Capital One Financial Corporation

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: Capital one is fraudulent. And first let me also thank Revdex.com for their customer service and help to our community of people such as I striving to work hard to make a living honestly and in today's world customer service and fraudulence is at an alarming rate. I am overwhelmed with disbelief. I was made aware of fraud charges on my account and rectified this SO I THOUGHT by calling and getting another card but the charges were never taken off my account. And every time I called I spoke to someone in Philipines which were kind but I could NEVER understand them nor could they understand me and they left me on hold forever never solving this issue. Then tried online to my dismay I was told to call the 800 number .. I also told them I was being charged $30 a month in interest charges....THIS IS LUDICROUS...no one has helped me out. I have been passed on to cust service person one after another. It is now 12:45pm and I have been at this since 11:15am this morning. What is happening in our country?? God help us all. I need to report them for OVERCHARGES WITH INTEREST AND FRAUD CHARGES NEVER TAKEN OFF MY CARD. Thank you so much for your patience with my report. Respectfully, nancy s. palmerMy complaint concerns: a Credit CardDesired Settlement: The interest charges need to be credited to my account along with the fraud charges someone spent on my card.

Thank you so much again.

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,

Thank you so very much for your service! Its appreciated.

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: 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: 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: Around July of this year Capital One purchased my credit card company and took over the billing process. I did not find out until my wife, [redacted], opened a past due notice from Capital One. She handles all of our bills and hadn't received a new card from them and if notification was mailed, we didn't get it. She, therefore, didn't know we had Capital One when I received the bill so she called. They explained that they had purchased our credit card company ([redacted]) and this was the bill. She explained that we hadn't received notice of that or a previous bill (our other cc company was on auto pay) but if they would tell her the balance due, she will pay it off and close the account. The Customer Service person gave her the balance amount and my wife paid it from our bank debit account. She asked directly if this was all that we owed and she was told yes. The following month we received a bill for about $8. She called and they said 'sorry, there was still a balance on your card. It was interested that posted after you paid it'. My wife explained that as far as she was concerned, she was given a payoff amount and she paid it and we are done. A manager was put on the line who agreed that the amount would be reversed and the account closed but that I, as account holder, would need to call to facilitate that. This phone call took about 40 min but she was assured that the details had been noted and I only had to call and confirm. I called that night and after going round and round with them about 20 min they finally agreed to reverse amount and close account. Last month, I received another bill for about $16. I called again and after a repeat of previous calls, they agreed to reverse the amount and close the account. I just opened another bill for $21.80 which included a $15 late payment and credit adjustments adding up to $9.93.Desired Settlement: ALL charges need to be reversed and the account CLOSED for ever!

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,[redacted]

Review: I have repeatedly asked Capital One to send statements regarding our Line of Credit account - dating back to early 2011 - and to date, I have not received any documentation. I spoke with them on March 12, 2013 and was promised that I would receive the document in 4-6 weeks - I'm still waiting. I called again today, October 21, 2013 - and once again, received the run-around. I now have to fax a request for payoff information and my statement request would be filed with the request department. I am completely fed up with Capital One's business practices and utter disregard for customers legitimate requests for information. I am going to attempt to fax them and request documentation dating back three (3) years. Kindest Regards, [redacted]Desired Settlement: All I ask is for documentation showing my payment history, interest rate and balance. I just want a statement!

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 find that this resolution would be satisfactory to me. Capital One has already mailed a statement to me and emailed a payment history to me as I requested. I will consider my complaint resolved satisfactory - as long as I continue to receive current statements on my account. If the company does not perform as promised I can get back to you at: [redacted].

Review: I have been a loyal customer to Capital One for 9 years. Recently I was divorced from my ex-wife. In our paper work it was said that I would take on the Capital One debt. She was not supposed to use the card and did so causing over 400 dollars in over the limit charges and fees. After contacting Capital One they said they could not do anything as she was previously an authorized user. After this I contacted Capital One I would pay the bill in full when I received my income tax return. They agreed and I did make the payment in full. After checking my balance this month I found out my account has been closed out. After calling the customer service line they informed me there was nothing they could do and no one else they could transfer me to that could help. I made the payment as agreed and have been a customer for well over 9 years. Is this really what we call customer service??Desired Settlement: I would like to have a corporate executive contact me and reestablish my line of credit as I have been a loyal customer for so long.

