Capital One Financial Corporation

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: 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: 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: 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: 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: I owned a business for 16 years and had a business credit card with capital one a majority of the years with them. I sold my business last year do to hard times I always tried to be fair with my debts however I would just pay my bills without really looking at the statement I thought I could never get caught up with them due to the fact my interest rate increased due to some late or missed payments. What I didn't realize is for years I was being charged money for some credit card protection plan that I had never signed up for and was not a part of the original agreement . I spoke to capital one about these charges right before I sold my business and they sent me to some other department to get it removed. That never happened on top of that I spoke with a customer representative that asked me why I didn't not feel I should have to pay the bill I told him for years I have been paying for a plan I never signed up for or new about so I didn't feel I owned them any more money because the amount they were trying to collect was less than the amount I had been charged for the plan I was being charged for. He said he would have someone contact me to see what they could do! I never heard back from him or anyone for months. I tried calling the numerous time to get a resolution that would work but they couldn't provide any answer for me on a resolution. They kept sending me to the protection plan department and that got me no where. Now my credit is being dinged for charges I never authorized. I would still like proof that I signed up for this protection plan! If one can not be provided I think this needs to be dropped from my credit. Thanks [redacted]My complaint concerns: a Credit Card

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 10831230, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I don't not agree with capital ones assesment of there explanation ! I never signed up for this plan!! I also was only inquiring what this was and since I had it why I had not known about it and if so if I was elgible to use it. I appreciate the gesture but I didn't call for a refund I called because this is affecting my credit and if they refunded regardless of what they say they are admitting fault I will only be happy if this is deleted off my credit other than that this is not satisfactory and the credit is great but this needs to be removed or we will continue to have complaints filed.

Regards,

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.

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 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: After 5 months, I never received my credit line increaseMy complaint concerns: a Credit CardDesired Settlement: Capital One needs to increase my credit line. I spent almost an entire week dealing with people after people who were is, including the supposed "Supervisors". I was supposed to have a call back over a week ago that was supposed to be within 24 hours and it now has been 9 days. My credit line WILL get increased within 24 hours

Business

Response:

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

Review: Constantly denied for credit limit increase for non of the mentioned denial reasons. Also capital one refuses to remove incorrect return payment from my account.My complaint concerns: a Credit CardDesired Settlement: A credit line increase and an adjustment to my account.

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.]

Firstly, the reason for my cli being declined is none listed on the website.

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: 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: 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 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 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:

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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 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: I have been a credit card customer with this company for many years. In that time I have always paid my bill on time and usually in full. I have also opened other lines of credit with this company for my business. This week I feel ill and as a result, my payment was 4 days late. When I went to the grocery store my account had been locked! I was unable to purchase a 4$ block of cheese. When I called the CS rep was helpful but I was told that regardless of my "excellent credit history" they now automatically turn of ALL USERS CARDS WITHOUT WARNING when they are late on a payment...even if you are still within your grace period! I was appalled. How can a company treat their supposed "loyal" and "valued" customers this way?!? I pointed out to both the CSR and Manager that they don't mind mailing me thank you letters and other erroneous junk mail but when a policy change like this takes place there is not even so much as a note placed on my account! I want to clearly point out that even though the CSR was apologetic and sided with me on the issue, reversed my late fee and even gave me back the interest I had paid as a result of my tardiness the fact remains that I was extremely embarrassed at my local grocery store . Furthermore, had I not asked to speak to a manager AFTER I PROCEEDED TO PAY MY BALANCE IN FULL WHILE ON THE PHONE THEY WOULD NOT HAVE LIFTED THE LOCK ON MY ACCOUNT !

Just to sum up: I have a large credit limit, pay it IN FULL every month and am always on time with my bills to this company....not even my cable company would turn off my television if I was 2 days late on a payment. Capital One should be ashamed!My complaint concerns: a Credit CardDesired Settlement: I wish to be contacted and apologized too. I also want this policy changed FOR ALL USERS that are in my category or better and I wish that a letter be sent to me and all users affected by this issue as well as a public reply be posted to this complaint on the Revdex.com Site showing that Capital One is willing to do what is right for their customers and not what is in their best interest. Also, any future policy changes like this should be communicated in WRITTEN FORM to ALL Capital One Credit Card Customers.

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:

My overall complaint against this company is the CUSTOMER SERVICE PROVIDED. In their response to my initial complaint they offered me $100 as "peace offering" but basically still told me I was wrong, citing the customer agreement. The purpose of my complaint was not to look for additional credits to my account, I was satisfied with those I had already been given as a result of my initial call to the customer service department. The overall purpose of my complaint was to enact change to the policy of indiscriminately cutting off users from accessing credit, REGARDLESS OF THEIR ACCOUNT HISTORY WITH THE COMPANY! For example, I have a relatively large credit line with this company, that I use and pay off IN FULL EVERY MONTH, yet one month I am 4 days late due to an illness and suddenly my credit is revoked? I feel that this is a terrible practice. I understand that if I , or other customers in my position, were chronically late, had bad credit with the company or both than this would be a reasonable action but to just send me a response stating "Here's a hundred bucks for your trouble and by the way, our agreement says we can do whatever we want, whenever we want and to whom-ever we want no questions asked because you signed it"...I'm sorry, that's un-acceptable. These actions by the company are in THEIR BEST INTEREST not in the best interest of both parties. These actions lead to humiliating consequences for their customers and worse, if the customers affected are not like me, these actions lead to what must easily be hundreds of thousands if not millions worth of fees for the company as a result of these predatory actions. This needs to be stopped and everyone should have the ability to find this complaint and see what could result by doing business with this company. In their response the company states that the services agreement states that they can take this action when ever they want. However, the service agreement is easily 15 pages, front and back, long and the type is so small that it would easily take a team of attorneys to digest the information contained within. Fine, however, my complaint acknowledged the possibility thereto and asked that, at the very least, the company institute a policy either being more selective of those that they apply these practices against or at least make it perfectly clear, either by large bold-face or separate letter, that this is a possibility. The company's response to me totally ignored that request and, again, just gave me a credit and told me I was wrong, read the giant contract. I am looking for more culpability and acknowledgement that what has transpired is, at the very least, bad customer service if not overtly vindictive against customers who don't deserve such actions. I ask that the representative that reviews this response review my initial complaint and acknowledge it accordingly, rather than throw money at the issue in an effort to try an hide the true issues by "shutting me up".

Regards,

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: 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.