Capital One Financial Corporation

Review: I purchased a [redacted] from [redacted]; Marlow Heights, Md. in Oct. 2014 for Approx.$24,500.00. The car was financed by Capital One Auto Finance. The interest rate is 20plus%. My monthly car payment is $569.52. I now realize that $405.21 is per month is Interest, and $162.31 goes to the Principal. This interest rate is astronomical. Ideally the interest rate is lowered so that my monthly car note is lowered.I really didn't realized I was being preyed upon under such predatory practices, and candidly, I didn't read all the fine print. I went with low down payment after I totaled my [redacted] purchased brand new from the same dealership, September 2006.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Refinance with a lower interest rate to where S300 goes toward the principal and the interest is a maximum payment of $100.00 per month. Totaling $400.00 per month. Help a struggling poor man out!

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 10517444, 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,

Unfortunately there was no "offer' rendered. Capital One refuses to accomodate me by helping me out with my financial crisis by lowering the astronomical interest rate. If I could really afford A $570 monthly note I wouldve purchased a high end luxury vehicle. Having said that, I am leting go and allowing God to step in. There is a demise for such greed. Capital One will succumb just like many other unjust and greedy financial institutions throughout American and global history. Thanks to Revdex.com for your efforts. Im a itty bitty poor man who doesn't stand a chance against such monstrous predators and/ or opportunists.

Review: Capital one said that they would refund my $200 after 1 year on a secured card. They did not. I want my $200 that I paid on a secured card.Complaint concerns: a Credit CardDesired Settlement: $200 secure deposit refunded

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]

If the balance of my card went over $200 that was Capital One fault. Not mine. I used the capital one secured carded according to capital one's offer of the amount DEPOSITED on the card will be EQUAL to Amount CREDITED. Also no where in the initial application did it say that the balance must be under the amount deposited ??? It stated after 1 year my deposit would be fully refunded. For example if my balance was $100 would you have refunded $200 ? with a $100 Balance ? If you would give $100 how would I ever get my $200 Deposit back ? The original offer did not state this.

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: 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: 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: 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: My card went on a restriction term due to not being able to pay a while back. I then paid 630 dollars thinking that I would be able to use that. They then told me there was nothing they could do to lift the restriction. I believe there is more they could have done and just didn't do it.My complaint concerns: a Credit CardDesired Settlement: I want the money I paid released for me to use on the credit card.

Business

Response:

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

Review: Capital One is continually turning off or restricting my credit card for no apparent reason. I travel a LOT and although I have asked them numerous times not to turn off my credit card while I'm across the country they still do it. In fact, they even turn it off when I'm just in a different city in my home state! The reason I'm taking the time to file this complaint is that the latest service disruption has been going on for two weeks. Understand, I pay this card in full every month and other other cards that are attached to it. There is not, nor has there ever been, a payment issue. Capital One's latest claim is that the turned off my card because someone I purchased from reported that they had been compromised. And, since February 8th I have not been able to use my card. They did NOT send me a new one and refused to allow me to keep the card turned on. The male employee who called me was flat out belligerent to me and if he worked for me I would fire him on the spot if I heard him talk to a customer the way he spoke to me. Capital One has REFUSED to tell me who the so-called company is that I've done business with who had a breech. Their action has caused me considerable distress and financial hardship as my company relies on the convenience of CCs for travel and expenses.My complaint concerns: a Credit CardDesired Settlement: First, I deserve an apology. Second, I deserve to know what company I purchased from who had their information compromised (because I don't believe them). Third, I'm tired of constantly having my CC cut off, restricted, or otherwise un-useable and I want it to STOP! Last, I want to be compensated for about 1 month of the money they make off of my account. I calculate that based on an average of 1.9% for transaction fees it would be nearly $500. I don't need the money, but I need for Capital One to have a penalty for their negligence, incompetence, and for they way their employee treated me on the phone.

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.

Capital One has turned my account off too many times now. It is not reasonable to restrict service to me when they admit that they don't even know if the information had indeed been compromised or by whom. My biggest issues is that they are lying. When I was originally contacted I was told that my information had been compromised by a 3rd party company that I had done business with. We are getting a different story in their response. So, when was Capital One lying to me? Was it the original conversation or in this offer?

