Capital One Financial Corporation

Review: Last Friday I tried to purchase a Eurail pass with my VentureOne card for my upcoming trip to Europe, the purchase was declined. I contacted Capital One and asked why it was declined and they told me that they thought it was fraud so they cancelled it, which I can respect since it is such a big purchase. Over the phone they were very kind to me as they explained how I need to upload some documents in order to prove my identity. So I uploaded those three documents immediately and received a phone call shortly after telling me that they were able to clear my driver’s license and my social security card but not my credit card statement. They told me that I could mail in a bank statement or a utility bill or something of that sort so I uploaded another document of my bank statement from April. They told me that they could not validate that because it was not within the past 30 days so they told me to send in one from the past 30 days. So I uploaded another document of my bank statement from May, I received a phone call saying that they could not validate this because it did not have my bank account number on it. Which, does not make sense, I am not positive why my bank account number would have to be on it when you say I can mail in a utility bill to just prove of my residency. Anyways, the person on the phone told me to upload a photo of a voided check to show my bank account number, so I uploaded a document of my voided check. I asked the man on the phone if the person my case was assigned to (Heather) was available and he said that she would contact me within two days. This is where I get a little frustrated. According to Capital One, “Heather” called me on June 23 at 5:20 and because she could not reach me and did not get a voicemail she decided to close my account with no notice to me. I am not sure if she contacted the wrong phone number, or mistyped my number but I never received a phone call from her, I do not have a missed call from that time at all, and I do have a voicemail so she could have easily left a message for me. I am extremely angry that she closed my account, when ALL of my forms could have been validated. I was even more upset when I was on the phone with Michael and another woman and they were both telling me different reasons for why my account was closed. Michael told me that they could not validate my Social Security Card, which I know is false because someone cleared it almost immediately after I first sent it in. Then the woman I talked to told me that I sent in the same three bank statements, which I know is false because I sent in a credit card statement from Nordstrom, a bank statement from April, and a bank statement from May. So I’m not sure if someone just is blind and can’t read the difference from April and May, or they just assumed it was the same bank statement, but I am extremely disappointed that my account was closed after I had uploaded the proper documents and just because Heather could not reach me on the phone. I am leaving for Europe in 3 weeks, I need this resolved immediately.My complaint concerns: a Credit CardDesired Settlement: I leave for Europe in 3 weeks. I needed to purchase my rail pass LAST week when it was declined by YOU. I need my account to be reopened IMMEDIATELY so I can make this purchase by June 28. I wanted to make this purchase so that I could receive my bonus points but I do not see that happening unless you contact me immediately and get my account reopened.

If I do not hear from you soon I will contact you every day until this is resolved.

Business

Response:

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

Review: My credit limit is $500, and this company allowed a merchant to charge $657.70 OVER my $500 credit limit.

HOW does that happen when my credit limit is only $500?My complaint concerns: a Credit CardDesired Settlement: I want my account corrected and this charge reversed.

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 update this complaint once the claim with Capital One completed.

Regards,

Review: Someone attempted to open a Capital One Credit Card in my name (FRAUD. I contacted Capital One once I found out what was occurring to stop the process and explain that it was indeed FRAUD.

I was told that the application was closed and make FRAUD. However, within the next few days, I received a new credit card from Capital One (as it was my fear). Apparently the application went through and was approved ( considering that some of the information on the application was wrong (according to a rep at Capital One).

So when I called Capital One to clarify what exactly was going on, I was told that the account was closed, but I wanted to know how this fraudulent activity would affect my credit rating etc..

I was told that they could no longer speak to me on this issue and that it could take up to three months to correct.

Puzzling, how a company can open an account with false information in days, but not have the wherewithal, impulse and enthusiasm to correct their mistake in the same fashion as which it was made.

I have been a customer with Capital One on the banking and Credit Card side for years, and all I can say, you have a lot to learn. I will no longer be doing business with this sub-par institution. You DO NOT know how to treat you customers !!!My complaint concerns: a Credit CardDesired Settlement: I want this FRAUDULENT ACTIVITY removed immediately from my credit report of all three credit agencies, and would like a written conformation that this matter was handled.

Business

Response:

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

Review: Dear Revdex.com:

During multiple communications with Capital One, I have requested the Overdraft to be turned off from my account to avoid the account from being overdrawn. Representative from capital one were asked multiple times that we needed it turned off but either did not know how to turn it off or provided misinformation. This has resulted in 14 fees of $35 in the 10 days. We have explained this to Capital one but they have yet to take actions.

Account # [redacted]My complaint concerns: a Banking Account (Checking)Desired Settlement: Refund all fees.

