Capital One Financial Corporation

Review: paid off the loan yet still showing on my credit report. was told it would come off over a year ago. affecting my credit.Complaint concerns: an Auto LoanDesired Settlement: repair my credit report. remove the item from my credit report that was promised a year ago that would be removed.

Business

Response:

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

Review: I have been stuck on the Credit Card hamster wheel with Capital One for awhile. I don't use the card, I just want to get it paid off and I've been trying for two years. I contacted Capital One last Thursday and told them I'd really like to get some help paying this card off, and if the interest rate could be lowered that would greatly help. I was told that if I made a payment of $218.00 on Friday 5/1/15 (which is not my payment date) that I would be eligible and that I should call back to get my rate lowered. I made the payment on Friday as promised and then got online to contact a representative. I was informed that they would not lower my interest rate. I can only assume that the promise was made just to get money out of me. I have made so many payments on this card that I've probably paid what I actually spent three times over or more. There is also a $5.00 monthly members fee on the card that wasn't there when I originally got the card years ago. Just another way to rip customers off.Complaint concerns: a Credit CardDesired Settlement: Since I have made it clear I am willing to work at paying off my debt, I would hope that Capital One chooses to work with me as they have with others I've spoken to. I would like to have a 0% interest rate for one year to pay the card off. I know this has been done for other people, and since I've paid what I actually spend many times over, I think this is acceptable for both me and Capital 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 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 was told by Capital One before (perhaps two years ago) that help wasn't available for current accounts. Things got tougher and the account got a little behind this year. So when I reach out for help I'm told if I can make a $[redacted] payment (which is a lot of money that can pay several bills) to get current help would be available. So I forego food for the week to scrape together the money to ultimately get some relief and I find out I've been lied to. All I keep hearing is "no offers are available" for my account. I've been run around enough, I will not accept this offer. I'm not playing any games, and that includes going through an automated system to try and speak to a rep who is going to tell me the same thing and then be transferred to a supervisor, who is going to tell me the same thing. I plan on paying this account off and closing it, an annual fee is ridiculous considering all the interest you've made off of me. There are much better credit card companies out there who offer lower rates, no annual fees, better rewards, and are willing to work with their customers.

Regards,

Review: I signed up for a capital one credit card, under the advertising for the card I was promised 100 card credit upon initial signup if I spent 1000 dollars in 3 months. I spent over 2000 dollars in the first 90 days. I was never given a credit I was also charged a yearly fee in the first statement although the card agreement stated no annual fees.

after numerous attempts and correcting the issue, I was told that I was given a different card because of my credit score and because I had numerous delinquencies on my account. after verifying the info with all 3 credit reports the statements provided by capital one have been false. I decided to cancel my card and requesting the following outcome outlined below.

My Name is [redacted] the last four of my social is [redacted] the billing address is as follows [redacted] billing phone number is [redacted]My complaint concerns: a Credit CardDesired Settlement: deletion of all credit inquiries from my credit report for accounts ending in [redacted], [redacted], final closure of my account and deletion from credit bureaus. removal from any future mailing list.

Business

Response:

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

Review: I signed up for a cashback checking account with Capital One. I was told when I sign up and as clearly stated in the terms and conditions, that I would get $0.10 cashback for every withdrawal transaction without minimum amount. However, they arbitrarily decide after the fact that they did not want to reward me for the small $1 bill pays I made to my credit cards, and yet they refused to tell me at what minimum amount they would count it for the cash back. Another words, false advertisement for their cashback checking program, do not abide their original terms and conditions, and changing the rules without providing customers with a updated terms and conditions, and refused to provide customers with clear explanations of terms and conditions.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would appreciate if the company would honor all my withdrawal transactions and reward me for them regardless of amount. If they should choose to change their terms and conditions, send me the updated clear and easy to understand/follow set of terms and conditions with no contradictions (make sure to include the effective date).

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 appreciate the business's honesty in recognizing the validity of my complaint. However they still have not fully credited my account with the appropriate for all the debits that were made on my account. The special reward of $9.40 that was credited on 8/26 seem somewhat arbitrary to me since it does not correspond to all the debits I made in the previous month. I understand that the rewards may take up to 60 days, so I will be looking to see if they will make further credits for small debits ($1 or less) that has not been credited yet. Currently, I notice that their system will only automatically credit me the reward if the debits are more than $1.