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.

I am a long time holder of a Capital One Credit Card. Recently I found a 141.97 charge to my card by [redacted] Magazine. Upon calling the magazine vendor they claimed that I agreed to an automatic renewal as part of my previous subscription. I am sure buried in the endless fine print they likely had this self-serving clause.
Since my last renewal of the magazine, my credit card number has changed twice due to the rampant fraud the industry has to cope with. What I find disturbing is that Capital One allowed [redacted] Magazine to get my NEW credit card number without notifying me! I feel they failed to provide a basic fiduciary relationship with me and apparently choose to prioritize the interest of a magazine vendor over our long term financial relationship.
I wonder how many of these charges go through without credit card holders knowledge? I also wonder if this is standard operation procedures within this segment of the financial service industry and if indeed the problem is systemic? Is it possible to find a credit card company who will protect my interest?
My experiences with Capital One have been positive until I discovered this policy.
Thank-you for your time.

Review: THIS COMPANY CHARGED ME A "ACTIVATION FEE AND A PERSONAL ACCT PROTECTION FEE" WITHOUT TELL ME ABOUT THESE FEES PRIOR TO STARTING THE SERVICE. NO LETTER, E-MAIL OR PHONE CALL WAS GIVEN TO ME TO TELL ME ABOUT THESE CHARGES. ACTIVATION FEE: $74.00 / P.A.P. FEE: $5.36. I BELIEVE THIS IS A VIOLATION OF "[redacted]". IF I HAD BEEN INFORMED THAT THESE FEES WOULD ACCURE, I WOULD NOT HAVE ACTIVATED THE CREDIT CARD SERVICE. YOUR ASSISTANCE IN THIS MATTER WILL BE GREATLY APPRECIATED. THANK YOU.Desired Settlement: THIS COMPANY NEEDS TO BE OFFICIALLY INFORMED OF THIS VIOLATION AND A REFUND TO MY CREDIT CARD.

Business

Response:

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

Review: I had the option to return a payment with capital one. I questioned a customer service representative and asked if it would affect my account in any negative way. They ensured me that it would not and when I requested a credit increase they said the reason I was denied was because of the returned funds. the whole reason I questioned the representative was because I had the option to not return the payment it was just a preference to have the payment returned. My account has been in good standing and this seems to be the only reason I was denied the credit increase. Furthermore, I called capital one and told them my issue. They said a statement would be sent to the back office on my behalf. I asked when would I get a response to my request. They informed my I might not get one at all. They failed to honor their claim of not affecting my account and stated I might not get a response to my inquiry.Desired Settlement: I would like my request to increase the limit on my card approved or rewards points equal to that increase added to my card. Either one is acceptable.

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: To whom it may concern,

This is concerning the account ending in [redacted] by [redacted].

I have tried several times to get in contact with customer support to remove late remarks from 5 years ago. I spoke with one CSR who said that they would request the removal of these entries due to the fact that I am a current customer, in good standing, with my checking account linked and automatic payments setup.

I have sent goodwill request letters, and attempted both chat conversations and phone calls. Each time I speak with a CSR, he or she has severe trouble locating my account, and some even claim it doesn't exist. I haven't received a response to my written inquires, despite the promise a CSR made that he would request the removal of the late entries as report to the credit agencies.

One member of their staff claimed that they do not make goodwill gestures and yet another member promised to provide one. I also have several documented instances where good will gestures have been made on the behalf of good standing clients. There needs to be consistency.

During the time period this account was established I was very happy with the service, however I was not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. Money had become very tight and I realized I was 60 days late in March / April of 2008. I worked very hard ensure the balance was paid in full and then I subsequently closed the card in 2010.

I have since opened a new Capital One card in the summer of 2011. To date, every bill has been paid in full each month and I have never been late. In fact, during the 7 years I have held accounts with Capital One, only 2 months have been noted as late.

I know that payment of my previous account was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

As soon as I became aware of the balance I contacted Capital One and made payments monthly until the account was paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with Capital One for my previous account is not a good indicator of my actual credit worthiness. I hope that you would consider working with me on erasing this mark from my credit reports.Desired Settlement: Please remove the two late reports as stated by the customer service representative I spoke with.

