Capital One Financial Corporation

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: 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: 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: 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: 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 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 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: 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: My name is [redacted], I applied for two Capital One credit cards November 2014, I was approved both credit cards had a limit of $300 dollars each. I misplaced both Capital One credit cards in my house by error, as of September 2015, I was cleaning my house and I located both Capital One credit cards still attached to the paper that they were mailed on, I had never had the opportunity to activate the two Capital One Credit Cards until September 2015, when I dial the activation number, Capital One Fraud Department representative came on the line and said these two Capital One Credit Cards were closed due to fraud. 10-08-15, I mailed Capital One a copy of my Arizona Identification card, a copy of my Social Security Card, a copy of my Birth certificate, a copy of my Epcor Water bill with my name on it. A lady name Kaya, from Capital One Corporate office telephoned me on October 8, 2015 requesting these documents I faxed and I mailed Capital One Corporate Office these sensitive documents to verify my identity, now Capital One cannot locate my Social Security card copy, cannot locate my birth certificate copy cannot locate copy of my Epcor Water bill copy, I was on Capital One this is a LEGIMATE COMPLAINT Capital One is being negligent and FRAUDULENT, regarding their actions towards me this is fraud on the part of Capital One, I will me reporting Capital One to Consumer Financial Protection Bureau and to my State Senator John MCCain and I have reported Capital One to Arizona Office of the Attorney General this is fraudulent the way Capital One is handling this situation this is a serious matter that needs to be brought to the attention of goverment agencies.Desired Settlement: Capital One should reactivate my two Capital One credit cards with a $300 dollar limit, I did nothing wrong to deserve this type of Fraudulent treatment from Capital One, I have reported Capita One to Consumer Financial Protection Agency, Arizona Office of the Attorney General, my State Congressman John McCain, Capital One has been Fraudulent and Negligent. I request that my two Capital One Credit Cards be reinstated and activated immediately, I have done nothing wrong I provided Capital One with copies of my birth certfication, social security card, Arizona Identification card, copy of a utility bill, Arizona Water Company Epcor Water bill with my name on it I have proven that I am [redacted] this is fraud on the part of 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.

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: 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: Capital One offered a credit card. I accepted.

The address used for the card is:

I am an expatriate US citizen, born and raised in the. However, I work in Saudi Arabia; I am an instructor at [redacted], in [redacted].

Capital One has "restricted" my card due to "suspicions of fraudulent activity." There has been no such "fraudulent activity." I have explained this to Capital One. Capital One instead insists that I "verify" or "substantiate" my identity. Their demands are excessive.

My complaint is:

1). I owe them nothing. I paid off the card; there is no balance owed. They accepted the money sent to them, but when I attempted to use the card, they demanded that I send identity documents to verify my identity. When I sent them money, no such request for identity verification was made; they accepted the money unquestioningly.

2). They have asked for a). a scan of my Social Security card, b). a scan of my US passport, c). a statement from my US bank (to verify my address), d). a scan of my DD214.

I sent them everything they asked for but drew the line at the DD214. NONE of the above-mentioned documents were demanded to open the account, NONE were demanded in order for them to accept money, but they demand them in order to "substantiate" my ID. Capital One has NO RIGHT WHATSOEVER to possess any of the information requested. I see no reason whatsoever to supply them with such information.

3). Capital One will neither lift the restriction on the card nor will they close the account until I provide them with the personal information that they have demanded.

IN SUM: I wish to have NO RELATIONSHIP WHATSOEVER with Capital One, but Capital One refuses to cancel my account until I provide them with identity documents. I ABSOLUTELY REFUSE and instead demand to have this "master-slave" relationship ended NOW!!!!!My complaint concerns: a Credit CardDesired Settlement: I want either the restrictions on the card lifted OR I want the account closed.

Business

Response:

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

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: 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: I recently applied for a secured card from Capital One. My credit was 700 so I probably didn't need a secured line but considering my limited history I thought the secured card would be a safe bet.

I was approved with the minimum deposit/credit ratio which meant that for $49 I would receive $200 in credit. Capital One went on to advertise that I could increase my credit line with an additional deposit- Up to $3000.

I contacted a representative and was told that the same ratio would hold for my additional deposit; meaning that if I deposited $750 I would receive the maximum credit line of $3000, which I did.

To my dismay, I was only given a 1/1 ratio for my deposit and I now have a credit lline of $900 ($750 of which I paid for.)

I went back and read everything (including the cardholder agreement) and could find nothing that said I would only get what I put in.

Furthermore, Capital One held on to my deposit for almost 21 days so I tied up $700 for no reason, under completely false pretenses.

I am so furious with Capital One and It;s a shame because I have always thought them to be a reliable company with great customer service, but this false and misleading advertising really undoes all the good.

Had the representative I spoke to told me that I would only get a 1/1 ratio for my additional deposit I never would have made it and this situation could have been avoided.

If this situation isn't resolved my next step will be to file a complaint under the Massachusetts Consumer Protection Law-MGL 93A.My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to give me what was promised and I was lead to believe I was buying.

I would like them to increase my credit line. (I'm not saying that it has to be a 4/1 ratio of credit to deposit but it should be SOMETHING because this is unfair, unjust, unacceptable. and deceptive.

I pay my bill in full every month and I will continue to do so so I am not a huge liability in regards to credit. (At least not compared to a dissatisfied customer.)

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.

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've been a capital one credit card holder since 2011 and when I make purchases I've never had a problem until today 06/21/2015 I have 44.48 in available credit and my card was declined for a 14.00 transaction I called capital one to find the problem out the representative stated that my bill was due on 06/15/2015 and I was declined until they received a payment I've always used my card if available credit was on the card and why was it so different now I believe I'm being unfairly treated and was never made aware of this new so called rule so I will like to make a formal complaint that capital one will not allow me to o use my card without making a payment and I have available crediMy complaint concerns: a Credit CardDesired Settlement: I would like to know what will be done to resolve this matter

Business

Response:

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

Review: On Monday March 28th 2016, I logged into my Capital One [redacted] account and proceeded to complete a Balance Transfer. I was prompted to select a program, in which I chose the 0% offer. I completed the necessary information and proceeded with the balance transfer. A few days later I received a notification that the balance transfer was approved. I checked my account and the balance that I transferred was now in my Capital One account, however the company they needed to payoff didn't receive a payment from Capital One. I now have 2 open balances, one on my Capital One, and one on the account I'm paying off. When I called the representative at Capital One, he informed me that I did not choose an option for the "0%" balance transfer and that option wasn't available to me. He also said that it could take up to 7-10 business days for my other account to be paid off. What a rip off! I asked the rep, how could that make sense? I now had a balance amount outstanding with both accounts that I now had to pay interest on. Capital One is deceiving customers! A class action lawsuit should be filed against them. They are falsely advertising programs that are not available! They bait and switch you! THIS IS FRAUD!!!My complaint concerns: a Credit CardDesired Settlement: I would like them to honor the 0% balance transfer, or undo the balance transfer!

Business

Response:

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

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: 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.