Regards,

Review: On 7/29/2014 Capital One obtained my credit report. I did not authorize that. Their inquiry is reducing my credit score. I wrote them on 12/28/2015 and 1/26/2016 requesting they remove that inquiry. They have not removed their inquiry from my credit reports.My complaint concerns: an Auto LoanDesired Settlement: For the credit inquiry to be removed from my credit bureau reports.

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.

They document they made inquiries of my credit bureau accounts. That supports my complaint.

Review: Continuous lies about billing, they admit mistakes, yet refuse to correct them, I have recorded conversations as proof and they still refuse to listen and or review theyre own recodingsMy complaint concerns: a Credit CardDesired Settlement: Admit that they lied and correct the issues, all conversations recorded, they say it's against their policy for customers to record conversations.... yet they do....

Business

Response:

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

Review: This loan does not report correctly and even after multiple attempts to correct the reporting with no resolution.

My complaint concerns: OtherDesired Settlement: I ask that this account now be removed

Business

Response:

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

Review: I am the victim of credit card fraud. I reported it to Capital One and they supposedly investigated it and have proven it is fraud. I am still not being credited back to my account for the amount of the fraud [redacted]. Therefore, I am still being penalized for fraudulent charges. I am federally protected against this, right. How come I am being penalized for it. They say I may not see the money back in my account for up to 90 days as they are waiting for the merchant to refund them. That is not my problem, I did not purchase the items therefore why is my account being penalized because of fraud activity. I want the [redacted] put back on my account as it is and was proven as fraud. I feel their practice is not right when I am a victim here.My complaint concerns: a Credit CardDesired Settlement: I want the [redacted] fraud charge back on my account.

Business

Response:

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

Review: I called to find out my card had been declined while shopping tonight as I knew I had money on it, sudden there was a fraud alert on my card. I spoke with #1-person male who verified everything(last 4#'s of my SS#, phone#, address, name), than asked me to hold, his line disconnected, I called back spoke with a woman-#2 who seemed to be annoyed I called & was very rude asking the same things, now including asking me my Pin#, when I started my acct, & I stated I didn't remember when I started my acct as it was originally a household acct that capital one took over earlier this yr. I asked for a supervisor as I told her she was violating my privacy rights by asking for Pin#, she than falsely accusing me of fowel language when I didn't say anything except ask for a supervisor. #3 was an Indonesian woman who again asked for the usual last 4#'s of my SS#,phone, address, got put on hold again only to wait another 10min after alreay spending 20 min trying to resolve this issue, asked for a supervisor, got another Indonesian person asked for someone who spoke English-American. Spoke with a [redacted] who asked the same including me to fax my SS# & DL to them, this is not a secure why of verifying me, anyone could fax that & it doesn't prove that person faxing the doc. is me. I advised him I was filing a complaint as I had already verified who I was more than enough times & they still didn't take the fraud alert off.Desired Settlement: DesiredSettlementID: Other (requires explanation) Apology letter from everyone I had contact with including Capitol One CEO & he needs to fire the 2nd employee I spoke with as she has very bad attitude when speaking with customers,she also had me on speaker phone, with other laughing in the back ground when I asked to speak with a supervisor. Very unprofessional way of handling things as well as a privacy issue by asking for Pin# for verification purposes. I didn't know her or who she was & if

Business

Response:

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

Consumer

Response:

I advised the fraud dept that they need to have a better way of identifying someone without giving out their pin # in which someone in there dept now has access to a clients account. Anyone could fax my SS# & DL info to them if they stole it, this doe not verify that that person faxing the info is truly the client.

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: Ref Acct# [redacted] On March 12th, I got a credit report alert that negative information was posted to my credit report.

I logged in to see the details and noticed that it was for Capital One for a 30 day late.

This cause my score to drop a whopping 65 points! I was irate(still am)!

This is bad as we are to refinance our house in April.

Doing some due diligence, I have looked at what caused it.

I logged into my account as I have not had any communications with Capital One regarding a bill either via email or paper.

I then noticed that I had a balance on the account of $330.46. I thought that was a bit high.

I looked deeper into the previous statements and noticed two late fees:

02/04/2014: $25.00

03/04/2014: $35.00

I immediately paid the FULL balance of $330.46

I never gotten an email about statement nor a paper statement

Then I noticed that my account had a message, so I read it:

It was dated 01/18/2014 and the summary stated it could not send me an email, but nothing has changed, my email address is the same for 10+ years and nothing occurred to force blocking.

Once this occurred, why couldn't Capital One notify me via postal mail?

