Capital One Financial Corporation

Review: I have submitted multiple times for Capital One a letter to show proof that the debt that is on my credit is mine. They haven't sent anything but a letter saying We have reviewed our records and found that we previously responded to your request. Based on our investigation of your records, we believe that our original determination is correct. They haven't sent proof that the debt is mine. Acct# [redacted] and Acct# [redacted]. I want these off of all three credit reports.My complaint concerns: a Credit CardDesired Settlement: I want these two credit cards off of all three credit reports

Business

Response:

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

Review: Capital One charged me $33 dollars for a protection plan that I did not authorize. When I called the customer service representative he said I would have to call in the next day to cancel. I asked why I had to cancel something I did not authorize. He said he would get his supervisor...he then hung up on me. I want the charged reversed immediately. Account Number Ending in [redacted].Desired Settlement: Charge reversed on my account

Business

Response:

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

Review: I completed a transfer online from an external account to a Capital One 360 Savings and was never informed about the required 5 day hold at the time of the transfer. The only message displayed at the time of the transfer was that the transfer would be completed by September 4th, 2015. It was not until the money left my external account and was in the activity of the Capital One 360 Savings that I had knowledge of any hold. The activity reads that the money will not be available until September 14th, 2015. I called customer service and was informed that I should have been informed and that there was nothing I could do but wait. They would not do a partial release of the funds either.My complaint concerns: a Banking Account (Savings)Desired Settlement: A release of $1,000 and a revaluation of your transfer website.

Business

Response:

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

Review: WE WERE CONTACTED AND SERVED ASUMMONS IN MY DAUGHTER'S NAME ON DECEMBER 17, 2015, ALLEGING SHE OPENED A CREDIT CARD ACCOUNT IN 2003. SHE WAS 8 YEARS OLD AT THAT TIME. WE IMMEDIATELY CONTACTED THE COMPANY. THE EMPLOYEE CHECKED HIS RECORDS AND ACKNOWLEDGED IT WAS NOT MY DAUGHTER. HE CHECKED SOCIAL SECURITY NUMBERS AND AGE. TODAY, JANUARY 13, 2016 WE RECEIVED ANOTHER LETTER FROM CAPITAL ONE AND CONTACTED THE COMPANY AGAIN. THE COMPANY REPRESENTATIVE AGAIN COULD FIND NO EVIDENCE MY DAUGHTER HAD OPENED A CREDIT CARD ACCOUNT, BUT WAS UNABLE TO RECTIFY THE SITUATION. NEITHER EMPLOYEE WOULD MAKE A NOTE OF THE SITUATION IN THE CASE FILE. MY DAUGHTER, NAOMI, SUPPLIED HER SOCIAL SECURITY NUMBER AND BOTH EMPLOYEES CROSS CHECKED TO ENSURE SHE WAS NOT THE PERSON THAT OPENED THE ACCOUNT.My complaint concerns: a Credit CardDesired Settlement: FOR THE CAPITAL ONE COMPANY STOP HARRASING MY DAUGHTER ABOUT AN ACCOUNT SHE HAS NOTING TO DO WITH. MY DESIRED OUTCOME IS FOR CAPITAL ONE TO STOP SENDING LETTERS ABOUT AN ACCOUNT MY DAUGHTER DID NOT OPEN AND TO PURSUE THE CORRECT INDIVIDUAL, SINCE THEY ARE AWARE IT IS NOT MY DAUGHTER. CASE # [redacted]. ACCOUNT ENDING IN [redacted].

Business

Response:

