came back and asked me a couple of questions: what's your address, who is the owner of that address, and what is the mortgage. I told her I had 2 mortgages and asked which one she wanted, she said she didn't know so said I was going to give her info for the one on my primary home. She then put me on hold for another five minutes and asked for a more specific mortgage amount, which I looked up on my bank account to give her the exact amount to the penny. After another 5 minutes, she came back and said the information was not correct, and that they had fraud concerns and that I had to collect a bunch of documents and fax them. I am travelling overseas! I figured she must be looking at the other mortgage so I offer to give her that info but she says since I "failed" the first question she can't continue. "Failed"!? I have 2 freaking mortgages, she couldn't tell me which one she wanted, and since I guessed the wrong one she can't accept the info for the other one? I tell her to just look at my account and she will see I have another credit card with the same contact info, the same auto-pay bank account source, I can tell which txns I did on both cards, etc. She says sorry, she can't take that information into consideration, and I'm still flagged as a "fraud". I say fine I can try to email you the docs you want, but of course they don't accept email, they want me to find a printer to print out the documents and then find a way to fax to them. After wasting 30min of my time on hold (over international long distance), being ambiguous about what info they wanted, not accepting a corrected answer (since I guessed the wrong mortgage the first time), not being able to take information electronically, and asking me to run around town wasting my time just for the privilege of being able to use their card!? Completely ridiculous.Desired Settlement: Really, I just want everyone else in the world to know what terrible customer service Capital One has. I have other credit cards I could use (even the 2nd CapitalOne card), I'm just so upset at how much of my time they wasted and how stupid their fraud [redacted] is. Close the account you is, I'll just take my business elsewhere.

Business

Response:

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

Review: A company ([redacted]) attempted to make a charge against me that wasn't authorized. The card information had expired. I received and have in my possession the information that states that the charge wasn't successful. Capital one processed the charge anyway. I didn't know this charge had been made. The account is kept in case of urgent need or emergency and it didn't have a balance. This charge made me incur multiple late fees and interest. No attempt was made by the company to contact me. I now have bad marks on my credit report due to their actions. They shouldn't have processed the sale and also should have contacted me regarding no payment being received. I do not have a history of late payments with this company and they are now damaging my credit history.Desired Settlement: I want all of the charges removed from my account. I have proof that the charge shouldn't have been completed. I also want all negative information removed from my credit history. If this cannot happen then I will be forced to seek legal council

Business

Response:

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

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I have an account with Capital One Spark Business. I explained to the customer service rep that because I was a teacher I would be unable to make payments over the summer months because I had no income over the summer. After my account was 3 months passed due they offered to place me into the "Specialty Assistance Program" for passed due accounts. I worked with the Specialty assistance program numerous times over the fall and winter months to try to bring my account current. I made partial payments when I could to let them know I was attampting to keep the credit line in good standing. On January 3, 2014 I was told if I paid $395 that the account would become current and return to good standing status. I set up automatic online billing with my bank so that I could continiue to make on time scheduled payments. The first payment was generated today Feb 3, 2014 for $100. I called today to see if Capital One received my payment and they said my line of credit was revoked back in October. Capital One failed to honor their agreement that enrolling in the specialty assistance program and paying $395 on January 3, 2014 would keep my account current and in good standing.Desired Settlement: This line of credit is currently in the temorary unusable status. I was informed that the line of credit will be suspended/revoked on February 9, 2013. I would like to for this line of credit to remain in good active standing as long as I continue to make scheduled monthly payments.

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: [email protected].

Regards,

Review: Recently my [redacted] card was changed to Capital One. After the change, I immediately had trouble logging into the new Capital One website as I was accustomed to using the [redacted] website. I also purchased a home and moved within this timeframe. I received no statements, could not change address online and a payment must have been delayed and recorded as late on my credit report. I have attempted to contact Capital One several times via [redacted] but my requests are rebuffed with a response that leads me to believe that no one even read the letters I wrote before responding. I have been a customer with [redacted] since February 2006 and would be glad to remain a customer but I don't think that will be possible if they can't help me out with this misunderstanding.Desired Settlement: Removal of late payments with all applicable credit agencies.