I then talked with the account team via chat and they said that I needed to file a credit report dispute.

Why do I need to do that when its truly an error on Capital One's part?

Here is the message I received:

Date:

January 18, 2014 04:38 PM

Subject:

Please confirm your contact point

Message:

Hello [redacted] We’ve been unable to deliver alerts that you requested to [redacted]. This message will explain how you can help us make sure you receive them.

Below you’ll find the most common causes for not receiving alerts and the fixes you can make for any that apply to you:

- Your e-mail address or phone number may be incorrect or invalid—please update or confirm your contact point (indicated by a “Failed” status) on the Alert Contact Points page.

- Your mailbox may be full—please delete old e-mails from your mailbox to free up space.

- Your e-mail filter may be blocking alerts sent from our e-mail addresses [redacted])—please add these addresses to your e-mail address book. This will confirm that you want to receive alerts from us.

We hope this information helps to resolve any issues and you begin receiving your alerts promptly.

Thanks for your help.

Regards,

Capital One Online Banking TeamDesired Settlement: I want the $60 in fees refunded to me

I want the 30 day late removed from my credit reports AND account history and Credit reports to reflect UPDATED BALANCE of ZERO.

Credit Limit Raised to $2500.00.

Business

Response:

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

Consumer

Response:

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

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

Regards,

Review: As of last year Capital One has restricted my accounts and for that I want them to close the accounts that are under my name.Desired Settlement: Capital One Financial Corporation Cancels all Credit Cards related to me.

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 moved to California and unable to go to a local branch because there is none in California

I trying to close my CD with capitalone without any luck.

I spoke to customer service and the mailed me forms and I never got a response, I called again and was told that they not received anything I mailed the forms again to a different address and no response again.

This is going on for more than two months.

As directed I mailed the forms to two different addresses in Virginia

P.O BOX 12021-0210 Richmond Va, and 10750 Capital One way Glen Allen Va.My complaint concerns: a Banking Account (Certificate of Deposit)Desired Settlement: I just want that somebody will contact me to close the account and withdrew the money

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 been a loyal customer since 2012 and since then my credit worthiness has improved. My apr interest approx 15% and prime interest approx 4% leaves me with combine interest rate close to 20%. I believe when I am applying for cards with 0% interest promo or apr lowest interest cards, they are using a scale base on race and income and over working my credit worthiness. This practice has been evident with banks and car dealerships.My complaint concerns: a Credit CardDesired Settlement: I need to be provided a copy of credit profile and look at how my interest slowly has been increasing since this wrong practice.

Business

Response:

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

Consumer

Response:

I have reviewed the response from Capital One in reference to complaint ID [redacted], and find that this resolution has only provided a report of my variable and prime rate fluctuation from 0% to 19.15% with periods of a lowered interest. A representative informed me of the option to apply for a Capital One card to see if I qualify for a low interest apr which I didn't think to do. I value good customer service, listening ears and problem solvers. The last two csr representatives of Capial One I spoke were helpful and knowledgeable. I will keep the proprietary information in mind when I choose to seek other services from Capital One.

Review: this company is sending me credit card offers im not interested in those cared I want them to stop send them to me in my postal mail box.Desired Settlement: I would like the Revdex.com help on this issue I want this company to stop send me credit card offeres im not interested I want them to stop NOW!

Business

Response:

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

Review: https://www.capitalone.com/credit-cards/platinum/

The above website link contains the advertisement for the Platinum card. Under these pretenses, I signed up for a card awhile back. I was charged an annual fee of $19 this month. The website advertisement clearly states $0 annual fee. I called into Capital One. The first time, I was on hold and the representative eventually hung up on me. The second time, the representative and supervisor waived the fee this year but were unable to explain why there is an annual fee.

On the back of my billing statement under "Are there any Additional Fees on my account?", there is no mention of annual fee or membership fee.

On the back of my billing statement under, "How can I Avoid Membership Fees"?, it says, "If a Renewal Notice is printed on the front of this statement, you may avoid paying the annual membership fee by contacting Customer Service....." This is considered false advertising. You advertised no annual fee. I received a renewal notice and an annual fee on my bill.

I have had this card for two years and have already been charged an annual fee twice.My complaint concerns: a Credit CardDesired Settlement: While the representative waived my fee this year, I would each subsequent year waived as well. I would like a reply as to why you advertise no annual fee, yet you charged me an annual fee for the past two years while owning the card for two years. I would like you to modify your website to reflect the $19 annual fee. I expect it to be clearly visible as you are committing false advertising.

