Capital One Financial Corporation

Review: I have for a few years tried to get a "cents on the dollar" amount quote to settle my account in full. They simply will not give me one via email or phone. At times they even say my balnce is "0" dollars. I just want to negotiate a settlement and they are not being very clear.Desired Settlement: Amount required in a lump sum to settle the acount ending in [redacted]

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.

[redacted]:

Review: I have sent back return to sender not living here, have called capital one and ask they stop mailing to ta [redacted] at my address as this person does not and from what I can gather from sales records never liced here at this address and every two weeks another pre-approved offer comes in the mailComplaint concerns: OtherDesired Settlement: I want them to remove [redacted] from their database at my Address and stop sending credit card offers every two weeks to my address.

Business

Response:

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

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

[redacted] They should not be allowed to ask for these documents I want the account deleted from their site

Review: I have an issue with Capital one 360/ auto financing. I've been paying my car loan faithfully for the last 2 years now, never making a late payment, always on time and even paying extra on the principal. I've been contacting capital one with no success in my efforts to lower my interest rate or receive any tangible help. My account number is [redacted]. I've taken a loan for 16,978.65 and paid a total of 13,186.92 of which 8,152.15 has been in interest and and 5,034.77 is principal payment. I still currently owe 11,943.88. Every time I speak with customer service, they SOUND like they want to help but because of who they work for, they are unable to. My interest is too high and I've been unable to refinance to another company. With this company's high success their high interest rates are questionable. They are deceptive with the way they run things, giving a monthly payment and then taking the majority of that money to pocket themselves. I understand that I have this car and that I owe the money on it, but I didn't know that what I was paying on the interest itself I could have 2 cars.

Product_Or_Service: auto loan

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like my interest rate to be lowered to 7% or less. I want this to be reflected on the previous amount of money that was taken for interest. So I am willing to be responsible for interest of 7%, leaving me only responsible of a total of 3,193.18 for my loan of 16,978.65. For the total interest paid on 8,152.15 and with capital one keeping 3,193.18 for interest I would like the remaining 4,958.97 to be applied towards principal and I will

Business

Response:

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

Review: A Capital One representative recommended I get into a new credit card with a better rate and rewards. I asked if closing my old account would affect my credit score to which the representative told me it would not. I opened the new account and closed/paid off the old one and my credit score dropped significantly. I called Capital One to see if they could do anything about this given the assurances they made to me. The representative apologized profusely yet they assured me there was nothing they could do on their end as it was submitted to the credit bureau. So now I have a reduced credit score because of the assurances given to me by Capital One even though I have never missed a payment nor do I ever utilize more than 4% of my credit limit.Desired Settlement: I wish that Capital One could follow through with the credit bureau to remedy the drop in my credit score based on the information they provided that I acted on. Simply put I haven't missed a payment nor do I utilize the credit balance on my credit card and I was punished on my credit score because of misinformation provided to me by a representative from Capital One.

Business

Response:

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

Review: -They will not send me a card or a bill in order to pay bill online.My complaint concerns: OtherDesired Settlement: I was called a liar by a tech from [redacted] division. He said I have been getting my statements and I told him he was wrong because I paid my [redacted] account off last October 2014 and he proceeded to talk over top of me and would not listen. this I am getting tired of being called a liar and been lied to. This needs to stop. I also talked to another rep from customer service who was very rude. I want a call back from both of the people and want an apology. This is causing me emotional distress and

Business

Response:

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

Review: Capital one took an unauthorized amount of $200 from my checking account. They gave me the run around by apologizing, asking me to place a stop payment through my bank for a payment that they already took out, which was impossible, and their employees , including supervisors lied to me about how I was going to get my money back for a canceled application. They assured me no money would be that no money would be taken from my account and they took it anyway. Then told me they would send me a check in 14 days. This has caused a lot of stress and anxiety because I spent money using my debit card based on knowing my money is in my account. They are very unprofessional, told lies, and unsympathetic about giving me my money back.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would like my funds to be reversed immediately back into my checking account. I'm a veteran that need my money. Request retraining of staff so they know their company policies and procedures so they can better serve the public.

Business

Response:

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

Review: I APPLIED 1 TIME FOR CREDIT FROM CAPITAL ONE.FOR SOME REASON THEY HAVE 12 DIFFERENT HARD INQUIRIES ON MY CREDIT REPORT.I DO NOT HAVE ANY KNOWLEDGE ON WHY OR HOW CAPITAL ONE WOULD HAVE TO RUN SO MANY INQUIRIES WITHOUT ME STARTING THE PROCESS WHICH I DID NOT.THIS REALLY HAD AN EFFECT ON MY CREDIT SCORE WHICH REALLY MAKES ME UPSET.My complaint concerns: OtherDesired Settlement: REMOVE ALL HARD INQUIRIES THAT CAPITAL ON HAS ON MY CREDIT 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.