Consumer

Response:

I called the consumer regarding the business response and was notified that the complaint has been resolved.

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,

Business

Response:

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

Review: I have had a [redacted] credit card for around 20 years. Now all of a sudden Capital One takes over the account. On my last statement I have a $29.00 customer fee. I am told its to cover if I need unathorized charges protection etc. by email from a representative. The problem here is my credit card agreement with [redacted] I wasnt charged a fee for this. I have never paid an annual fee on that card. My daughter has a Capital One credit card and she doesnt have any annual fee. I want the $29.00 refunded and I do not want to ever be charged a customer fee again! I dont own a single credit card that has an annual fee and wouldnt get one that has an annual fee. You are making enough off me already with interest!Desired Settlement: I want the $29.00 refunded and I do not want to ever be charged a customer fee again!

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've had issues on numerous occassions with being charged late fees even after my payment has been processed with Capital One. I show on my bank account that the April payment was processed and deducted from my account. I called customer service in April because I was charged a late fee after I had already made my payment. They assured me that my payment was received and that the late fee would be removed. I called today and spoke with someone who stated that my payment from April was not recieved so my payment for May would be 50 dollars, and that I still owe 15 dollars to get my account to a current standing. I asked the representative if my payment was never recieved then why was the late fee credited back to my account in April and she was just as confused as I was and could not give me an explanation. I then asked why hadn't anyone called, mailed or emailed me to notfiy me of my payment not being received. Its now May and I had to call and find this out on my own. She stated that since I chose to go paperless that it is on me to figure thisout. This has been an ongoing thing. Every month I've had to call and correct something with my account. I spoke with two diferent people and they then wanted to transfer me to another and no one was helping me in anyway.Complaint concerns: a Credit CardDesired Settlement: I need Capital One to get a hold on my account, process my payemtns and have better communication. This is my first credit card and it has not been a good experience.

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]. While I do not find that this resolution would be satisfactory to me, I am going to close the complaint. I look forward to zeroing out my balances and closing both accounts with Capital One. 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 sent Capitol One Services, Inc. a deposit to open a debit card account in December of 2012. I have also paid a membership fee. They have failed to activate my card. They have requested documents for proof of ownership of the account I sent the deposit from. I have faxed this information to them 3 times. The first two times they denied receiving it. The third time they said that they received the paperwork and would call me back within 24-48 hours. A month later I called and received the same reply, that they would process the paperwork and call me back in 24-48 hours. It has been another month and I've had no response other than automated billing notices. In the several phone calls I've made they said they would reverse the membership fee's that I've already paid, since I have not had access to my account. I have not received any money back, my card is still not active, and they are billing me for a yearly membership fee and adding late fees.Desired Settlement: I would like all deposits back and my account to be closed.

Business

Response:

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

Consumer

Response:

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

I have provided Capitol One with my information 4 times and have had no resolution. I just end up wasting an hour of my time each time I address this concern with them.

Review: Capital One has continued to ignore my request to validate and remove this debt. I've sent certified letters requesting validation of the debt in July of 2011 and December 2012. Capital One's only response is that the debt was sold to a creditor. How can an illegally posted acccount on my credit report , now be sold to a colleciton agency. [redacted] is the collection agency. [redacted] has agreed to remove the debt, and it will be reflected in 30 days. I suggest Capital One do the same. Capital One is reporting the debt in addition to [redacted]. How is this possible? I have an FTC Affidavit and police report that reflects identity theft happended to me around the time this account was opened. The address is not correct. Please help me get this removed from my credit report. All the paperwork will be furnished upon request.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like this illegally reported debt to be removed from my credit reports of all 3 bureaus. Capital One is reporting a debt at the same time the collections agency is. All the paperwork will be furnished upon request.

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.

Again, this account, along with others that were open around the same time under my name, are being disputed under identity theft. My personal identification was stolen in 2007, and accounts were opened in my name during that year, and in 2008. I discovered this when pulling my credit report. This appears to be a case of identity fraud. What is the phone number that has been linked to the account? May I see the signed statement, as I didn't see it as part of the billing paperwork? I was unaware of this account until I saw it on my credit report, and I immediately disputed it with Credit Bureaus, and have been disputing it since.