Thank you,

Petros

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 issue here is not whether the fees were valid or not. The fees are by their very nature invalid as [redacted] has requested that the overdraft service be removed from the account at multiple occasions during our conversations with the representatives from capital one. This is why the fees need to be reversed. Customer had requested for the service to be turned off but was misinformed of the inability to do so.

Regards,

Review: I emailed the below to Michelle A[redacted], Director per instructions on 5/21

In March 2016 I received two overdraft charges to my account and I rang CapitalOne to inquire. I have explicitly stated in previous calls and when I set up my account that I did not want overdraft feature. It was confirmed in 2015 that it had been taken off.

When speaking to the representative in March, he bluntly advised there was nothing he could do due to the fact that the previous charges had been refunded even though I had explain the reason was is that Capital One is incorrectly placing these charges on my account. The representative said he would have the escalation team return my call and I advised him I was overseas for the next week and asked they call the following week. The week I was overseas CapitalOne called me THREE times wanting to resolve the issue. It was ~3am my local time each time they called.

When I returned to the US I called and was told there was still nothing NOONE in the entire organization could do. I rang approximately five times over the course of a month to have this resolved only to be told either there is nothing someone could do and they will have escalations call back or they would submit for investigation. After having noone return any of my calls I then submitted a verbal complaint with the representative and received no follow up or reply. After, I submitted a formal email with no answer or reply. I then called again to follow up and received the same "we'll have someone call you back"

My account and it has been CLOSED. The overdraft fees have been paid as a charge out and account CLOSED. I received no notification or correspondence alerting me to this. SO not only has capital ignored every single attempt I've made to resolve these charges, you have gone and closed my account without my knowledge and potentially added a black mark against my name credit wise.

I requested a written response over a week ago and have not received anything.My complaint concerns: a Banking Account (Checking)Desired Settlement: The overdraft to be reversed and any nonfiction to the credit bureau to be reversed.

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 provided no resolution. The provided documentation but I had changed this option 2 months after the account was opened and have had charges reversed as they were erroneously charged. I do not accept their response.

Regards,

Review: I Paid my account in full on 10/21/13 and also called in to customer service right after the transaction and shut the account. I just got a letter in the mail saying that my account is past due for $6.23. I called customer service and said how this can't be right. She told me that this was interest and late fees so I said interest on a closed account that was paid in full and closed by her team member!! She wouldn't remove the fees so I told her that I wasn't paying them and I was contacting the Revdex.com. This is totally fraudulent and if they did this on a routine basis how much more money are they taking from people. I never liked Capital One and this account was taken over by them which is why it's now closed!!Desired Settlement: I want the account to show a zero balance and no negative info reported to my credit report. I PAID THE ACCOUNT IN FULL TO BEGIN WITH!!

Business

Response:

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

Review: My mother has been getting calls from Capital On in regards to a credit card she has never had and they have sold the debt to a collection agency. My mother does not have any credit cards and have not had any for a long time. Upon calling Capital One they stated they need to verification from my mother to talk with me. My mother got on the phone and Capital One began to grill her for all her information and this made me very uncomfortable. I then stopped my mom from giving them to much information because companies normally ask for last four digits of SSN, but the person on the phone asked for the full SSN, her full address and birthday. I stated that she was asking for too much for verification and she should have the information in front of her if this is my mother's account. I felt what was given was enough to verify her identity. I feel the person was milking her for information to put her on the account and stated that fact. I feel that they are being fraudulent in the handling of this issue. My mother is 84 years old and has never heard of Capital One. Capital One states that the card is from 2006, but it has not been on my mother's credit report from ANY of the three major reporting agencies.Desired Settlement: DesiredSettlementID: Other (requires explanation)

For Capital One and The collection agency [redacted] to take my mother name off the FRAUDULENT debt and stop contacting my mother in regards to this non existent credit card.

Business

Response:

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

Consumer

Response:

The issue has been resolved. Thank you very much in your immediate response to this matter.

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 asked Capital One on numerous occasions to STOP calling my family's home for collections. I've wrote them emails stating such. I've given them my cell phone number and my work number. I received one call today at my work number, and told the lady I would call them and deal with the balance after 5:00pm CDT. I get a call from my Mother stating Capital One has been calling the house at least every hour. This harassment has got to end. I called Capital One once I was able after work and they wouldn't talk to me unless I gave them my SSN. I told the lady I was not going to give them SSN over the phone, to a call center in India or anywhere else outside of the United States. She then transferred me to a voice mail which I left a message to be contacted by someone within the USA. I'm 15 days behind on a payment of which I scheduled to pay online on the 24th.