I contacted capital one,the fraud department agreed this was a cause of fraud.like I told them I applied for a secured card on december 10th 2014 and a business card august 2014.the rest were not done by me.as for 6 inquiries.thats 6 per credit agency total of 18.why did the capital one fraud department agree to send letters to credit bureaus.now you have a different answer.this is very damaging to my credit report im trying to fix.I want 12 removed from my credit reports and stop accepting applications in my name.as for the letters you sent.I have never seen any letters sent to this address.so now where are they getting sent to?all I want is 12 inquiries I didnt not apply for or give anyone permission to apply for.also for you to stop any applications sent in with my name on them.

Regards,

Dennis Hildebrandt

Review: While I pay off a credit card, Capital One then contacts all 3 credit bureaus stating that I'm behind in payments even though the balance is zero.My complaint concerns: a Credit CardDesired Settlement: update all credit bureaus with the updated information

Business

Response:

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

Review: Capital One Auto Finance refuses to remove my name from a vehicle that I never signed for. I have tried to contact them personally regarding this matter and now it's affecting my credit. I never went into a [redacted] to sign for $657 a month car loan in [redacted]. My ex-husband forged my name and they will not provide me proof that I am responsible for this loan. Any help to resolve and investigate this matter would greatly appreciate. I have tried contacting the Credit Bureaus to investigate and eadh time it comes back saying I am responsible. No proof that I signed this loan and I need help, lawyer whatever to get this resolve, I am trying to buy a house.Please help! Product_Or_Service: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) Wish to have my name removed from this debt, joint debt which I never signed for and just need them to remove my name, truthfully I would like to sus them for damaging my credit.

Business

Response:

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

Review: purchased car through Capitol One on 9/6 on 9/13 they rejected our original contract. On 9/25 they approved a new contract but again rejected it On September 6, 2013 we purchased a car from [redacted] in [redacted] via financing through Capitol One Auto Finance. On September 13th we were asked to add my income to the loan. On 9/25 we recontracted the purchase of the car with Capitol One. On 9/27 Capitol One faxed an approval to the dealership. Later that same day they called the dealership to state they were rejecting the contract a second time. The second denial came because I am on disability and they believe I might go back to work since I have not had the disability for two full years. We surrendered the vehicle to [redacted] on 10/8/13. We paid insurance on this vehicle without the knowledge it was not in fact our car.Desired Settlement: I would like to see our funding reinstated and our vehicle returned as well as a refund of the amount of the insurance paid on the vehicle.

Business

Response:

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

Review: I have had my Capital One card for a few years now. I remember the initial commercials that enticed me to get this hotel. "No Hassle Rewards" was the most notable part of the commercial. In the end, I knew I love to travel and having a credit card that could provide this was essential to my wallet. Last week, I traveled to [redacted]. Before going to [redacted], I knew I needed a rental car because I was driving to [redacted] to meet with friends. A one-way trip. I went on Capital One's rewards site and booked a good deal for a little over 300 dollars for a week rental. I was ecstatic and ready to travel. Well, when my wife and I (after a long travel day) arrived to the Budget rental counter, the representative for Budget said we owed a $150 one way fee. Well, that was surprising to us since the Capital One Rewards received said it included all "taxes and fees". We thought this would be a simple mistake and Capital One would abide by their "No Hassle Rewards" commitment and take care of us. The first representative talked to us very nicely and put us on hold for about 5 minutes. Needless to say, this isn't the way we wanted to start our vacation. She stated that after "lots of looking" she found one clause that said that one-way fees could be charged and apologized. Clearly this is so well hidden that I had no idea where to even find this clause. Dissapointed as the "No Hassle Rewards" were creating more hassle, I asked for the supervisor who repeatedly stated that there was "nothing I can do" and that we can send an e-mail to the customer relations for a possible refund after we pay the $150. My travel budget didn't include a $150 one way fee as I had already set aside our travel money for the week. $150 isn't exactly a small amount of money, especially since you had to wait for a return e-mail to see if Capital One would even pay you back. I was fairly surprised that the only response I could get from the supervisor was an e-mail address and a "sorry, tough luck" approach. Whenever I travel, I don't expect to be hit with fees. I expect easy traveling and Hassle-Free traveling. I felt that I was made unimportant even though I use my Capital One card fairly religiously and always pay my account on time. If the charge of $150 was made at the beginning and was included in the rewards, I would have no qualms paying it. However, when I made my case to the representatives, I was made to feel there was nothing they could do and they would "work on fixing this". This is very unfair to the customer and unexpected of Capital One. Out of my other credit cards, ([redacted]), I have NEVER had any difficulties cashing in rewards and customer service went above and beyond to help with any problems. I expected more of Capital One and their "No Hassle Rewards".Desired Settlement: I would like Capital One to ackowledge that this is not a fair practice, and to attempt to explain to me why I should stay with their credit card when I have so many other options. I would ask for a refund, but there is nothing to refund (outside of a valuable hour or two of lost travel time for me and my wife).