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 June 6, 2014, I obtained a copy my Transuinon, Equifax and Experian disclosure file and learned that a hard inquiry was listed in my credit files from Capital One Auto Finance, Plano, TX on 2/6/2014 with a reference number [redacted]. I contacted Capital One Finance at [redacted] and spoke with the fraud department. I learned that an application was submitted online using my personal information. I also learned that the perpetrator had provided an incorrect address, telephone number, email address that was not my information. I was advised to file a dispute with the credit bureaus. The credit bureaus advised me that hard credit inquiries cannot be disputed and that I would have to contact the merchant to dispute. I contacted Capital One Auto Finance shortly and was advised to mail a copy of the details regarding the unauthorized inquiry and that Capital One Auto Finance would flag my personal information in the event another application was submitted. On 6/14/2014, I received a letter from Capital One stating that based on there investigation of my records, Capital One believe that their original determination is correct. I contacted Capital One on 6/14/2014 at [redacted] and spoke with a Supervisor named [redacted] ID# [redacted] who advised me that she did not understand the letter and could not provide me with any information regarding the nature of the reference number or content of the letter and that the letter was most strange to her.

Never did I authorized anyone to use my personal information to assume an auto loan with Capital One Auto Finance for 2/6/2014. It arbitrary that Capital One Finance would force me to accept this fraudulent and unauthorized activity as if this was me. I am appalled that Capital One Auto Finance would hold me responsible,as I have provided their company with the required information.Desired Settlement: I am requesting that Capital One remove the hard inquiry from my Transunion, Equifax and Experian credit file, as I have no association with the application whatsoever. Also, I am requesting that Capital One Auto Finance issue me an apology for taking me through all of these steps to clear my name of such activity.

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: My [redacted] was repossed around November 5, 2014. I do understand that it was my fault that I defaulted, but Capitol One sent me numerous letters stating that I had a couple of options if I wanted my car back. The first was pay in full the rest of my loan (over $10,000) or attend a public auction held for the [redacted]. I thought that I would be able to pay the company a portion of that, but they claimed their policy is to pay in full once the car is a repo (not in any of my paperwork). I knew that I didn't have the $10,000 so I was depending on the public auction to be able to get my car back. I was in constant contact with the repo company and Capitol One. Capitol One Auto Financing Company knew that the company, [redacted], did not hold public auctions only private and this was told to me from United Auto Recovery. They also told me that they list the cars in the paper for a few weeks and that was not done. Capitol One sold my car for $5300 dollars, and the [redacted] value of my car is $5500. This is too much of a coincidence.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I had wanted my fiance and I to attend the auction to see if it was possible to buy the car back, and to be a witness of the proper sell of the [redacted]. I would like to be compensated for the violation of my state rights to request a public auction. I have copies of letters, faxes, and telephone correspondence with both Capitol One and [redacted] since this has taken place, I could only upload one paper at a time please let me kn

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 never used Capital One services. But they have created a huge problem for me.

I recently moved from Iowa City to Albany. I went to open a bank account and was informed that I have a lower credit score because Capital One has reported to the credit bureau that I owe them $128. The truth is that I don't have any dealings/accounts with Capital One. I tried calling Capital One to fix it, since my credit rating is lowered due to their report, in November 2014. I called 3 times.

Capital One says that they don't have me in their system. They want ME to get a credit report and send them my details.

I moved recently, the Credit bureaus will not give me my credit report. I have tried to file the request but they have denied it.

So now, I have a lower credit score becasue of Capital One reporting that I owe them money. But I have never previously had any accounts with Capital One. Though they have made a huge mistake, they won't correct it unless I send them my credit report. But I can't get a credit report since I moved recently. So basically I am stuck because of the poor work and wrong reporting done to the credit bureaus, by Capital One.

Can you please have Capital One take the responsibility to clear my name, since I have never owed them anything ever. And if I do owe them (which is impossible), they should have the decency of contacting me directly. They cannot harm citizens this way. They are trying to destroy lives. I have many students that I teach and will have to warn my students to be very vigilant of companies like Capital One, which can destroy them.

Thanks much,

[redacted], MD

Professor [redacted]My complaint concerns: OtherDesired Settlement: They must IMMEDIATELY call the credit bureau and withdraw their fake complaint. My life is at a standstill becasue of their wrong.

Thanks much, ar

Business

Response:

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

Consumer

Response:

Thank you.

Review: My name is [redacted] I'm an 84yr. Old retire I've been receiving harassing and threating phone calls from capital one, My 42yr. old son [redacted] used my address and phone number, He has resided in Nevada for 8yrs. The last two days they've been calling after 10:30pm , I've suffered a stroke last year and I'm currently on 6 different medications, I sincerely thank you for your time an patience in the above matter.My complaint concerns: a Credit CardDesired Settlement: Contact thru the [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,

[redacted]The customer got in contact with Revdex.com and said that these calls have stopped.