How is it legal for a company allowed to do business in the United States, to Harass United States citizens..? Not once have they ceased calling my house number at my demands.Desired Settlement: Cease any and all contact to any and all phone numbers on file for my account except the two I've authorized: [redacted] work

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 three different credit cards with capital one and have a great experience thus far. One of the three cards (which is the subject of my complaint) was transferred to capital one from another entity. I had not used the card in a couple of years and had a zero balance on it therefore I did not have the card set up for automatic payments (my other two cards are set up for automatic payments). I forgot about this card because it was not in use, however around October, a member fee of 39.00 was assessed on the account as well as two subsequent late payment fees before I became aware of any these charges. I went ahead and paid the amount which was a total of $94.89. I however came to realize recently that my credit score dropped by 60 points because capital one reported the late payments. I called the customer service line on Saturday the 27th and the rep was kind enough to reverse the member and late payment fees. It was early in the morning and she informed me that I would need to call back an hour later to speak with a higher-level supervisor who could assist with getting the late payments removed from my credit. I was unable to call at the time she indicated, and just called today. Both the customer service rep and the supervisor I spoke with were not helpful and refused to remove the negative indicators from my credit. They insisted they could not control what another rep had told me and the only thing they could do was to file a dispute on my behalf and it would be up to the credit bureaus to decide whether to remove it. I explained to her that I understood the mechanics of the credit dispute process and that a bureau will only remove negative information if either the owner of the credit file proves that the negative information were unwarranted or the creditor requests that such information be deleted. I am requesting the latter and I know it can be done because other capital one customers have reported online that similar past due information were removed from their credit by capital one. Additionally, the rep I spoke with on Saturday informed me that this would be done. The supervisor was unyielding and stated that nothing can be done.Complaint concerns: a Credit CardDesired Settlement: Capital one has been kind enough to process a credit for the charges on my account but the negative reporting on my credit is of paramount importance to me (more than the refund, actually). I would hope capital one would follow through on promises made by a rep and as a courtesy remove the "past due" notations from my account. I understand that capital one is within its legal right to report this information, however I hope that by refunding the member fee and late charges capital one appreciates that this was in fact an oversight on a card that has been dormant for at least a year. Thanks.

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: Capital one took 2,007.39 out of my checking account and I've been waiting since july 2 to get this fixed everyone at capital one keeps telling me a different time line to which the money will be put into the checking account on july 10 I have talked to 7 different people and still can't get an answer on when the money will be returned to my checking account and because of this problem I have several NSF the coustmer service is horribleMy complaint concerns: a Credit CardDesired Settlement: the over charges put into my checking acct and the NSF paid back to me

Business

Response:

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

Review: I received an offer for a Capitol One [redacted] credit card from Capitol One [redacted] The reservation number on the offer is [redacted] I have permanently opted myself out of all offers of credit via the optoutprescreen.com process. I did not give Capitol One permission to make any credit card offers to me.My complaint concerns: OtherDesired Settlement: Please delete my name, address, and any other personal information from all of Capital One's mailing lists, credit card offer lists, and systems. I would like positive confirmation that this has been completed and that I will not longer receive any credit card offers from Capitol One

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 11451805, 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 reported to the credit bureaus for a payment that they are claiming was made over 30 days late. I have a receipt and recorded calls from representatives of this company stating that my account has NEVER been over 30 days late. I have attempted to resolve this issue, but was told to fax my dispute to a toll-free number, and someone would call me. Well I never received a call, but a standard form letter stating they would not correct the error. They have provided no return number.Desired Settlement: I want my account updated, and the negative reporting removed from my credit report IMMEDIATELY.

Business

Response:

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

Consumer

Response:

I am at this time requesting a copy of what they are claiming came from my bank stating no account. I had previously attached a copy of the verification of bank account and routing number from [redacted] bank.

Review: I attempted to make a trade, through the difficult to understand language and no warning of how long they were going to hold my money. I made 2 trades but all together they took out over $600 I attempted to get my money back in a reason amount of time but it take a week or more...They even told me it would be returned 3-4 days its been 6Desired Settlement: I just want my money put back into my account like yesterday like they said

Business

Response:

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

Review: I recently purchased a car financed through Capital One. My first payment was due on May 1, 2014. I made the payment on the 23rd of April and it showed as collected. I went online to pay some of the principle off yesterday and saw that my payment was in fact not processed and they are now requesting double the payment in June. My funds in the account were well above the amount for the payment and they cannot provide a reason as to why it was not withdrawn. Nobody attempted to contact me regarding this and now as opposed to helping my credit with on time payment history, I show a delinquent payment. I have attempted to contact Capital One and cannot get any help.Desired Settlement: For other consumers to be aware that Capital One does not follow up with people and can potentially cause financial issues as a result.