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

Review: I'm displeased w/the cust. service experience I've had recently w/the Fraud Dept. in hopes of resolving a very stressful & aggravating situation. I had an unauthorized charge on my account on 1/1/16; I took the appropriate steps of reviewing my transactions, contacting the local merchant & cust. service dept. to verify the fraud. charges had been made only to be told that there was no record of the transaction & "to contact the credit card company to report the fraudulent charge". I proceeded to file a case for the charge & a temp. credit was issued. I awaited final review/decision after the Capital One Fraud Dept. conducted their investigation. Finally on 1/22/16 I received a letter notifying me that the matter had been resolved & my account was perm. credited for the fraudulent charge (as I knew it would, b/c I hadn't gone to the merchant on said date). Fast forward to 3/4/16 & I see an adj. charge on my acct. for the fraudulent charge. I called into customer service to have the issue looked into & the charges credited again, seeing as how I'd already gone through this 2 months prior, needless to say my experience was awful!!! I was on the phone for over 3 hrs & spoke w/3 diff. people. Most of my time was spent going in circles over charges that were completely unrelated to the charge in question. I was initially told that my case was a dispute when it should've been a fraud investigation; after about an hr., the story changed & I was told it was a fraud investigation when it should've been a dispute. At this point, every " [redacted] me off button" triggered & my aggravation level was HIGH! I was repeatedly told that I'd have to wait for the Dispute Dept to open at 8 am, to have the matter looked into b/c the supervisor I was speaking to in the Fraud department couldn't do her job & resolve the matter despite the case having been "resolved" by the Fraud Dept., a month earlier. What happened to the " 0% Fraud Liability Guarantee"? What about protecting your customers?!?My complaint concerns: a Credit CardDesired Settlement: Reversal of charges and unauthorized the merchant to charge my account again. Proper protocol being taught to Customer Services Reps and problem resolution the first time an issue is brought to your attention.

Business

Response:

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

Review: Capital One contacted me offering a zero percent interest (until November 2016) Visa credit card. I accepted the offer and received the credit card. After checking my statements, I saw that I was being charged interest. I contacted Capital One twice on March 9, 2016. I spoke with 3 representative that told me I did not have zero percent interest . I told them that the advertising clearly stated I would receive zero percent interest until Nov 2016. They basically told me that was just "advertising" and did not apply to me. This is an extract from their web site regarding the credit card I received. "CAPITAL ONE® APPLICATION TERMS

Annual Percentage Rate (APR) for Purchases and Transfers 0% introductory APR through your 11/2016 billing period. After that, your APR will be 13.24%, 18.24% or 23.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.Interest Rates and Interest Charges. " I think this clearly states that I will receive zero percent interest until November 2016 and then an APR will be determined by creditworthiness.My complaint concerns: a Credit CardDesired Settlement: I would like to keep the credit card ending in 5880 with zero percent interest until November 2016 as advertised. If the offer of zero percent interest cannot be honored request the card be cancelled.

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.

The response is inaccurate. The 0% interest rate was offered on correspondence that was mailed to me from Capital One regarding a new [redacted] credit card.. I also saw the 0% interest rate offered on the Capital One website.Click on the link below. [redacted] card holders were offered 0% apr. I was issued a [redacted] card. [redacted][Provide details of why you are not satisfied with this resolution.]

Regards,

Review: I applied for a Capital One Credit Card on the internet, the site promoted 3 different cards which I could possibly qualify for. I applied under the impression that I could choose between the 3 offered. The site automatically chose the highest interest on available; even though there were 2 others offereing different rates and criteria as yearly plan which cost $75 annually after the first year which offered a lower interest rate, the third was a card offering a lower rate which couldnt read all of the criteria due to site continuing to the next portal not allowing enough time to read. I I attempted on several occasions to speak to them regarding them lowering the interest rate along with changing the type of credit card they issued. My current credit score doesn't disqualify me from other options. I was placed on hold for enormous time frames, transferred from one department or person to another, given an ongoing rendition of I'm sorry that this has occurred to you we want to provide our customers with the best service possible. This statement was repeated no less than 10 times during the course of just one conversation with them. I was getting exactly nowhere. I called no less than five separate times. Recently; I noticed that my credit limit had doubled without any consent or knowledge until I happen to notice the increase when I received a refund check from them for overpayment. I contacted them to inquire as to why I was not informed of the decision to raise my limit without my permission. I understand how credit works, attended several seminars regarding credit when my profession was in the mortgage business as a licensed mortgage consultant and currently a licensed real estate broker. I understand and know that the more possibility of debt increases the change of default which affects an individual’s FICO scores. I was attempting to convey to them that I wished to have it lowered to $4500 of which they would not comply. I was bounced around to numerous people whom started the long irrelevant mundane response of how sorry they were for any inconveniences and would I repeat over and over again my identity. Note that this information was collected several times prior during the course of my conversation with them or should I say lack of conversation and cooperation. Capital One Bank has no authority to act in my behalf without my prior approval which includes neither opting out of my information being shared or any of their affiliates from sharing or contacting me for any reason.