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 had a capital one card for well over two years. I started with there credit steps program and recurve done credit line increase within the first 6 months. I've asked several times for an increase with the same answer "your account is not eligible" as well as not providing a credit increase I've asked for my yearly fee to be waived. I was told this was for the services you receive. I don't feel like I receive any services from capital one and feel as if I am being charged this yearly fee unfairly.Desired Settlement: Increase credit limit and waive fee

Business

Response:

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

Review: This company provided an auto loan to me for a vehicle. The vehicle was still under lien, and was fully insured. I was unfortunately a victim of the Joplin tornado in May 2011, and the vehicle was a total loss. Insurance paid the agreed upon claim, but they have continued to show an amount both charged off and owed on my credit report. Too many vultures were able to take advantage of those facing loss in a tragedy.Desired Settlement: Remove the delinquencies from my credit report and settle the account in full as agreed upon.

Business

Response:

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

Review: I have held this credit card since 2004-I was being billed an annual membership fee of $29.00. I paid the card off last year and contacted the company and informed them that I paid the card off and did not wish to continue with the card if it had a fee annually. When I reviewed my online bills they again charged the $29.00 fee even though I never activated the current card to even utilize the account-I called 2 different people in their customer service department who refused to credit the fee despite me closing the account with them and never activating the new card for this account to even utilize it.Desired Settlement: $29.00 fee from Capital One removed from my account. I was never even mailed a statement of this charge it was just placed on the account then marked late and charged interest fees (they did credit the late fees)

Business

Response:

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

Review: I would like to file a complaint with capital one credit card credit department. I been lied twice by the management of capital one. The first time was in July 2013, I made a late payment because I became ill and could not make the payment on time. I called capital one and spoke with a supervisotr. At that time, they told me as a courtesy, the credit report will be updated to show current not . That never happended. I called Capital one after this, and they said they never showed that someone talk to me on that day. On November 14, 2013 I made payments on this account and spoke to a credit manager. My checking account information was stolen and after couple of weeks, [redacted] bank froze my checking account and I could not make any payments. I had to go to the branch and start all over again and get a new account number. Your supervisor on November 14, 2013 told me she will update the 3 credit bureaus and 1 more as she understood my situation. I also explained to her that I was buying a house early next year and if she updated my credit reports, it will help me alot. I also told her, that early next year I would paid the balances on both accounts. This Friday November 22, 2013, I received 2 letters from capital one that my credit reports will not be updated since I made late payments. I already know that. I called just now and a collection supervisor mentioned that Capital One never helps customers when they are late even if is medical or fraudulent activity reasons. I decided to close my Capital one account because I don't know to deal with rudeness and unethical behavior. Sincerely, [redacted]Desired Settlement: I would like my late payments in July and November to show that they are current for both my Capital One Credit Cards. The Capital One management promised me 2 times and they did not delivered. I would like upper management to review this complaint and I want something in writing from them.

Business

Response:

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

Review: I opened Capital One Venture credit card and the agreement was that if I spend $2000 dollars in the 1st 3 month's of the service they will give me 20000 bonus points, which can be redeemed later. I successfully did $2000 and more dollars in purchases within the first 3 month's and I requested a check to redeem my bonus points which was around 24000 bonus points which equals $121 something dollars I contacted them about another thing like 4 weeks ago and the representative said that my check is on his way. I contacted them today 03/12/2014 and I spoke with the Chat representative [redacted] just waist my time for 30-45 minutes (I have the chat log as well).. I will only publish the order number that he gave me: [redacted]: Order Number: [redacted]. and after that told me that there is nothing that [redacted] can do and that I have to contact the customer service at: [redacted] I contacted them and I spoke with a lady where she checked and she said that the check was not Cashed or Deposited.. so my questions is how come if you owe money to the bank they will call you and even harass you but when they owe you money they didn't even bother to sent one email saying: Hey we see that you didn't cash your check... what is happening? My overall opinion is that they just though that I will forget about it and they can just keep the money... that kind of practices are ridiculous especially by BANK. That's why I'm here because I felt obligated to report that kind of miss-doing! This is a fraud and I think that they have to get some kind of consequences for doing this!Desired Settlement: By the Order number you can find out how much exactly my check suppose to be (around $121 dollars)! I'm expecting it in the mail and I want written letter or email apology about this!

Business

Response:

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