Business

Response:

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

Review: I am a new immigrant to the US attempting to build credit. On the advice of my wife I looked at Capital One's secured credit card product. As I was looking at the application I was prompted to join a live chat with an advisor. I gave the advisor my information, namely that I'm a new immigrant to the US, currently unemployed (pending the arrival of my green card), and that I had only recently obtained my Social Security Number. Based on this information I was advised to apply for a standard (non-secured) card with Capital One. That didn't seem to make sense to me, so I challenged the advisor, asking him if he was certain that it was the best choice for me given my employment and credit status, and I was told that it was. I still didn't think that this was correct, so I went ahead with an application for a secured credit card with Capital One and was immediately declined (I am still pending the written explanation). I rang Capital One and spoke to a manager. Unfortunately they weren't much help and just mentioned that she'd pass my comments on. Capital One seriously misrepresented my eligibility for their products and as a result have damaged my credit rating.Desired Settlement: I am not sure exactly how being declined for credit will affect my credit score going forwards, however since it's a direct result of misrepresentation on the part of Capital One, I'd like them to propose a solution that results in either the restitution of my credit rating, or sufficient reparation by way of an apology.

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, since my credit rating has apparently not been affected. However, I would like to stress that, contrary to Capital One's response, I spoke to their online chat agents on two occasions, and I was indeed given the wrong information.

Regards,

Review: A MERCHANT CHARGED MY CREDIT CARD $14.95 FOR A DOWNLOAD THAT I HAD CANCELLED 6 MONTHS EARLIER. I CHECKED MY CREDIT CARD STATEMENT AND NOTICED A BALANCE OF $14.95 SO I PAID IT. I CONTACTED CAPITAL ONE VIA EMAIL AND EXPLAINED THE SITUATION. THEY OFFERED ME A CREDIT FOR THE $14.95 WHICH THEY FOLLOWED THRU ON. I ALSO CONTACTED THE MERCHANT AND SO DID CAPTIAL ONE. THE MERCHANT EVENTUALLY GAVE THEM THE $14.95 BACK. NOW CAPITAL ONE HAS BEEN PAID BACK SO THEY TOOK THE CREDIT BACK AND LEFT ME WITH A $0 BALANCE AGAIN. HOWEVER SINCE IT WAS NOT AN ACTUAL CHARGE ON MY CREDIT CARD, CAPITAL ONE OWES ME THE $14.95 THAT I PAID FROM MY CHECKING ACCOUNT TO COVER THE ORIGINAL MERCHANT CHARGE OF $14.95. I TRIED TO EXPLAIN THIS TO CAPITAL ONE ON A LIVE CHAT AND SHE TOLD ME I WOULD BE REFUNDED THE MONEY, BUT YESTERDAY I GOT A LETTER IN THE MAIL STATING THAT EVERYTHING WAS TAKEN CARE OF BECAUSE I WAS GIVEN THE $14.95 BACK ON THE CREDIT CARD. CAPITAL ONE HAS COMPLETELY MISSED THE FACT THAT I AM OUT $14.95 IN MY CHECKING ACCOUNT BECAUSE I PAID THEM THE OUTSTANDING BALANCE ON MY CREDIT CARD.Desired Settlement: I WOULD LIKE THE $14.95 GIVEN BACK TO MY CHECING ACCOUNT THAT I ORIGINALLY PAID CAPITAL ONE TO PAY THE BALANCE ON MY CREDIT CARD.

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,

I ACCEPT THE OFFER, IN AS MUCH AS I DID RECEIVE A CHECK, HOWEVER THEY DID NOT ADVISE ME THAT A CHECK WAS ISSUED ON JANUARY 16TH. IF THEY HAD I WOULD NOT HAVE CONTACTED THE Revdex.com.