My complaint concerns: a Credit CardDesired Settlement: . I would appreciate your agency intervening with Capital One Bank regarding the resolution of this matter and to also investigate their tactic of attempting to slow response process, avoidance of issues, long wait times between departments or persons, the ability to access information in a more timely fashion on the telephone and not limit it to the internet which I do not rely upon as being 100% safe and hack proof. Capital One is exploiting its customers with this tactic due to the amount of times I felt compelled to hang up; instead I wanted to see the process through to determine if my assessment was correct or not, that's why I tried on more than one occasion and basically the outcome was the same. It’s inherent in their company policy evidently

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. Capital One violated my consumer rights by not obtaining my permission before attempting to pigeon hole my credit ratios. I am aware of this tactic to increase profits by suttle cohersion to steer persons an unwanted nor solicitated tactic attempted by them, which is no more than an attempt to control my credit standing and it's an attempt to steer me and hold hostage my ability to direct and maximize my credit future. I am appalled and the entire uninformed public should be aware of this underhanded and underminded intentional practice. No Capital One, you are predictors on the disadvantaged and how dare you attempt to portray yourself otherwise. I appreciate the fact that credit was extended initally of which I have no intention of abusing. I will not ideally stand by and not go forward in addressing this practice. I know they can not legally cancel my card due to consumer protection laws unless I violate can the terms of agreement. Since I have not violated these terms and paid off my balances in an expedite manner. Capital One should rethink this response and follow back up with as promused for I am still awaiting the return telephone call from the representative whom promised to call me back within 72 hours if memory serves me correctly. This matter us far from being over at this point. The fact that I have been not only disrespect by the actions the fact that they didn't keep their word justifies the initial purpose of my complaint, it has only compiled the issues..Regards,[redacted]

Review: It has been over two weeks since Capital One has restricted my account reasoning that it is a fraudulent account and was not initiated by me. I contacted Capital One couple of times and provided the information requested, yet the account is still restricted. Not only that Capital One is trying to convince me that the account does not belong to me, which in reality it does , but also they have disputed all the valid charges, without my approval, which has embarrassed, as well as created big trouble for me.My complaint concerns: a Credit CardDesired Settlement: Capital One Bank N.A. is hereby notified that the account is not fraudulent and it does belong to me. As I mentioned to Capital One Bank N.A. before, I take full responsibility on the amount on my account and hereby request Capital One to stop inappropriate action, discrimination and unethical behavior towards me.

For references: 1.I have provided all documents requested. 2. At Capital One, I have been transferred over and over and inconsistent information has been provided. 3. My case investigator ( Brian C. ) has never contacted me, nor has he ever responded to my fax, voicemail or written letters.

Business

Response:

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

Review: I have had problems with this company since I got my loan but I cannot go forward without the Revdex.com getting involved. I have made payments with this company I have gotten 3 months behind once I called them to find out my balance they are saying I am way more behind then I actually am. I know for a fact I am not as for behind as they are saying and I asked for my payment history also need to know where my payments are actually going the rep told me he wont email my history or payments. When I called about 2 months ago I was only 3 months behind I made a few payments since so that would make me 60 days or less behind. I have made payments since on my card so I have a paper trail I can provide. This company is trying to say im 190 days behind excuse me I can do math how did it go from 60 days to 190 days? I also want my records that this company will not send over to me. At this point I need the Revdex.com to get involved. there are Many reviews on line saying the same problems. I dont know what month there putting my payments in for but either way its not 190 days late. A payment is a payment no matter where there appling it. I need help at this point thnis company is scamming and doing things against the law.My complaint concerns: an Auto LoanDesired Settlement: I want them to STOP the bs and put the right amount on my account also I want and need my payment history in an email.

Business

Response:

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

Review: Contacted customer service in order to setup a TRAVEL NOTICE for my Brazil trip, and requested a PIN number via phone for cash advance after going thru the verification process (Public record, SSN and specific security questions). After setting the new PIN number I was told I would be able to use my card immediately at the overseas ATM.

While having Fraud/Customer service on the phone I attempted to withdraw cash from a Brazilian ATM, the card got denied twice. Customer service then notified me that card was now blocked (even though it was the same session that validated my identity), now the customer service department is telling me that the only way to unblock my credit card is to go to a local bank and have them validate my identity.

However, I walked into TWO different banks in Rio De Janeiro ([redacted] and [redacted]) and both do not have any procedures to do such checks!! they dont know who to report to and have no training. It is impossible for me to get my card unblocked by this unreasonable request by customer service.