Review: In April 2016 I was working with my local bank to pay off credit cards to help increase my credit score in hopes of finding the best interest rate on a new home. After paying off some debt, in error, some of my credit cards were closed. Other credit card companies I had accounts with had no issue re-opening my accounts immediately. In trying to build my credit score back up I would NEVER close an account that has been actively reporting as that would just drop my score, which in this case my score did drop. Capital One said that they could easily open my account back up ending in 2411, but a letter would need to be faxed into them from my bank saying the account ending in 2411 was closed in error. We had faxed the letter at least 3 times over the course of two months, every time I called back in to check, Capital One said they had not received the letter yet, but once they received the letter they would open the account back up. I called again last week and was transferred around at least 4 or 5 times to different departments, once again being told they had not got the letter from my bank. We faxed it once again. Today I received a call back from Capital One with a rep telling me the letter came in and they cannot open my account because it has been closed for over 30 days!!! This is just unbelievable. I have been fighting to have this account opened back up for months, and now I am told this news today it cannot be opened back up. I asked to speak to a supervisor and was told no I cannot speak to a supervisor. The service I received from this company is just TERRIBLE and I spent COUNTLESS hours with no result to my issue. It is stressful enough trying to buy a new house, and when my account was closed without me knowing it is just WRONG and Capital One should think about their customers and offer a better service.

My complaint concerns: a Credit CardDesired Settlement: I would like my account ending in [redacted] opened back up with my $1500 credit limit as if it was never closed in the first place.

Business

Response:

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

Consumer

Response:

Thank you so much to April for taking care of this. I see that my account has been opened back up. It is unfortunate that I had to submit to the Revdex.com to get this taken care of, but I am very pleased that the account has been opened back up. Thank you for your help and assistance. Regards,[redacted]

Review: Have contacted the company numerous times to cancel credit card. They continue to bill me .50 a month for a minimum interest charge on a zero balance. When I call to correct this error EACH month they say they will remove the charge and cancel my card. The next month I get a $5 past due fee and a .50 minimum interest charge. This has gone on for over 6 months. I have no used this card in over a year and have been trying to cancel the card to no avial.Desired Settlement: Close account!!

Business

Response:

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

Review: I received a credit card in the mail and destroyed it because I did not want it. The company calls my home leaving messages for me. I finally call them back and they ask me if I received the credit card I requested. I thought they were with [redacted] company regarding several gasoline cards I had applied for. So I told them no I didn't receive the cards yet. I received this capital one card again and destroyed it as I never applied for a capital one card. I receive a bill from capital one for $100 past due relating to this account that I never applied for. I called and requested this to be removed, I destroyed the card as once again I never applied for it. They told me I would receive a letter in 7-10 days. That was two months ago. I called again. The same response given 7-10 days to clear. These people are calling my home minimum 5 times a day. I want this stopped. They should not be allowed to send credit cards in peoples name and open accounts when calling to verify receipt of such credit card. This seems like fraudulent way to deal with people.Desired Settlement: All charges for this credit card be removed. The credit cards were destroyed both times they were sent. This is a very dangerous scam. What if someone got my mail and opened this account since they are sending credit cards to people who never applied for them. The phone calls need to cease.

Business

Response:

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

Review: The company has processed an unauthorized credit transaction on my credit card I did not use. they have send it to the credit reporting agencies which has affected my credit rating. I have complained about this issue and capital one has failed to remove it and the late payment from my credit report. the charges on the account was $12.50 which doesn't belong to me was reported to the bureau. , I have reported the case to the [redacted], Police department with case [redacted]. the bill of $12.50 plus $72.51 interest for 60 days has been force to pay in February 2013. I need this late payment remove from my credit report.Desired Settlement: A letter to the credit reporting agencies that the charges are invalid and should remove the late payments off my credit report.

Business

Response:

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

Review: May 2013, I paid my Capital one bill online; I usually pay it over the phone but, that month my daughter graduated college, the same day it was her birthday and she got married that same week. Initially,when I paid my bill, the payment amount was supposed to be $15.00, but, somehow, the payment amount ended up being $300.00. I found out 3 days later when I called to check if the payment had gone through. I constantly monitor everything because I cant afford any type of fee's. Overdrafts, over limit or late fee's. As soon as I found out I immediately called Capital One to inform them; I only wanted them to receive $15.00 not $300.00. The [redacted] @Capital One instructed me to send a fax of proof that I received an overdraft fee and I would be credited once they had proof of the overdraft. I jumped up, the same day, and ran to the bank to get proof of the transaction. At that time, I was told, the overdraft was not official because, it had just happened so my bank gave me a sheet of the transaction and said they couldn't send the fax for me that day. I went back home and faxed the paper from my home and my bank called the paper,"DDA statement Inquiry", dated 5-24-13. Furthermore, I also faxed a letter explaining what had happened to Capital One's Payment Investigation Department. Meanwhile, no action was taken by Capital One and, my bank had an overdraft. I kept calling to see when it would clear up and after several calls I was told to send another fax to the Fraud department @Capital One. Still no action was taken. Afterwards, I called again and someone told me they never received the $300.00. So they didn't need to give anything back. Then someone else @Capital One told me they still needed the $15.00; so I said,"Alright, take the $15.00'. They appeared to take it, but I don't know if they did or didn't. It is now November, 6 months later and still not resolved. Capital One is requesting $700.00 my credit limit was only $300.00. Every time I call no one tells me why the amount jumped to $700.00 when I only owed them $300.00. My bank investigated the matter and closed it but I don't know if Capital One paid back the money to my bank or if my bank gave them any money. Every time I ask no one tells me what happened. Furthermore, before this incident I paid Capital One on time every month and was in good standing. I don't know what else to do to straighten out this matter. Capital One continues to send incorrect statements and when I call to ask why they continue to tell me to pay double the money I owe and I still don't know why. On top of that, this credit card, is going to charge off, according to the incorrect monthly statements' they continue to send. Please help me; this has been overwhelmingly exhausting.Desired Settlement: Want to resume my regular monthly payments. Want them to explain what caused my card to jump up to $700.00. I just want my credit to be straightened up.