Review: About 4 years ago I have received a payment from my buyer by paypal and they transferred the money to the bank "Capital One" , it was around $600-800 I don't remember exact amount, and when I tried to log in to my bank account I realized that Its blocked. Than I asked capital one to explain to me whats going on and they told me that they are investigating who those money came from. It took months than I called them and they still weren't able to explain to me why they froze my accounts and the money. Now 4 years later I tried to call them and they still are not able to explain why they hold all my money and keep my accounts blocked. If they think the [redacted] payment doesn't belong to me than why wont they refund the money back to the person who sent me the payment. I think this is very unethical when bank is holding the money. They should refund the money back to the PayPal or send it to me via check. I also want capital one to close all my accounts with them.Desired Settlement: I think this is very unethical when bank is holding the money for over 4 years. I can't log in to my account and can't withdraw the money from my account. They should refund the money back to the paypal or send it to me via check. I also want capital one to close all my bank accounts with them.

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: [email protected].

Regards,

Review: I applied for a Capital One Quicksilver credit card. I was told that I would need to fax a copy of my driver's license and social security card because I have a fraud alert freeze on my credit report. I faxed all the information in to Capital One. I then applied for a second Capital One credit card which was the secured card in case I didn't get approved for the first one. I called in the next day and I was told that my application was approved and to allow 48 hours for the account to be created by the computer system. I was told by an application specialist that if I wanted to I could contact customer service and they would be able to tell me if the account had been created yet. Instead they transfer me to an application specialist. They tell me that because it has been over 48 hours that I would need to speak to a supervisor where they can push it through the computer system. So I spoke to a supervisor and I asked them if because I had 2 credit card applications on file if it could be delaying everything. They said yes. So I had them withdrawl the secured credit card application. I was told that I would get my quicksilver card in 7-10 days. Now I am being told that the supervisor withdrawled both application without my permission. I called back in to see if it was withdrawl and I was told that both of them was. So I was told by a supervisor that they would unwithdral the application. So I called back because of all the run around I have been getting to see if it could be unwithdrawn. I was then told that I would have to apply all over again. I should not have to after I was told I was approved. I should not have to pay for someone else's mistake. I did nothing wrong. I will be going public with this unless I get my card that I was told I was approved for!Complaint concerns: a Credit CardDesired Settlement: I want the quicksilver credit card that I applied for without having to do a credit card application all over again and have my credit report checked all over again! I think the credit card should have to be put into a rush status and a rush be put on creating my account along with my credit card being mailed to me overnight!

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: During these past two months, I've spoken to different phone operaters to reissue a new credit card due to me misplacing it. Was told five different times, that a new card was suppose to arrive in the mail, but unfortunately I have not received any card.My complaint concerns: a Credit CardDesired Settlement: Kindly asking for a replacement credit card to be sent to the address on-file and would like to add my daughter as an additional card holder. Her name is Ava Waddell. Same address and ssn ends in 8888 for security reasons.

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 was in an accident and I've had 4 surgeries to recover with my rehabilitation. My [redacted] with Capital One was in medical program where I didn't have to worry about payments while my [redacted] Capital One dropped the program. When I had complications that led to the additional surgeries this card was missed in who was handling my affairs. Capital One despite a stellar payment history never contacted me and let it go to collections. See S. Nevada Revdex.com case #[redacted]. My stellar payment history and the ensuing closed account could have been avoided. Capital One has the right to pick and choose who they call they say and they do with active selection. Since they took over the [redacted] I have experienced a tremendous amount of active discrimination in the card origination that I do not experience with my [redacted]. Now I have a closed card on an OLD established card I wanted to keep in my history with Capital One acting like they have ZERO responsibility in contacting me or in providing me a letter that this account has been paid in full. I directly believe that my rights under the Fair Credit Practices Act are being violated and I am voicing my complaint. With so much control held by this company it is easy to bully and push and dictate all rights that they have while ignoring all rights the the consumer has. If they've made even one call in their history to a client with a stellar payment history that was behind they are culpable for contacting me as well. I know they will shirk this and make a million excuses about their rights but the credit damage has already been done. Review the other case you will see that I made immediate restitution on the account once I was aware and I know that Capital One knows I was having major medical issues.My complaint concerns: a Credit CardDesired Settlement: Here's what I seek. They closed a long standing account I wanted to keep regardless of the limit on the card. Now they have caused extensive damage to my report by closing it and especially at the loss of the length of time that card has been active in my credit file. I expect no less than a paid in full letter on the account closed and a new VISA with the same limit or better. I have letters from them acknowledging my excellent payment history and they treat this card differently than my other card. If they push me I seek legal action.