Prior to the block by the Capital One Fraud department I already had a TRAVEL NOTICE for Brazil setup, their system still flagged my transaction and totally ignored my prior calls/travel notice. Therefore I believe the company Capital One has not fulfilled their responsibility to support their customer (me) - since this block has largely inconvenience my overseas travel which will last 2 months ending in August 5th 2014.Desired Settlement: Immediate unblocking of my account and resume original account standing, my phone number has changed to [redacted] and they will not update it neither via online banking or via call center stating some stupid procedure....

I can receive mail at [redacted] and they could mail a secret code, but they have not provided this option to verify my identity just some obscure procedure that even Brazilian bankers don't know squat about.

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 emailed Capital One multiple times now about an errant credit account which is somehow linked to my email address. I continue to receive junk emails related to this account, however I cannot unsubscribe as I do not have any of the account details since it is not my account! I do not, nor have I ever, had any type of account with Capital One nor ING Direct (a company which they acquired in recent years and continue to suggest I "might have" had an account with in the past). The owner of this credit account obviously registered with an incorrect email address. I am fed up with continually receiving these garbage emails; I am not part of their sub-prime demographic. I have an 800+ credit score and know my correct email address: the true owner of this account obviously cannot say the same. I wish for Capital One to remove my email address [redacted] from any and all lists they may have.Complaint concerns: a Credit CardDesired Settlement: Do not ever email [redacted]

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 sent two money orders to pay for two separate credit cards. The last four digits of each card was written on the corresponding money order. The payment stub included with each statement was included with the appropriate money order. These two payments were sent in separate envelopes.

My complaint stems from the fact that Capital One Bank applied both payments to one account. Then I was charged a late fee on the account that a payment was not applied. This also caused my account history to show I was over limit and late. I submitted the appropriate payments for each account.

I accessed Capital One's online chat support to settle this dispute on July 11, 2015. I had to call Capital One's phone support to retrieve an account code during this chat encounter. After resetting the code, online chat support still could not access my account. The online chat did get my late fee to be reversed. My account still shows I have not made a payment on it, though.

In summary, my complaint is that I was treated to the usual big bank policy of trying to charge me extra fees and maximizing their gains on the interest of the account. The two payments I sent were well over the minimum. They were both applied to one account.My complaint concerns: a Credit CardDesired Settlement: Apply the appropriate payment to my other account. Show that I, in fact, paid my bill on time and was not over limit.

Business

Response:

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

Consumer

Response:

I must apologize for my late response. Capital One responded to my complaint quickly and completely. I wish to indicate my total satisfaction with the representative that contacted me about my dispute. She insured all my concerns were addressed. She also made a resolution to this dispute in which both parties were satisfied. I would like my statement appended to my dispute. [redacted]

Review: I originally had a Credit Card account with [redacted]. They sold to Capital One. My payments were due on the 2nd of every month. I paid on September 2nd. That was the last payment I made. They had an option on their website that since you were new to Capital One you could choose your new Due Date. I clicked on it and chose September 28th. I now receive a bill telling me I owe another payment on the 28th and that my payment is late. I called them and they give me this explanation about when billing statement switch over the charges go to to another month stuff as a normal consumer we don't know this when we click change due date and there is no information about that under switch due date button. The agent was not helpful at all.Desired Settlement: Update my account as paid and my next payment should only be for 25.00 due October 28th.

Business

Response:

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

Review: Capital One has failed to delete an authorized user account from my credit report.Desired Settlement: Capital One has failed to delete an authorized user account from my credit report in which I am not legally responsible for. Under the [redacted] they have 30-days from notification to remove inaccurate information and update the Credit Bureaus. They have failed to comply. Due to this I have been denied home financing. The account needs to be deleted immediately and I request a letter be sent to me as verification.

Business

Response:

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

Review: Account was opened, used, and locked by Capital One after I called and gave a one time verbal authorization for my wife to handle the call to resolve a credit issue. After they locked the account and refused to unlock it, I proceeded to get a card with another credit company, paid the Capitol One balance in full, then "TRIED" to close out the account. I have a Dec-Jan statement which shows a (0) zero balance. They refuse to close the account because they wanted PII (Personal Identifying Information) about my wife. My wife's name was never on the account, the balance has been paid and now they are charging me a $59.00 member fee on the Jan 29-Feb 28 statement. They are claiming fraudulent use on the account. I personally have never heard of a Thief paying off a bill, trying to close an account and disputing member fees. I have tried on 3 occasions to close the account by phone which is their process stated on the back of the statement. There is no logic in this business practice of holding us hostage to an annual member fee when we no longer have the ability to use the account which was initiated by Capital One.Desired Settlement: Removal of member fee $59.00 and closure of the account without submission of my wife's PII.