Business

Response:

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

Review: Capital One: As I have written to you before, I did not incur this charge. The original charge was for $386.49. Even after I informed Capital One in writing that the charge was fraudulent, Capital One has chosen to continue to pursue the charge against me. Capital One has also attached subsequent charges bringing the total up to $417.46, even though I reported the charges as fraudulent prior to the accrual of any interest, late fee or penalty. I am not paying this charge; not the principal, not the interest, not the penalty. As I explained in my last letter, it has been fully 5 years since I used this Capital One credit card. In terms of consumer protection, it is completely unacceptable that Capital One would accept without question a charge against an account that had been dormant for 5 years. I feel confident that any jury would concur with that conclusion. Further, since my Capital One account has not been in use for 5 years, I strongly suspect that the misuse of the account came from within Capital One. I do not see how else the credit card number could have been accessed. Again, this constitutes a breach of even the most basic consumer protection. I am again asking you to cease and desist in harassing me about these charges that you in negligence accepted. I am distributing this second reply to certain consumer protection advocates, for their awareness. IfCapital One continues to harass me in this matter I will file formal grievances with consumer protection advocates. Sincerely, [redacted] Cc: [redacted], [redacted]Desired Settlement: Unspecified

Business

Response:

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

Review: My $975.00 rent check for May was fraudulently deposited by a Capital One bank in Richmond, VA--the company's headquarters. I've been working with my bank, ** for the last 7 months. For over half a year Capital One has refused to answer/acknowledge multiple overtures and inquires.

After going over the check's fraudulent endorsing from Capital One, a representative from ** said it looks like the it was done internally. I am currently a Capital One card holder and I am now extremely concerned about my account and consumer security.Desired Settlement: I would like Capital One, Inc. and ** to effectively resolve this matter and explain why my security was breached.*

Business

Response:

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

Review: I have been with Capital One credit card services for many years. I have been concerned that they haven't raised my credit limits since the last time I spoke with the woman who handled my complaint from the Resolution's Department concerning this glitch they called it the first time. The took care of it and told me that I should NOT have any problems and each year if I want to submit a request for a credit line increase on my accounts that I should not have any issues with this. I requested this quite a bit using their online system and would get a declined message with different reasons that varied on my accounts that really had no burden on my situation since I am always on time and never late and never over the limit either. I have a stellar payment history with Capital One and therefore I should not be mistreated and or denied these increases and according to the last representative that I dealt with as well. I then called the Resolution Department and they were not willing to even do anything and provided me with more excuses as well as always I ended up back to square one and more confused than ever on the situation.Desired Settlement: I would like to see Capital One come through with their integrity and word of promises. I have been told many different stories when it comes to this and this is just more frustrating to have different people promise the world and cannot give me a simple request. My requests actually benefits them as well as a good customer who is mature and responsible of my accounts should never be penalized for good customer experiences! I really am shocked and surprised that Capital One would refuse my request with my excellent handling of all my accounts.

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.

I am not accepting the reasons that were stated by Capital One because this is so not the situation here. The accounts in questions range from well over a year such as account ending in #[redacted] have not been raised in more than a 12 month time frame. Account number ending in #[redacted] has been closer to 24 months since any type of raise was made to this account. Account ending in #[redacted] also has not been raised since complaint last dated in Spring of 2013 as per noted with the Revdex.com. There is no valid excuse that Capital One could use to refer to my account request of having credit limits increase as since then 3 of 5 accounts were paid in full with zero balances, the time frames are well past their normal requests for credit limit increases and my payment and usage activities have always been in outstanding reputation. Why would a customer with five accounts in such excellent status and responsibility with their accounts have to be declined for a simple and yet well deserved request?

Regards,