Business

Response:

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

Review: I reported several times that my identity was stolen last year. I still receive harassing phone calls a year later from Capital one. I don't know the account but I do know it ends in 7823. The amount is 119.71. The credit limit is 500.00.Desired Settlement: Leave me alone

Business

Response:

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

Review: I have has my credit card account with capital one for 7 years. After 6 months of on time payments capital one issues a credit limit increase. I have never received this increase. It has been seven years. Each time that I contact Capital One about this I am told that it is because of my fraud wet placed on my credit. However I have contacted all three credit bureaus and this is not true. My other credit lines have no problem. I have talked to multiple account manager supervisors who each have told me something different. I was told that the problem would be resolved 3 months ago. It still has not. Each time I call I am

Transferred from supervisor to supervisor with nothing every really getting.Complaint concerns: a Credit CardDesired Settlement: My credit line to be increased to reflect my 7 years of service

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: In 2008 I made the mistake of overcharging a credit card. Once I straightened my self out and returned from basic training I made attempts to reconcile my debts. Capital One has made my credit, and my effort to fix the problem, useless. I started getting my credit reports regularly in 2011 and made several calls to the Capital One customer service representatives who informed me they could not do anything for me because they pushed my debt to a debt collector, which nobody can provide me the name of. I filed a dispute in 2011, 2012, and 2013, and here shortly, 2014's dispute to have the information removed from my report. The account was charged off in 2008 and the amount is something like 2,000, but my credit limit was significantly lower than that and I did not make purchases to that amount. Since the account was charged off, Ive also learned that in 2006 an account in my name was opened with a 0$ balance but is shown as revolving credit. I was 16 in 2006 and didnt open any account at all. I tried to negotiate a settlement with Capital One to remove that account from my report and report my charge off as paid if we reached a fair price being that the NYS statue of limitations where I was issued the card says they could no longer attempt to collect. So in good faith, I tried to reconcile but they have "no record" of my account and could not assist me with anything. Ive been serving the country for 4 years, I know the meaning of integrity and I know how to take responsibility for my actions. I have made numerous attempts to communicate with Capital One so I can move past the black mark on my credit that is now interfering with my financial mobility for not only me but my family. I cant seem to understand why al of my disputes have been responded to the 3 major reporting bureaus but nobody at capital one can seem to justify my "open" account or my charge off. It has been going on 7 years now and I have just exhausted all options to fix my mistake.Complaint concerns: a Credit CardDesired Settlement: I just want my open account to stop being reported and explain to me when and where that account was opened in 2006. I was 16 I couldnt open an account by myself and I was never aware of this account. I believe my mother opened something in my name and has failed to let anybody else know. Additionally, I want/need Capital One to either settle with me on an amount or stop reporting my charged off account. None of what they tell me makes any sense. If they can justify my account details to equifax, they should be able to do it to me. For 4 years now I have been fighting this battle with them and Ive had it. I just want it off my credit or changed to Paid, and Im willing to settle with them.

Business

Response:

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

Review: I overpaid, they sent me a check for the credit due on my account. When I cashed the check it bounced. They re-issued, I cashed a second time and it bounced again.

They've taken my money and I want it back, I was willing to eat the NSF charges, but now that they've send me a second fraudulent check I want to reimbursed for the NSF charge.Complaint concerns: a Credit CardDesired Settlement: $114 - They've taken my money and I want it back, I was willing to eat the NSF charges, but now that they've send me a second fraudulent check I want to reimbursed for the NSF charge.

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 haven't been given my money. Capital One took my cash and has yet to pay me back.

Regards,

Review: no knowledge of this consentDesired Settlement: I would like it removed from all 3 credit reports

Business

Response:

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

Review: I have a credit card with Capital one. There was another cardholder on the account, [redacted], back in February 2015. [redacted] made charges on the account and made a $300 payment as a responsible cardholder at the time in April. I then had him removed from the account because we were no longer partners. He was just recently able to have his payment refunded and now I am stuck paying $300 of his debt. Capital one should not be putting this $300 charge on me when it rightfully belongs to the other card holder, [redacted]. He was a cardholder at the time of payment so it should not have been legal to reverse it.My complaint concerns: a Credit CardDesired Settlement: I would like this adjustment to be removed from my account since it was not my debt and now it is 6+ months after the charges even took place. Capital one should not have refunded money to a person who was a card holder and made a payment they were responsible for.

Business

Response:

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