Regards,

Review: I have been makinlag my payments with capital one on time for 4 months. I had an issue processing a Payment on the account this month with my bank. I in return made a [redacted] payment to them to pay off my balance. A day later they put a hold on my available credit stating they needed to verify activity on my account. I answered all the security question and before the call was over they need to verify my phone number. Now I got a new phone number to since then, so they number they wanted to call was disconnected. Since they could not call a disconnected number they wanted me to send in My Personal Documents to verify who I was, with Identity Theft already a problem in my pass I refused to send them anything and they would not take the hold off my account. I closed the account with them but very disappointed on how they treat there customers. All I did was make a payment to them.Desired Settlement: A new Account open with my Available $500 Credit would be nice.

Business

Response:

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

Consumer

Response:

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

I have verified my information with capital one multiple times and I do not wish to do it again. I will not go through this much trouble with them to me a customer and I am not sure they understand that I am not happy with this resolution. I have paid them in full I owe them nothing. They owe me. I want my account closed with them and I will never do business with them again.

Regards,

Review: Regarding: Account No.[redacted] Capital One Financial Corporation [redacted] To Whom It May Concern:

I am writing a letter about my experience with Capital One that is a mixture of a grateful "thank-you"

and a pressing request concerning a $300.00 Credit Card trade line in my credit files that I would like to

have revised.

I received the Capital One card in 2010, several years before I became unemployed, which later led to

my wife being injured in a serious car accident, losing a leg and 2 fingers. She later married someone

else, taking my 4 children from me. I have since been unemployed/downsized since 2011, evicted, and

am living in a homeless shelter and receiving government assistance. These last 3 years have been the

lowest point of my life. I've never relied on food stamps to make ends meet. When I experienced this

terrible hardship, I became disorganized with respect to, as you saw, making timely payments with your

company. I fully recognize my responsibility with respect to payable accounts and have worked diligently

to rehabilitate my credit worthiness since that time.

To be honest, that year was a wake-up call for me regarding fiscal organization. As a former [redacted] of a [redacted] company, I know what it means to pay on time. Since then I believe I have learned

the essential organizational and financial management principles I desperately needed at that point.

Thankfully, responsible credit management is now reflected in my credit records which-- excluding the

Capital One Bank card late entry-- are excellent. I wish to soon return to prominent status with your

organization and I am determined to keep a spotless record once my life is back on track.

I am now on the road to recovery and have since interviewed for many jobs, and it has come to my

attention that the derogatory notations from your trade line has prevented me from taking full

advantage of the very right that any American citizen finds success and confidence in having- a job.

In fact, I was even approved for a new card secured card with your company. It is a low limit card with a

line of: $200.00. I plan on keeping up to date with this card and making all payments on time. I will not

allow myself to fall into the pit that happened years before.

Since the negative notations do not reflect my current life changing situations, I am requesting that you

give me a second chance at a positive credit rating by revising the negative trade lines. Your customer

service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there

is redemption at Capital One, and I beg you for such consideration. Please let me know if any additional

documentation would assist in reaching a positive outcome, and I thank you again for the time you have

spent reading this letter.

Very hopefully yours,Complaint concerns: a Credit Card

Business

Response:

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

Review: I applied for a credit card with capital one and got approved for 2 of them. After reading negative reviews about capital one and its SOOO MANYY SCAMS AND REPORTS I decided to NOT EVEN ACTIVATE the cards and to CANCEL THEM. I called and the rep told me that I had to send in my PERSONAl info to some office to close THIS IS NOT PROPER PROCEDURE I can cancel a card at ANY TIME and the remaining balance (if there is one, in this case not even activated) will be charged to me to be paid in full before closing. THIS IS RIDICULOUS she threatened and said they would affect my credit negatively. I HAVEN'T EVEN ACTIVATED THE CARD!!!!!!!Complaint concerns: a Credit CardDesired Settlement: CANCEL MY CARDS STOP THREATENING ME!!!!!!

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,