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 recently obtained a copy of my Credit Report. I noticed an OPEN Capital One account on my Credit Report, with a balance of approximately $2641.00 that was past due! I have NEVER received ANY correspondences rom Capital One at my above home address about this account. I am DISPUTING this debt. I am asserting ALL my legal rights under the FAIR DEBT COLLECTION PRACTICES ACT 15, USC, SECTION 1692 C. This is a FEDERAL LAW. Aside from verification of this debt, I do not want Capital One to contact me. I give the Revdex.com my full authorization to contact Capital One on my behalf. Capital One has my full permission to give the Revdex.com any information that it requests connected to this account. I want to be supplied with copies of the following ORIGINAL DOCUMENTATION used to open this account immediately from Capital One:

1. The FULL NAME of the individual that opened this account.

2. The complete mailing address that is connected to this account.

3. The complete address that the Credit Card was mailed to when the account was opened.

4. The EXACT DATE that the account was opened.

5. The Social Security Number that was used to open this account.

6. The FULL NAME of the original debtor on this account.

7. How was this account opened...Mail, Internet, etc.

8. What was the BILLING ADDRESS connected to this account.

9. Copies of all RECORDINGS from the DEBTOR connected to this account.

10. The exact INTEREST RATE when the account was opened.

11. An exact calculation and breakdown of how interest is calculated on this account.

As I stated earlier, I have NEVER received ANY information from Capital One to my above address stating that I owed this debt!

I want Capital One Bank to be fully aware that if ANY information connected to me and this debt is inaccurate in ANY WAY, I will immediately commence legal action against Capital One. Furthermore, I want Capital One to be aware that it is ILLEGAL to report INACCURATE or OUTDATED information to the Credit Reporting Agencies. If a company engages in this activity, it is a violation of THE FAIR CREDIT REPORTING ACT; which is a FEDERAL LAW. I want Capital One to know that I am asserting ALL my legal rights under this federal law as well.

Desired Resolution:

I want Capital One to IMMEDIATELY and permanently remove ALL information about this debt from my Credit Report. I also want Capital One to permanently remove ALL trade lines about this account from my Credit Report. Furthermore, I want Capital One to inform the Revdex.com, as well as me, when this occurs. I authorize the Revdex.com to act on my behalf in this matter; and to be furnished with all information that they request from Capital One concerning this account.

I am a supporter of the Revdex.com, and I thank you in advance for assisting me with this matter. If you need further information, please contact me by email or phone.

Can the Revdex.com please let me know if this is email is an acceptable format to file my complaint against Capital One.Desired Settlement: Unspecified

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: [email protected].

Regards,

Review: Due to the company coming into my account unauthorized,a loan I had due to come out was not paid and as such I had to pay a fee. The company came in on 10/24/2014 and that was when my loan was due also.Desired Settlement: I would like them to pay the loan amount of 52.69 and the fee associated with it of 25.00

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 11/25/13 Capital One processed an unauthorized bank debit in the amount of $986.00. I have been trying to resolve this issue with them since 11/25/13. I have been told by their customer service department there is nothing they can do until they hear from "the back office". I have called daily to see if they have heard from the mysterious "back office". To date, they have not. I just spoke with [redacted] and she asked me to stop calling her as there is nothing she can do. I would like someone who can do something to call me and fix this issue.

Business

Response:

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

Review: Online bill pay accidentally sent payment to the wrong account, which has been closed. I contacted Capital One to have the payment transferred to the correct account. I spoke to one person who could not find anything out, then transferred me to who he said was his m[redacted]. The next person I talked to, [redacted] #[redacted], refused to help, said they could not confirm payment ever came, refused to let me email him a copy of my statement from the bank showing they received it and cashed it, and told me the only thing I could do was call back in 3-5 days. I asked to talk to his supervision and he refused to let me talk to anyone else, and then said he wasn't even a manager, so the first person who transferred me was not telling the truth as well. Still have no idea how this is going to be fixed.Desired Settlement: Want the 350.00 payment to be credited to the open account.

Business

Response:

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

Review: I had cancellex my account they have said they sent my check.but havent recived one its now a month later noone there seems to know what they r doing none of the customer service reps have any information.Desired Settlement: I just want my money back thats all :(

Business

Response:

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

Review: Sent a letter to Capital one for debt VALIDATION on 11-4-2013. Letter was sent first class, certified, return receipt. Received a confirmation signature. Article number [redacted]. In regards to account [redacted]. Request the service or contract agreement with the creditor with my signature. Ask for original amount of debt, fees, and interest. No response was given. 30 day time frame has expired. I believe this is in violation of the [redacted] and [redacted].Desired Settlement: Have the account removed from all three credit bureaus. [redacted], [redacted] and [redacted].

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.

1. Capital One stated THEY sent a letter to [redacted] dated for November 13, 2013 to address my concern. No letter was sent to me from Capital One or [redacted]. IF they did, I request a copy that was sent to [redacted].

2. They are the ORIGINAL CREDITOR so the information that I sent was certified and they should have payment history, date of delinquency, and all the information that I requested from THEM.

3. They stated they could help me with information on the account dated before May 17, 2011. THAT was what I was asking for, again, in the certified letter sent to Capital One.

4. Again, if the information is not verifiable, please have Capital One and [redacted] removed the information from all three credit bureaus [redacted], [redacted], and [redacted].