Business

Response:

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

Review: I had my credit pulled for a new credit card by [redacted]. When I got my my credit report it shows 39 credit inquiries from this Capital One address. The dates run from June, 2012 through December 2013. It needs to stop!! I've never had a Capital One credit card. I have never wanted one. This has dropped my credit significantly. I don't know what can be done. It's not right. It's not fair I had to find out this way that some random sleazy credit card company helped tank my credit. I'm trying to build a life I don't need it looking like I'm a crazy person with 39 credit inquiries in 2 years. Like I said I don't know what can be done, but something should!Desired Settlement: Like I said above I don't know what I want. It's not like they can put my credit back. I most certainly do not want a credit card!

Business

Response:

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

Review: I have a capital one credit card. I made a 427.00 payment on 11/14/2014. Based on the posting time frame with states that payments submitted before 8 pm eastern time will be posted to the account the same day my midnight and the funds would be available the day after the payment post by 8 am eastern time. I made three purchase with the card after my payment was made and now I'm being told that the account is in the negative due to insufficient funds in my personal checking account when they tried to get the funds from my bank account that I was under the impression was already received by them. After contacting capital one about this I was told that they allow card holders to use the card after the payment is made within the posting time frame assuming that the funds are available and then capital one after a few days will debit the bank account for the funds. I am not pleased with this misleading process, because I made the payment within the time frame, and I was making purchases with the card under the assumption that the funds was posted and available to my credit card account.Complaint concerns: a Credit CardDesired Settlement: I would like a credit refund of 427.00 to my master card. I would like for capital one to be more specific on their payment procedures because the current one is very misleading.

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: My credit card was stolen over 5 months ago. I have been trying to log on to their website and access my account for the past 6 months and it has given me an error every single time. I have emailed them about my stolen card and my account problems, I have called multiple times as well. Each time I have called I am either directed to a machine asking for my account or card number, and I don't have access to either of those. When I finally got through to a person, they hung up on me 6 times right after I provided them with my social security number. The last time I called, the lady told me she had to transfer me to a different department but they were unable to take my call at that time and to try back in the morning. I now have horrible credit because I am unable to pay off my bills, and I can't see if I have any fraudulent transactions on my account either. It has been this way for at least 5 months. Due to this I have been receiving collection calls constantly, which I should not have to pay off collection billings because of a stolen card and denied access to my own account for over 5 months. I have also moved multiple times, and I am unable to change my billing address because of the website denying me access, I have not received any billings from them due to this.Complaint concerns: a Credit CardDesired Settlement: I would like to see my account and view how much money they are charging me for my overdue billings, as well as void all collections each company has attempted to collect. I find it completely unprofessional they would allow this to happen and cause my credit score to plummet due to their horrible customer service and denying me access to my own personal information.

Business

Response:

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

Review: Capital One billed me on more than one occasion when I had already paid the bill. In addition they added on an unautorized late fee.Complaint concerns: OtherDesired Settlement: No more charges from Capital One. Afterall I closed my account after I paid the last balance. No more stealing from Capital One. I don't want them to write or call me. I am going to call the police next time.

Business

Response:

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

Review: Recently I have made a change to my mailing address for my Capital One Credit Card Accounts due to personal reasons I would rather not discuss at this time. I have called numerous times trying to have my account unlocked after entering the incorrect password many times to log into my online account to check my statements for both credit cards that are issued to me from Capital One. Each of the customer service representative I have spoken to had informed me that due to potential fraudulent activity on my account, I would have to send the Fraud Department at Capital One a copy of my Florida Driver License, a copy of my Social Security Card, and also a bank statement and a utility bill to verify my identity. I have changed my address from [redacted] about three weeks ago due to a dispute with the other person that I was living with and now we have come to terms and worked out the problems.My complaint concerns: a Credit CardDesired Settlement: My current address that i'm at is at [redacted] and I feel that I have provided enough information to verify my identity to have my account unlocked where I am able to make both of the payments on time where they are not late and where I will not incur any late charges. This situation needs to be resolved in a quick timely manner since I have a payment coming up in the next 7 to 10 days. If this matter is not resolved in a timely manner, I will have no choice where I will have to contact my Attorney and take legal action where a possible lawsuit may be coming your way. Please have this matter resolved ASAP!

Business

Response:

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