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 closed my account with Capital One on August 28th over the phone with a customer service representative. On August 30th, the balance was paid in full. However, after I called to close my account, they allowed my account to be charged by a company on September 10th. I called to dispute the charge and was told that my account was still open and slated to close on October 28th. They refused to acknowledge that my account was closed by me on August 28th and refused to take the charge away.Desired Settlement: I want the charge to be removed because I had closed the account on August 28th. There should have been no way for any charge to be applied to my closed account.

Business

Response:

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

Review: Capital One credit cards did not pursue a dispute I filed against a charge from a [redacted]. I submitted requested letters and supporting documentation twice and was told that "I have a solid case against [redacted]" regarding a credit for 2 round trip tickets from/to La Guardia to Colorado Springs I purchased for mid July 2013 from [redacted] on my Capital One [redacted]. On the way home, our flight was canceled due to failed front landing gear, which [redacted] still claims was a weather advisory, in La Guardia. [redacted] did not adhere to their Customer Carriage Contract by not giving us an option to return to "our point of origin within 7 business days". They offered to fly us to Philadelphia or. Boston, but explicitly said that they will not return us to La Guardia. We even offered to take a connecting bus or train. A [redacted] employee even made the reservation for a rental car to drive ourselves from [redacted] to La Guardia and gave us a [redacted] dispute number to call. Capital One claims that a phone call that resulted in a busy signal at my residence counted as contact with me regarding a November 8th deadline to resubmit documentation that [redacted] is requesting in regards to my disputed charges of almost $600. It cost us $600 in rental car fees, gas and tolls to drive ourselves back. I contend that it is not my responsibility to resubmit documentation [redacted] to prove my case against [redacted]' charges to my Capital One card. It is my belief that Capital One is trying to wear me down so that I simply pay the approximately $600 round trip plane tickets even though they were not fulfilled. I have tried numerous times to reason with Capital One, but they just continue to ask me to resubmit documentation already submitted. Their plan must be to wear me down and have me pay $1200 for a $600 trip.Desired Settlement: Since [redacted] did give me a partial credit for the portion of flight that was canceled, but still against their own Customer Carriage Agreement, I would like to be credited from Capital One the balance of $500. They advertise to be "No Hassels" but that is not true at all. They are counting a phone call to my home on Oct 18 that resulted in a busy signal as Customer Contact.

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.[redacted] is clearly in violation of their Customer Carriage Contract and every time I have spoken with a Capital One ** representative, I was told that I had a really strong case and that I had provided more than adequate documentation to support my case. When I purchased the plane tickets, I used my Capital One ** so that I would have protection as a consumer and I was not protected. Is there any way that Revdex.com can also "go after" [redacted] also?

I also notified Channel [redacted] "[redacted]" news division about this entire ordeal, which I told Capital One I would do when they called to tell me that their legal department felt that my dispute was unfounded.Regards,[redacted]

Review: The complaint is in regards to an auto loan (account no. [redacted]). The vehicle was in an accident (May 2013) and deemed a total loss by Capitol One (July 2013). At which point, I began communicating with [redacted] ([redacted]). I arranged a settlement agreement and was advised payments for the balance would be taken out of my check automatically and the car would be picked up from in front of my home within the next week. The car was not insured, I requested a copy of my loan documents and was advised they would be sent out to me. They were never mailed. I requested this of the company at my mothers urging due to my borrowing the initial settlement down payment from her. She was concerned the vehicle should have had gap insurance on the loan as the requirement of the state. CapitalOne has yet to retrieve the vehicle and it sits in front of my home. I have communicated with CapitalOne to no avail in regards to the vehicles retrieval. They will not provide a title so I can have it removed. And there representatives have conveyed it is their car. I have recently been advised my credit report is reflecting my account is a voluntary repossession. Yet, I have located the letter I received from Capital One indicating the vehicle was a total loss. The total loss is why the account was negotiated for settlement. The company has now, not followed through with their verbal conveyance of picking up the vehicle. The company did not send my loan documentation for the vehicle as requested. And the company is not inaccurately reflecting the vehicle has been voluntarily repossessed on my credit report. I would appreciate your assistance in having the inferior service which I am currently receiving addressed. Thank you.Desired Settlement: I am still requesting a copy of my loan documentation in its entirety. I would like the vehicle removed from in front of my home as promised. The voluntary repossession is not applicable to my situation. The companies representative, [redacted]', conveyance of the car being removed was a key component of the settlement agreement. I would like a letter of apology from the company, due to the fact, I should not have had to go this extent to be treated fairly. In their letter, I am requesting the company again acknowledge my car is a total loss, and a settlement agreement was posed and I accepted and the agreement will be reflected on my credit report as agreed settlement and not a voluntary repossession.

Business

Response:

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