Regards,

Review: I have a credit card with Capital One. I am currently an [redacted] and am stationed in[redacted]. I tried for two days to make my payment on the [redacted] site with no success. I was finally able to get it to process through 15 minutes after the 5pm (United States time) cutoff. I contact customer service immediately via the message center on my account (it is difficult to make calls due to our shift schedules and the only phones we have access to are government lines). I was told by capital one that I was still being charged the $35 late fee. I have contacted them before due to the time difference and thought this would be changed on my account. However, this time it was a malfunction on the company's website. I was still told I was being charged the late fee and that I should have called (once again, almost an impossibility due to my job and location). I got this card because I had heard good things about Capital One, but they have proved themselves to be unkind and seeking to take advantage of service members out of the country.Desired Settlement: I would like the late fee to be reversed.

Business

Response:

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

Review: I am writing to dispute the following information that your company provided to trans union report has incorrect information

capital one was included in my bankruptcy and should be remove from my credit file.. I am requesting that capital one bank have the item removed from my credit file.

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete as soon as possible.

Sincerely, [redacted]Complaint concerns: a Credit CardDesired Settlement: I am writing to dispute the following information that your company provided to trans union report has incorrect information

capital one was included in my bankruptcy and should be remove from my credit file.. I am requesting that capital one bank have the item removed from my credit file.

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete as soon as possible.

Sincerely, [redacted]

Business

Response:

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

Review: In April I found that one of my payments that was made by mail had not been received by Capitol one, on by a credit card that I use. April 9th they hit my credit with one time late payment of $25.00 which showed negative on my credit report? But heres the problem, Capitol One did not even call me to let me know they had not received the payment which I guess is ok?! but they didnt even give me time to receive my bank statement, to notice that Capitol One had not received my check. So NO CALL? NO time to receive my bank statement? NO letter stating late? Then its on my credit report now. I have called them twice for help no help - they are rude, and the supervisor did not even care that I had no notice and no time to receive my statement or not even a email stating a late payment. Also, when I spoke with the supervisor about the email she did not send she said well maybe you need to contact yahoo they have helped with nothing at all. I have worked really hard to keep good standing on credit report until now. I need to get this resolved ASAP. I am purchasing a new home and this is affecting me big time.Desired Settlement: DesiredSettlementID: Other (requires explanation)

As of March Capital one removed my late fee. As a courtesy I would like my late payment to be removed.

Business

Response:

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

Review: On 6/10/15 I transferred $278.21 from my [redacted] Bank Account to Capital One to open a Capital One 360 Bank Account.

On 6/12/15 I received a telephone message from Capital One asking me to call them. I called them on the same date and was put on hold for over 15 minutes, so I sent them a message on their website. In the message I explained the long hold time and if they were not able to open my account to transfer the opening funds back to my [redacted] Bank Account.

Today (6/14/15) I received the following message from Capital One:

Hi James,

We apologize for the hold time. We've confirmed that your 360 Checking account have been opened. However, there appears to be a security restriction that can only be addressed over the phone.

The number we prompted you to use goes directly to the security department. However, if you use our general service number, 1-888-464-0727 one of our Associates will be able to help you out. We're available from 8 AM to 8 PM, 7 days a week.

Thanks,

Kyle

++++++++++

I called Capital One at 1-888-464-0727 and was connected to Josh (employee number [redacted]). Josh told me that no one worked at Capital One today who could resolve the account. He refused to release my money and he would not transfer my money back to my [redacted] Bank Account. I also talked to Josh's supervisor, Jim and he said he could not help either.My complaint concerns: a Banking Account (Checking)Desired Settlement: Transfer funds back to my [redacted] Account or open the Capital One 360 Account.

Business

Response:

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

Review: my capital one [redacted] was stolen account ending in [redacted] and someone acquired my pin and withdrew money, my fraud investigator for capital one put the money back on my account and said it was over. I withdrew the money. I now get a call from same adjuster telling me he feels I removed the money yelled at me and treated me like a criminal. and when I asked what proof he had to think my card was not stolen and pin compromised he said he had no proof just a gut reaction! I asked him what he did for 2 mths while investigating my case and he said not a whole lot. I was shocked!! for his rude cantor. he said a theif would of changed my pin. I said how would they do that, he said with my social security number I said what if they didn't have it. he had no answer. he said I used the atm before where the money was taken out and thats proof enough to say this is not fraud. this fraud investagator should not be working for capital one.

stated in capital ones contract they state no transactions that I did not authorize I will be accountable for! this is a breach of contract.My complaint concerns: a Credit CardDesired Settlement: I want the funds that were removed fraudulently to be returned to my account. in the sum of $282

Business

Response:

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